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QB Wolf's long and winding road

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  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    I'm glad you find it funny :D

    I'll be glad to go back to work tomorrow for a rest!! ;)

    It's been fine actually.
    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
    Updated my sig with my new daily interest, in 5 months it's come down by 35p a day.

    At first that's a bit depressing, what does 35p buy?? Not a lot.

    But I suppose (based on a 30 day month) that's £10.50 a month extra that's coming off the capital rather than paying interest every month, so that's not too bad!! Still can't wait to get below the magical £20 a day mark.
    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
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    And £10.50 a month is over £125 a year, that's not to be sniffed at :T
    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"
  • Mortgage_Reduction_Novice
    Mortgage_Reduction_Novice Posts: 1,775 Forumite
    Great to catch up on your progress... I can't face working out daily interest yet. Maybe when we get below the £140k mark I'll be able to look through winced eyes and through fingers with my hand firmly over my face.
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    gallygirl wrote: »
    And £10.50 a month is over £125 a year, that's not to be sniffed at :T

    I like that 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
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Mortgage_Reduction_Novice wrote: »
    I can't face working out daily interest yet. Maybe when we get below the £140k mark I'll be able to look through winced eyes and through fingers with my hand firmly over my face.

    Come on MRN - knowledge is power :cool:. Double dare you :D.
    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
    gallygirl wrote: »
    Come on MRN - knowledge is power :cool:. Double dare you :D.


    Donkey dare you MRN - Not quite sure what that means but remember saying it a long time ago.

    Seeing the daily interest is a pretty big motivator!!
    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
    Quite a costly weekend - I had my mid year review on Friday and although there was some positive stuff, I did get slaughtered!!! So to cheer myself up we had a Chinese takeaway (slap hand).

    Then last night we had our friends Christmas meal, 20 of us, which was great but £50 gone.

    On a more positive note, I fed our baby girl solids for the first time yesterday and it's my son's first nativity play in an hour and a half - he's a sheperd - can't wait ha ha

    12 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
  • lulabelle1
    lulabelle1 Posts: 2,704 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    First solids is a milestone, she'll soon be eating everything in sight. I hope the nativity play went well.
  • Mortgage_Reduction_Novice
    Mortgage_Reduction_Novice Posts: 1,775 Forumite
    gallygirl wrote: »
    Come on MRN - knowledge is power :cool:. Double dare you :D.
    QB_Wolf wrote: »
    Donkey dare you MRN - Not quite sure what that means but remember saying it a long time ago.

    Seeing the daily interest is a pretty big motivator!!

    I was inadvertantly exposed to my daily interest thanks to a letter from The Coventry - £13.58 BUT as we're mid-switch to Nationwide this will get smaller due to the lower interest rate.
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
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