QB Wolf's long and winding road

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  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    First I have to apologise, I just don't seem to be able to catch up on diaries yet :o, but I have to say, your getting the hang of this even with all the work you have going on :T Well, I did read the bit about you saving on hotel and drinks :beer: so you have just put the savings to good use.And, of course, if you can make another o/p once paid and before 31.12.16 that would also be good, as most 10% o/p allowances begin again on the 1.1.17. Just saying . . . . Hope you have light and heat before Xmas.
    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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    New front door and surround and utility door and window delivered today..... one more step........and my diary name never felt so apt!!!
    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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    A_Frayed_Knot wrote: »
    First I have to apologise, I just don't seem to be able to catch up on diaries yet :o, but I have to say, your getting the hang of this even with all the work you have going on :T Well, I did read the bit about you saving on hotel and drinks :beer: so you have just put the savings to good use.And, of course, if you can make another o/p once paid and before 31.12.16 that would also be good, as most 10% o/p allowances begin again on the 1.1.17. Just saying . . . . Hope you have light and heat before Xmas.

    My next OP will be in Jan after the main payment goes out, we have light now just no heat and no use of the upstairs toilet.:(
    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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    so new front door and surround in, but one of the panels is wrong, also uncovered a concrete lintel that needs replacing - no more work until the new year.

    Oh and we have heating but only upstairs.
    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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    So my family have moved back in at last, with the house running at about 50%. No work being done this week, although I've chipped away the concrete round the leaking downpipe and identified the problem. Might try and fix it tomorrow, which will bring the upstairs bathroom back on-line.

    Back to work tomorrow, but working from home so not too bad.

    Very cold tonight - brrrrrrrr!!!
    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
  • Pushkin
    Pushkin Posts: 795 Forumite
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    I have images of you trying to type on a laptop while wearing thick gloves to keep warm :D

    Must be encouraging to see progress being made though huh! Good luck with it all.
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    Pushkin wrote: »
    I have images of you trying to type on a laptop while wearing thick gloves to keep warm :D

    Must be encouraging to see progress being made though huh! Good luck with it all.

    We have fan heaters Pushkin :D
    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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    Made a small OP of 71.49 to round the mortgage down, my AFKOP.

    Aiming to be 60% LTV by May.

    Work is still on-going on the house - New window and back door in, in the utility room, the units are going in today too. So progress is being made.
    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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    I need more money!
    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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    QB_Wolf wrote: »
    I need more money!


    Strangely enough - You are not alone:rotfl:

    Doing amazingly well, what with all the work you have going on and still managing to o/p :T
    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
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