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Diary Mortgage Free Road To Change My Life

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  • :T well done!
    Shame it was such a hassle for you, anyone would think they don't want you to overpay :o
    Sounds like you're getting on with your renovations, we are in the middle of decorating 4 bedrooms (2 down, 2 to go) and then have some bigger jobs to do
    ISA Balance 21/4/15 - £900.00
    Mortgage Balance 21/4/15: £209,658
    Mortgage Balance now: £209,658
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    katep23 wrote: »
    Woo hoo, fab!
    Thanks kate :] yay
    gallygirl wrote: »
    A great payment, and even if it took you an hour - well, it's not a bad hourly rate you've saved :T.

    Thanks ya was a bit of a nightmare but nothing will stop me overpaying hehe
    :T well done!
    Shame it was such a hassle for you, anyone would think they don't want you to overpay :o
    Sounds like you're getting on with your renovations, we are in the middle of decorating 4 bedrooms (2 down, 2 to go) and then have some bigger jobs to do

    Ya in all fairness they where help full enough in the end it just seemed like they dont deal with people overpaying a lot as it was hold on i got to check type of thing hehe
    The renovations are coming on well hopefully should all be done in 2-3 weeks max :] its hard when you live there isnt it

    Bluefire wrote: »
    Yay! It's an amazing feeling taking that first step, love watching those numbers go down!

    Thanks blue fire i was tempted to put another 500 to bring it under 65k but i have to control myself as i still have a kitchen and floor to buy hehe
    After all it is a marathon not a sprint :]
    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
    That is a brilliant overpayment!!!! Very exciting when you get that piece of paper through the door!!!:beer:
    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 :] hopefully the confirm the how much the term has come down as well if not ill have to ring them haha
    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
    That's great, Thanks for keeping your diary exciting!

    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
  • edinburgher
    edinburgher Posts: 13,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I will get around to reading your full diary shortly, but can I pick your brains in the meantime? :)

    What is the best way to clean internal windows without buying any specific kit? I've got white vinegar, ammonia, washing up liquid, sponges and lint free cloths etc. Probably scrounge up a bucket from somewhere as well...
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Cream_Tea wrote: »
    That's great, Thanks for keeping your diary exciting!

    CT

    Thanks cream tea :]
    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
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    I will get around to reading your full diary shortly, but can I pick your brains in the meantime? :)

    What is the best way to clean internal windows without buying any specific kit? I've got white vinegar, ammonia, washing up liquid, sponges and lint free cloths etc. Probably scrounge up a bucket from somewhere as well...

    Thanks for popping in edinbutgher :]

    Personally if i clean inside without a window cleaning blade and cloth i just use a microfiber cloth a damp one to clean them and a dry one to make them spot free.
    washing up liquid is good no need to over do it just a little bit just make sure you use a nice dry microfiber cloth to get them to come up clean with no streaks.
    i guess you have some big windows being up high ?
    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
  • edinburgher
    edinburgher Posts: 13,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Excellent, got cloths. Yes, we have gigantic windows, nice when they're clean, our secret shame when they're filthy :D
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Excellent, got cloths. Yes, we have gigantic windows, nice when they're clean, our secret shame when they're filthy :D

    Ah i know my house has a conservatory so it will be shame of dirt greenhouse haha
    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
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