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Diary Mortgage Free Road To Change My Life

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Comments

  • SavingRaven
    SavingRaven Posts: 63 Forumite
    Shiny new boiler - hoorah! Will be interesting to see if your bills comes down now with a new more efficient system.

    Well done on all the house and OPing progress LIL
    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
    Shiny new boiler - hoorah! Will be interesting to see if your bills comes down now with a new more efficient system.

    Well done on all the house and OPing progress LIL
    SR

    Thanks SR :] i never had any bills before to comapre them to really so dunno but will be a lot cheaper and more in line with how i live my life

    biggest bill is the mortgage so need to get this gone in next 10 years hehe :beer:
    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: 13,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ooh - shiny! :D
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    You'll be cosey when winter comes round!!!!
    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 guys im going to build some shelving at the bottom to put some towels/bedding so will look better in time hehe

    No really plans this week with the house plaster still there till weds/Thursday so plan is to get painting next week after a good clean up

    Overall the place is looking really good and super happy but need to order a kitchen which i should ideally wait to get payed this month to do it so im not using all my house fund

    Im really getting bored of not having my own car as well but i need to scarifies something and unfortunately its the car :[ boooo
    I could use 2k from EF as 8k is more than enough then build it back up over the next few weeks
    someone tell me off 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
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Remember you gotta live but your doing so well and if I remember rightly you do have a car to drive? Try and last a wee bit longer!!
    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
    Firegirl Thanks ya i think its the sun thats doing it to me lol before i bought the house i had a car worth 18k was a high spec Audi tt on 2010 plate im never going to get something like that agine while i have a mortgage as i bought it outright but i know ill have just as much fun in a 2k car that i can work on myself just go for a drive and enjoy with my son.

    Ya im rocking in my dads car now which is bar fuel a motor free life which is all nice but hey it must be the sun doing it to me lol

    went for a bike ride tonight 5 miles in 30 mins just went down the beach and poped into new house which is about 1mile away from my parents place
    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
    Well I used to have a serious banger and if you imagine your driving your TT now and again it really does work. I've never had a nice car but I've dreamt I'm driving a sports car many times- then I look down and saw the vauxhall Astra steering wheel and my imaginary bubble burst! Lol

    I have a Masda 3 now and I really like it, and hoping it will last me a lot of years!!!!
    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
    im sure the mazda will stick around for years family member has had a a mazda for 8 years and not had any major issues :]

    ya i bought the audi as i knew the money was for a house and it was cheaper to buy a car lose £500 over 4 months as i got it for a awsome price and sell it than rent one or buy a cheaper car
    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
    So today the loft ladders where finally fitted and i was surprised how much room/ space i have up there much bigger than i originally thought
    Im going to get the electrician to fit 2 lights up there when he finishes the place off now in a month or so which will be ideal currently i have a head tourch in my place now lol

    I cant help but to get a price to fit a window in the attic now tho haha i dont have a clue how much these cost or if i need planing permission for them anyone have any ideas ?
    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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