New House, New Mortgage!

jodles16

So I rang the bank and asked about the differences in interest...poor guy had to go off and ask and I still don't really understand! He kept talking about the extra extra OP in August...Have set up another £100 for January 2016 to make sure we def get into the next bracket and hopefully will mean we are still on track for April! The man said it was 15th April onwards so very helpful of him!

Really not feeling Christmassy at the moment...hope it will kick in when I finish work tomorrow!!

Jodles

jodles16

Hohoho Merry Christmas all!!
Had a lovely day with hubby and the dogs, weather is so bad though and I cant help but feel sad for all the folk in Cumbria really hope the rain stops soon.

We have all been super spoilt, the dogs are fast asleep after opening all the presents they were given! Lots of new toys to play with!

Jodles

Crumpets

Merry Christmas Jodles, I hope you had a lovely day yesterday.lots of luck with your plans for 2016 :beer:

jodles16

2015 Financial Round Up!

1st January 2015- £183,684.09 LTV- 94.19%

1st December 2015- £177,472.10 LTV- 91.01%

Overall Decrease in Mortgage: £6211.99

Total OP: £4358

LTV Change: 3.18%

jodles16

2016 Mortgage Stats!

1st January 2016 before Payment- £178,100.21

After- £176,856.46

LTV- 90.7%

Overall Interest- £628.11

OP- £310 and extra £100

Capital Paid- £615.64

Excitingly we start 2016 in the 176's!! And into the next % bracket, we are only .7% from goal! We are £1356.46 from goal which means we are on target!

jodles16

Out of curiosity from last year I worked out my NSDs in total which was: 234!!
Broken down into: [FONT=&quot]Jan- [/FONT][FONT=&quot]22/20 [/FONT][FONT=&quot]Feb-[/FONT][FONT=&quot] 23/20 [/FONT][FONT=&quot]March- [/FONT][FONT=&quot]24/20 [/FONT][FONT=&quot]April- [/FONT][FONT=&quot]21/20 [/FONT][FONT=&quot]May [/FONT][FONT=&quot]20/20 [/FONT][FONT=&quot]June [/FONT][FONT=&quot]20/20 [/FONT][FONT=&quot]July- [/FONT][FONT=&quot]22/20[/FONT][FONT=&quot] [/FONT][FONT=&quot]August [/FONT][FONT=&quot]22/20 [/FONT][FONT=&quot]Sept- [/FONT][FONT=&quot]20/20 [/FONT][FONT=&quot]Oct- [/FONT][FONT=&quot]8/9 [/FONT][FONT=&quot]Nov- [/FONT][FONT=&quot]23/20 [/FONT][FONT=&quot]Dec-[/FONT][FONT=&quot]9/10


[/FONT] Hoping for something similar this year, any improvements will be great and will focus on the months where I seemed to have real difficulties last year so October and December!

Jodles

jodles16

First full week back at week and it was alright...cant wait till I retire in a gazillion years!

Been thinking about hols, I do this a lot when its wet and horrid here! Saw an advert for the Atlantis Palms in Dubai, looked at the amazing underwater rooms...then nearly cried! 9k for two nights!!! Sadly wont be affordable unless we win the lottery that we don't play! Ah well!

Also looking at nice cottages up in Scotland we can take the doggies too, got our hol up in Derby for Halloween and Bonfire night this year and we are going to hire a hot tub for my birthday week. A hot tub would be nice now!

Jodles

MuffinTops

Hello Jodles,
Just caught up with your diary from the past couple of months. You do so well with keeping organised with your outgoings.

I'm not a great cold lover either and have been dreaming of far off places, but I can't bring myself to spend the money just yet.

Birthday hot-tubbing? What a great way to celebrate.

MTxx

jodles16

Thanks MT! I suspect my diary is good at hiding the money flaws and may be misleading!ha!

Big dogs arthritic leg is causing a lot of problems for her, going to try and get her to hydrotherapy and see if that will help. Went to our first of six beginner classes in Archery yesterday, got pinged by the bow due to bad arm form and have a massive purple bruise, owie! Have managed 6days alcohol free so far and have been calorie counting using MFP again, hoping to see a loss tomorrow, would love to sort my weight out once and for all!

Jodles

MuffinTops

I'm completely with you on wanting to sort weight out once and for all. You're doing more than I am with your archery. Other than the bow ping, how did you do? Did you enjoy it.

I've heard great things about hydrotherapy regarding arthritis so I hope that works well for your dog.

Have a lovely week.

MTx