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2013 mfw

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  • black_taxi_2
    black_taxi_2 Posts: 1,816 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    my horrible month is oct,gas/elec quarterly bill,car mot,annual service
    £48515 interest £181 (2009)debt/mortgage-MFIT/T2/T3
    debt/mortgage free 28/11/14
    vanguard shares index isa £1000
    credit union £400
    emergency fund£500
    #81 save 2018£4200
  • Calfuray
    Calfuray Posts: 1,003 Forumite
    Uniform Washer
    black_taxi wrote: »
    my horrible month is oct,gas/elec quarterly bill,car mot,annual service

    Ouch! I understand, I was car tax, MOT, car insurance, annual parking ticket etc. Over a grand when I only get ~£600 a month :o
  • black_taxi_2
    black_taxi_2 Posts: 1,816 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    how much is your residential annual parking?
    £48515 interest £181 (2009)debt/mortgage-MFIT/T2/T3
    debt/mortgage free 28/11/14
    vanguard shares index isa £1000
    credit union £400
    emergency fund£500
    #81 save 2018£4200
  • Calfuray
    Calfuray Posts: 1,003 Forumite
    Uniform Washer
    black_taxi wrote: »
    how much is your residential annual parking?

    It's not residential (thank goodness!) it's for my university - £125 for the year.
  • Reporting two October overpayments of £358.90 and £9.04 thankyou! :D
    :heartsmil Stay-at-home-mummy of two, pinching the pennies but loving it! :heartsmil
    :grin:Spreadsheeter, piggybanker, envelope-system user!:grin:
    :exclamati Debt £1400/£6500 21.5% :exclamati
    :question: Emergency Fund £0/£500 0% :question:
  • No 129 checking in with an additional payment of £48 for October - I'm just trying to keep myself motivated :)
    Mortgage when started October 2011 : £94,134

    Total mortgage balance Mar 2016 [STRIKE]£78,417[/STRIKE] [STRIKE]£77,523[/STRIKE] [STRIKE]£76,181[/STRIKE] £72,001
    Offset Saver account Mar 2016 [STRIKE]£45,238[/STRIKE] [STRIKE]£45,666[/STRIKE] [STRIKE]£47,593[/STRIKE] £52,093
    Mortgage paying interest on Mar 2016 [STRIKE]£33,179[/STRIKE] [STRIKE]£31,859[/STRIKE] [STRIKE]£28,588[/STRIKE] £19,907
  • Good afternoon Voucher Man

    #86 on your list.

    Please could you amend my 2013 overpayment target from £16831.70 to £15,587.20

    This reflects some over payments that were used to reduce a combination of monthly payments and/or term.

    Normal monthly repayments will take care of the mortgage, whilst maintaining regular over payments at the same time.

    I am on target to clear my mortgage by the year end, if not well before, all depends on my fluctuating income and/or unexpected bills.

    Just a small note to Lavender Bees, I believe Santander want somewhere in the region of £250 to redeem my mortgage early, the rotters!
  • VoucherMan
    VoucherMan Posts: 2,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That time of week again so time to get everyone up to date.

    A few September ops - icontinuetodream (and one for October), FacelessNumber, southportguy, My Life and skaps (along with an October update- well done target reached :T)


    And for October - Lomcevak, ajmoney, Gadfium, Calfuray (+57p for July & an increased target), kansaskitty, freddykrueger, UnionGirl and NellieB.


    NPowerUser I've amended your target.

  • Another £10 to the op from an ama$on sale....google docs updated :D
    Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
    Mortgage OP £50/£600 House Fund £420/£5000
  • Calfuray
    Calfuray Posts: 1,003 Forumite
    Uniform Washer
    Sorry VM, another 26.06, went to the bank today... :o
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