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QB Wolf's long and winding road

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    QB_Wolf wrote: »
    It was all going so well until yesterday, I was on track, then I took the family out for breakfast and we had fish and chips last night :mad:

    So will have spent £60 in 14 days, by the time I get paid on Tuesday - 2 days to go.

    Oops :o. Still, got to cut yourself some slack sometimes and I hope you enjoyed them :).
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    QB_Wolf wrote: »
    Monthly SO of 150 OPd off Mortgage have updated part of sig, will update rest when main mortgage goes in :)

    So that's £450 in total for August - pretty pleased with that as it's been a pretty expensive month.

    Unfortunately I think September is going to be as bad, may only be able to do £300 :( We'll see.

    I wish I could have paid £300!!! After an expensive month I've managed £150, think October will be the same, focussing mainly on trying to get my current account in the black before Christmas. :)
    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
    edited 28 September 2012 at 8:04AM
    QB_Wolf wrote: »
    Disaster!! I use the RBS online mortgage switching service to check how my mortgage is getting on, but I've just managed to lock myself out and it will be 25 days until it's unlocked, how will I cope???

    My spreadsheet will have to proove it's worth for the next 25 days!!

    Wa hey it's unlocked, can track my mortgage again, my spreadsheet was fairly close.

    Can't believe how excited I am, and I'm definitely below 80% LTV:j been offered 6 new deals by RBS, none of them good enough :mad:

    I've got tomorrow off, it's my boys 3rd birthday tomorrow so day off and two parties. Then next week I'm off work - Center Parcs here we come:beer:
    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
    QB_Wolf wrote: »
    Then next week I'm off work - Center Parcs here we come:beer:

    Just back, had a fantastic week, the whole family loved it and didn't spend too much, it is expensive but if you're sensible it's OK, kept eating out to a minimum but did have the odd naughty treat. :A
    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
    edited 15 October 2012 at 1:09PM
    Not had a lot to report lately - don't seem to be doing well reducing spending to enable OPs and roll on payday - ten days to go. Have just pretty much halved what I was paying for house insurance though, need to take the positives where I can!!!
    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
  • Mortgage_Reduction_Novice
    Mortgage_Reduction_Novice Posts: 1,775 Forumite
    Still 16 days till payday for me too.
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    It's our daughter's Christening tomorrow, so hoping for a lovely day, financially we've spent about half of what we did on our son's (don't tell her) still not cheap but sensible at least.

    5 days til pay day!!
    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
    Well the christening went very well, our daughter was very well behaved and the service was lovely.

    We had fish and chips and they went down well.

    Only fly in the ointment was the people who were meant to be doing the bar for us in the church hall didn't turn up, we've found out they went bust on Tuesday, but didn't let us know!!:mad:

    So some friends of ours sorted it all out - in three hours they'd bought all the drinks and set it all up, just need to understand the financial implcations now:eek:
    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
    So the financial implactions are, we had £68 worth of booze left over, so that's not too bad at all, plus we'll have enough to get us through Christmas, so I don't feel like we're out of pocket at all.

    One thing is for sure, having such good friends is a real blessing.
    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
    Woo hoo £150 OP this month takes me into 4 figures, taken a little longer than I hoped, but chuffed anyway!!
    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
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