Diary Mortgage Free Road To Change My Life

Luckyinlife

debtfreeoneday wrote: »

First time I popped in here, to say well done! I love cashback sites.. have got loads back from my one, though I use t0pcashback

THanks for popping in DF :] means a lot ya the cash back will help with big stuff a lot so will be worth it :]

Quick update

Today i spent £60 in b+q on paint stuff to put a white base coat on the rad walls upstairs so they are done the office i managed to get done 3 walls was there 3 hours so put the rads back on and now ready to be flushed by the plumber early next week :]
Ill wait for the boiler to go in next week now then get on painting all of the bedrooms and office :j

2nd mortgage payment tomorrow woooooo im still waiting for a letter to confirm my OP of £2300 if i don't get it tomorrow i shall be ringing them its been a week now

Loft ladders going in on saterday :]

debtfreeoneday

All happening in here!!! Just read through most of your diary and thought the guy on the ladder was you at first.. thinking he looked older than 27!!!

Luckyinlife

debtfreeoneday wrote: »

All happening in here!!! Just read through most of your diary and thought the guy on the ladder was you at first.. thinking he looked older than 27!!!

Haha i knew that would confuse people lol na i have about 30 years to catch him up lol :j

Luckyinlife

So rang the Mortgage company this mortgage after waiting a week for the letter turns out im not getting a letter haha

So i said how much i got left £65188 thing is when i make a over payment they take the 3% fee out of the amount i pay least i know now the routine i have to go thro to get it done.

So I what i may do is OP every 2 months even if i send in £200 OP i have to send in proof of funds so for the sake of the hassle ill wait till i got a nice amount ie over £500 each time.

When i remortgage i will be getting a bank account to go with it lol

Firegirl

What a shame it's such a pain.....would you be better just saving it and paying it all in one go?

Luckyinlife

Hey sque
Ya Looks like ill have to save it into my Emergency fund Monthly and when i think its enough just hit the mortgage with it :]

Its a 10 year plan i have currently so i guess things take time :]

well done on getting out of the 240k club you miss it hehe ?

Luckyinlife

So quick April Summery

Managed to OP £2300 :j
Payed out plaster £1100 and electrician £800 So far
Payed 2 x mortgage payments £900

So the mortgage was £67700 at start of the month it now down to £65188 after OP and normal payments :beer:

House fund is now around 6k

May plans

Plaster should be finished by weds next week i hope
New boiler is going in next week also :j
Then i need to get a kitchen sorted

Over payment plans i may save this months over payment and keep it to add to Junes over payment

Firegirl

You've done great!!! I can't believe your motivation. I think you'll end up a property developer when you get this one done!!!

Glad to be in the new club but if I'm honest I've overdone it a bit and now I'm totally broke this month. Couldn't resist breaking the barrier though!

princess295

well done on the OP's you made alot of progress very quickly

Luckyinlife

Sque wrote: »

You've done great!!! I can't believe your motivation. I think you'll end up a property developer when you get this one done!!!

Glad to be in the new club but if I'm honest I've overdone it a bit and now I'm totally broke this month. Couldn't resist breaking the barrier though!

Thanks for the support sque means a lot :]
I would like to get into property one day just to say iv tryed it at least :]

Hey isnt that what OH is for to bail you out when you need support haha great job :]