Forever Home Fund

katep23

£1.23 OP from TCB - up to £88.16 this month.

Need to download photos from 2 old phones then send off to mobile phone recycler - could get £65 for them.

Friend of ours is looking to sell a 6kw Woodwarm multi fuel - happy days! Had quote to line chimney (£1.1k) but reckon we can do it ourselves.

Need to buy chickens new house, theirs is falling apart. Will be expensive!

New car in for some work (wheel bearing, gearbox oil change) which we knew about when we bought it.

OH getting a bonus this month so that's good.

debtfreeoneday

Good news on the bonus - sorry to hear about the accident, but glad you are ok!

katep23

£6 voucher used for Ocado = OP.

Worked out that when I pay £4k more off the monthly interest should be under £1,000 (when taking into account offset savings and stooze money).

Aiming for this by April 2016 - have found my next target!

smallholdingsister

Exciting news about the woodwarm.

katep23

£15 Cashback from switching suppliers OPd and £50.50 confirmed on TCB. Only need another £11 this month and we will get below £337k on next mortgage payment (for 1 day anyway!)

OH has payment of £56 due for a delayed train but I think we should do something nice with that - a meal out or something. Been pretty good with the credit card this month so would be nice to treat ourselves.

Moving the house around today so OH's desk is going in third bedroom - means we will be able to put Christmas tree up in bay window next month.

katep23

Must not spend any more money on credit cards before 3rd December as statements are due then.

Have made a list of things to order on Thursday, already up to £850 (including council tax payment).

Not taking into account car insurance x 3 and house insurance is due in December :eek:

Store cupboard challenge month coming up :cool:!

katep23

Allowing for actually eating in December we are already forecast to be over-budget.


Day 1 of SCC - onion-y, cheese-y beans on toast.


Have lots of porridge, rice and bread flour - December will not be low-carb!

katep23

December 2014
Mortgage £346,545.00
Mortgage free date 2044
LTV 86.64%

2nd December 2015
Mortgage £337,056.71
Total paid off capital in last month £816.42
Total paid off capital £9,538.29

OP 01/04/15 to date: £1,404.37 / £1,800
Total OP to date: £1,781.51
MOS: £11,410.99

LTV: 84.26%

Amount to Mortgage Neutral - £325,645.72

So MOS has decreased and ATMN has increased but this is due to new car purchase.

Over £800 paid off this month which is good news and monthly interest is down to £1,010.15.

£9 OPd already in December with another £50 to come from cashback so hope to pay off over £800 next month as well

v1ckyt

Well done, that is huge progress in a year, to have paid off nearly 10k of the capital.

Eating is a must especially in December. Food budget should be a bit bigger than normal just to allow for purchase of twiglet's.

katep23

The dog's gravy bones smell like twiglets. They might do in an emergency!

Ooh new sig! Like it.