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SF's road to mortgage freedom!

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  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    So, I sold my car today! We're now a one car household, so it should save us lots of money in the long run :)

    It feels strange though, I'm going to miss that car :o
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    We went down to one car for two and a half years and it was brill, you'll soon feel liberated, no more servicing, MOTs, insurance etc to worry about it. My new job meant I had to buy another one in the end but we would have been a few grand better off without it!!!
    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
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thanks for posting that - I did have a little wobble before I left thinking about whether it was the right decision, but I'm sure it is! :D
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • taxi73
    taxi73 Posts: 20,815 Forumite
    I too think this year has gone really quick.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Just had a look at my Student Loans thingy online, and wish I hadn't! :eek: I know that it's best just to leave it plodding along, but according to the calculator on here, it'll take me 11 year 5 months to pay off at the current rate :eek: :eek: which is a looong time to be paying something off!

    Hmm. Anyway, I need to cancel my car insurance this afternoon, hoping for a refund on that, every little helps :) I'm having leftover spanish chicken for lunch and I'm going to the gym later :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 5 August 2013 at 12:08PM
    Hello August! It's scary how fast time is going now, where has this year gone?!

    Tonight the in-laws are coming for tea, so I've bought a leg of pork to cook for the first time; I'm hoping it'll be straight forward....! I'm going to do it with roast veg, pitta breads, hummous, salad and feta cheese. I'm going to try and only have a small portion, and avoid the cheese - bloomin' dress still doesn't fit....

    So, no NSD for me today as I need to pop out for salad-y stuff.I also need to hoover up downstairs and have a bit of a tidy. It's not a total tip in our house, but still, needs a bit of a shuffle round :o I'm also hoping to get some time to practice the piano today.

    Just looked at the mortgage account as the interest is applied on the 1st of the month - we've managed to deduce the daily interest down another 10p, to £10.59 a day. Oh, I can't wait til it's under £10 a day, that'll be a good milestone to break :D
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    The weather is awful today - it's chucking it down :( the cats were out before and they've both come back drenched and are now snoozing ;)

    I'm not venturing anywhere today, might watch a dvd in a bit :) I love the holidays! It'll be a NSD today though, which is good :) funds are going to be a bit tight this month, but nothing we can't handle ;)

    I've decided over the winter months to research growing fruit and veg in tubs - as we've got the cats we can't have raised beds or anything, so tubs is the way forward! I'm hoping to grow some things that we eat a lot of, but I have no idea about it, so researching and reading it is!
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • pavlovs_dog
    pavlovs_dog Posts: 10,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    gorilla-tub-(page-picture-large).jpg

    Lots of people seem to like these ^ for growing. You can often get them in supermarkets for about £3. I have tonnes of seeds and good intentions, but have yet to get around to planting anything. Only been three years :o

    If you're serious about growing, why not check out the sales at the mo. Places like wilkinsons have lots of their garden stuff on offer.

    Hope you're enjoying the hols. Hope the shrinkage for the dress works out. I'm having the same kind of problem, except its my school clothes I barely fit into any more :o
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • MallyGirl
    MallyGirl Posts: 7,284 Senior Ambassador
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    the main issue with growing in pots is that you have to feed everything. the best bang for your buck in pots would be herbs, salads, chillis, maybe strawberries. you can get some dwarf veg which is ok in pots.
    My cat is perfectly capable of digging up a pot and the squirrels seem to prefer them to the open ground as the soil is nice and soft.
    I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
    & Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
    All views are my own and not the official line of MoneySavingExpert.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    pavlovs_dog - I didn't know those tubs would be suitable - I shall investiage!

    MallyGirl - I'm hoping our cats won't notice the pots :o and we do have squirrels around - I didn't think about them? Hmm...
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
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