QB Wolf's long and winding road

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  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    I've also made the decision that I need to change my car, it's done 111k miles and things are going to start going wrong on it. Such a time consuming thing though.
    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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    No posts for two months - tut, tut, tut.

    Haven't changed my car, struggling to justify it.

    MFW has taken a back seat I'm afraid, as we're having a new kitchen, spent the weekend stripping the plaster off the walls, first fix of electrics is done, bi-folds arriving today!!! In about 30 mins actually.

    Have taken up a new deal on one part of the mortgage, which will reduce the monthly costs, apart from that had a great summer, kids back to school tomorrow and it's on with the kitchen.
    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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    Bi-folds in, first fix plumbing done, plaster boarding halfway complete.
    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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    Sounds lovely and we can't have it all and do it all - all at the one time:)

    You still need to live comfortable, it's just the little things that make the difference,
    like shopping at L1dl's or @ldi's, reducing outgoings, elec, gas etc and batch cooking
    to name but a few. Works wonders :cool:

    Not to mention having a knotty o/p now and then ;)
    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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    Plastering done, waiting for the kitchen to arrive next.
    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'm bored of house improvements now, I want my house back :(
    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
    Options
    Work still being done on the new kitchen, the lounge is now plastered. New chimney is built, log burner going in next week.

    I had a lucky escape with my car a couple of weeks ago, so have bitten the bullet and my new one comes next week.

    So much going on, not sure if I'm coming or going.
    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
    Options
    Work still not finished on the house, although the kitchen is not far away now and neither is the lounge. Will soon be time to stop, reflect and put in place a bit of a financial recovery plan.
    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
    Options
    There is light at the end of the tunnel!!!! Today we will have heating downstairs for the first time in over twelve months.

    No OP again this month, not sure when that will happen 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
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Options
    Long time no post - over 10 months.

    In terms of changes in figures, we went below the £200k mark which was quite a milestone, and the house has been revalued so we now own over 50%.

    I've renegotiated our mortgage deal, so that both parts now end on the same date, it was a real pain them coming to an end on alternate years not to mention costly.

    Hope anyone that remembers me says hi.
    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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