QB Wolf's long and winding road

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  • Pushkin
    Pushkin Posts: 795 Forumite
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    Good for you - bonus is exactly that I think so good to spend on something enjoyable.
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    Thanks Pushkin, I like your thinking :-)
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    Monthly mortgage payment gone out - no OPs again. :(
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • Pearla*Merle
    Pearla*Merle Posts: 1,611 Forumite
    Name Dropper First Anniversary First Post Photogenic
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    Don't worry QB Wolf, the fact you're thinking about & planning OPs already mean you're miles ahead of most people!
    a penny picker upper. MFW approx 78% to go | FIRE 3 years worth (30% savings rate: now aiming for 40%!) | Normality is a paved road; it's comfortable to walk, but no flowers grow on it | Whatever you're meant to do, do it now. The conditions are always impossible | The only thing you absolutely have to know, is the location of the library
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    Forgive me fellow MFWs for I have not posted for a long time...

    ... I have no excuses - Summer seems to have gotten in the way, but we have had a great one, really enjoyed it.

    I haven't made any overpayments, but have managed to get in better shape financially, although there is still work to do... isn't there always.

    Mrs QBW has started enquiring about OPing, which is also v positive.

    We've now been in our house for over a year and within the next month will be beginning the first phase of the work, converting part of the garage into a utility room woo hoo!!!

    I've updated my sig and the mortgage has reduced by £2,200, which is OK, but would like to find a way to getting to the £200s a bit quicker.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    Just made my first OP in 7 months of £17.55 thanks to A Frayed Knot, rounded my mortgage down to the nearest 100. I can't really afford big OPs but reckon I can do that once a month, I'm inspired!!
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
    edited 26 September 2016 at 6:36PM
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    QB_Wolf wrote: »
    Just made my first OP in 7 months of £17.55 thanks to A Frayed Knot, rounded my mortgage down to the nearest 100. I can't really afford big OPs but reckon I can do that once a month, I'm inspired!!

    :T:T:T Well done :)

    Edit - can you do me a favour and do another post, I'm not liking your number of posts one bit :o Sorry
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    A_Frayed_Knot wrote: »
    :T:T:T Well done :)

    Edit - can you do me a favour and do another post, I'm not liking your number of posts one bit :o Sorry

    Ha ha here's another post to get me off the number of the beast.

    Signature updated, but now I need to overpay 63 to get to 00.00 or 163 to get to 000.00.

    Need to check my accounts, to see what I can afford.

    In other news, the new utility room starts being done tomorrow:)
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    At last, wasn't sitting comfortable with me :rotfl:

    Good to see you remembered the zero policy :D but you have big work ahead, and I take it that means big expense :eek:


    Hope work goes to plan along with zeros.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • Pushkin
    Pushkin Posts: 795 Forumite
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    Are you having an existing utility room renovated or is it an extension to create one? Either way I'm jealous - would love a utility room - good luck with it all - am sure the end result will be worth all the hassle!
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