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Breaking Through, Travelling On
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Well if that's the rules..........I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Reeeeeeeesult!!!! :T:D:beer::j
xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
wooo hooo - hooray for loopholes that save you money!:j:j:j4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!0
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'sgood, innit
Dratted thing loses me money hand over fist, so the losses are slightly lessened.
Like everyone else, I'm also entitled to amend the previous year's accounts until 31 January ... I'm a bit wary of doing it, because I accidentally needed to do it last year, and the HMRC computer went bonkers, giving charges of pennies here and there for 3 years, late interest, all sorts of odd things. So I've altered the 2014-15 statement too, but I'm not sure I'll submit it, I don't think I could cope with another round of that. Though I don't know if that might come back to bite me, of course...
I haven't even submitted this year's yet, I want to check it's right when I'm less tired. I'll check over both years tomorrow :j
Cuppa tea now :j2023: the year I get to buy a car0 -
You deserve tea
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Thats a great result!15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j
Progress not Perfection0 -
Well deserved indeed! :j Excellent loophole-finding :j0
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Morning
I haven't checked it all yet ... the euphoria of getting this year's sorted, *and* finding that loophole is dissipated somewhat by the worry about alterations and what that can do to other years (and what it might cost, at first it looks like my liability for that year will go **up**, oddly). But if I can make the form correct, then I should - that could come back to bite me very easily. Sigh ...
To-do list: same old same old
I'm not even going to bother listing it. Except to say that I'd better open the post some time soon 
And also that there's already more sunshine shining on my garden, from where I've disappeared the laurel :jSave2023: the year I get to buy a car0 -
Hurrah for loopholes and sunshine Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!0 -
Loving the loop holes!
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0
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