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Diary Mortgage Free Road To Change My Life

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  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Hey sque ya the boiler can wait now till the electrics has been sorted

    Been to the house today to take my tools from there
    Electrician is starting tomorrow 18th he will be there for 3 days :]

    Then the plaster is in on Monday/Tuesday full house plaster inside :] bar bathroom and kitchen

    hopefully going to have a low spend weekend
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Cream_Tea
    Cream_Tea Posts: 427 Forumite
    Wedding Day Wonder
    Sounds so exciting your end. Your house will look so good with fresh plaster everywhere. I hope you get the fireplaces sorted.

    CT
    Mortgage [STRIKE]£269,000[/STRIKE] £258,987 / MF date [STRIKE]June'49[/STRIKE] June'49
    Debt £24,990 / Debt Free Est. May'21

    Updated 06/05/18
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Cream_Tea wrote: »
    Sounds so exciting your end. Your house will look so good with fresh plaster everywhere. I hope you get the fireplaces sorted.

    CT


    Thanks cream tea :] ya i could of got away with not doing it really but as its a home for the next 30 years or so it has to be done :]

    Quick update

    Electricians are in today met them at 7 this morning they doing 2 12hour days and 1st fix should all be done :j in total im adding around 15 or so new double sockets and moving all the light switches boiler will be moved as well from kitchen to airing cupboard upstairs.

    Im also having 2 outside lights fitted one next to the conservatory shooting into the garden and one in the carport to the side :]

    Over payment money
    Iv managed to get together £1040

    £140 from pot on window sill change :]
    £900 from bond sales that where just doing nothing

    Im hoping i can find a bit more but im really happy with that so far :] will wait till pay day and see whats what then
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Cream_Tea
    Cream_Tea Posts: 427 Forumite
    Wedding Day Wonder
    £1040 is amazing!
    Mortgage [STRIKE]£269,000[/STRIKE] £258,987 / MF date [STRIKE]June'49[/STRIKE] June'49
    Debt £24,990 / Debt Free Est. May'21

    Updated 06/05/18
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    That's a great stash!!!! Well done!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • katep23
    katep23 Posts: 1,406 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Brilliant OP, well done x
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Cream_Tea wrote: »
    £1040 is amazing!
    Sque wrote: »
    That's a great stash!!!! Well done!
    katep23 wrote: »
    Brilliant OP, well done x

    Hey guys thanks :] im not going to make the over payment till i get payed this month then i can add more to it wooo :] id rather make a big over payment now so there is more capital coming of the mortgage monthly :]

    im not feeling so good today so day of rest i guess shame its such a nice day
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Looking forward to hearing your overpayment. It sounds like you'll be able to do quite a bit!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Thanks Sque :] im hoping to knock a year off the term at least still waiting for bond money to be transferred most important thing for me is to raise the amount that comes of the capital every month from my normal payment.

    So the electricians have done the first fix :] place looks great now with loads new sockets in and new light switches.

    The plasters will start today or tomorrow they got a key so just leave them to it now :]

    Also got another plumber to come down he said £2800 for a Worcester boiler with 8 years warranty when i see him ill try get this down to £2500 or under haggling but well see ? i always try my best haha

    so i guess if all goes well within a 3 weeks it should all be sorted ready for a kitchen and flooring :]
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Blimey LIL, you're going great guns - huge OP and sorting out the house. I wish I had your energy!

    I had a quick update on earlier posts on your diary and re: kitchen. A builder I know who deals with high-end projects (not my house!!) said a trick of the trade is using Ikea cabinets because they're easy to fit and last ages and then using a non-Ikea worktop because the worktop quality isn't great.

    Ikea also let you do 12 month interest free. We've done it twice now and both kitchens have been great. I'm not on commission (!) but thought you'd like to know. Imagine all those high-end houses with Ikea kitchens in and the people may not even know!
    SR
    Target 1: Debt: [STRIKE]4459.02[/STRIKE] Jan'15 [STRIKE]2899[/STRIKE] Feb'15 0
    Target 2: Emergency fund: Feb'15 [STRIKE]1500/6000[/STRIKE] Mar'15 6000/6000
    Target 3: Buy-to-let fund: Mar'15 [STRIKE]1200/4000[/STRIKE] Apr'15 4000/4000
    Target 4: Pay sister back: 9000/40000
    Target 5: Get mortgage to 250k: Jan'15 271,659 Today 259,283.82
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