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Diary Mortgage Free Road To Change My Life

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  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    well dont on the OP's you made alot of progress very quickly

    Thanks princess :] have a great 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
  • BookWorm
    BookWorm Posts: 2,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just stopped by to say hello :) Hope you are having a lovely bank holiday weekend

    I've had a read of your diary and you are doing brilliantly :T I wish I had been as clued up as you when I bought my house. Took me a few years to cotton on to OP's, etc - but got there in the end ;)

    Best of luck with the rest of your journey :beer:

    BW :)
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Hey book worm thanks for stopping in
    Ya i guess starting early is always going to help big time in the long run

    For years iv wanted a house tho and always wanted to not ow a massive amount on it if i was lucky enough to get one so here i am trying to get it gone asap haha

    Thanks for the kind words :]
    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
    1st week of may update

    Painted the office bit few bits left to do yesterday
    Boiler is being fitted tomorrow :] should be finished by Friday
    Hoping the plaster will be finished this week but i know he wont be

    Took 3k out of the bank today to pay boiler and get some bits for the house new lights ect

    Won £25 on the premium bonds wooooooo Tax free love that haha

    I have roughly 2-3k left now in the House fund which will need a bump in the next 2 months also to allow for 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
  • SavingRaven
    SavingRaven Posts: 63 Forumite
    Hi LIL! You've been so busy lately and achieved so much.

    Congrats on the premium bond win - every little helps! Hope you're having fun with the decorating - so nice to make a place your own.

    And really well done on the OPs, you're really tearing through that mortgage balance.

    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
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Thank SR kind works indeed I'm trying my best :]

    Decorating can start next week now or i may wait till i sort a kitchen im hoping to get something sorted tomorrow. :]
    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
    I've never ventured into premium bonds.

    Good on ya getting a win!!!:money:
    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 :]

    So today the boiler has been finished woooo even got a wireless thermostat fitted a new rad in with the boiler and fitted a new tower rail in the bathroom boiler is a Worcester one with 8 years warranty and plumbed in new gas for oven.
    Cost 2.8k all in but am well happy with it :]
    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
    Quick update
    Nothing major happening here most of the house is plastered now

    Loft ladders going in today and then ceiling can be plastered then its done just the kitchen to plaster and order a kitchen

    Going to keep my OP this money and see what i can do next month :]
    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
    11209626_10153007120565000_6541774969341414431_n.jpg?oh=130f881eaf4219b2bcde96c0f495ffc6&oe=56092A84
    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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