Diary Mortgage Free Road To Change My Life

Luckyinlife

Firegirl wrote: »

Your doing great with the house Lucky!

How's your ebaying going?

Thanks fire

ebay has been going ok i sold about £100 or so in may but really iv been buying stuff for the house like a new shower unit £70 paint iv used nearly 60 liters of white so far at a cost of nearly £80 vent for house lights ect

so its helping with the payment of small stuff

Luckyinlife

gaffel wrote: »

Just caught up, lots completed in such a short space! Well done! Looking forward to following you on your journey.

Would highly recommend IKEA kitchens, fairly easy to fit as well

Thanks Gaffel :]

Ya iv looked at ikea myself closest ikea is a 40 min drive for me so i will have to pop down at some stage

Firegirl

That's £100 you've saved by selling things though, you're doing great!

Luckyinlife

Firegirl wrote: »

That's £100 you've saved by selling things though, you're doing great!

Thanks fire Ya it all helps if we can sell like that every month it would help every year massively :]

Things to do now for me is

Get kitchen ordered
Paint
Get quote for a attic floor and window so i can use this as my office
floor once the kitchen is in :beer::beer:

Firegirl

That is a short to do list now!!!

Luckyinlife

Thanks fire

This week only manged to
get the shower in and hooked up
got a industrial hoover to give the place a good clean and moped

Had a slow week this week will pull my finger out next week

Iv added another £400 to my over payment pot which now stands at £2000 but antill the house is done and finished this isnt safe haha

edinburgher

You have any good suggestions where to stick it?

Apologies for the super delayed reaction. You can have £2k @ 5% with T5B and £5k @4% with Ll0yds. Beyond that, I'd opt for S123 (or maybe short term P2P lending, if that would be at all suitable for you)?

Luckyinlife

edinburgher wrote: »

Apologies for the super delayed reaction. You can have £2k @ 5% with T5B and £5k @4% with Ll0yds. Beyond that, I'd opt for S123 (or maybe short term P2P lending, if that would be at all suitable for you)?

Ya the only one i need to open is a 123 account where i could put the bulk of what i have

P2P lending how safe is it in the real world and how quick can it be taken out if ever needed ?

edinburgher

P2P lending how safe is it in the real world and how quick can it be taken out if ever needed?

If you use something like R@tesetter that has a provision fund and you lend money in the smallest chunks possible to remain diversified, it's fairly safe. In terms of taking the money out before term, it's usually possible to do this, but you will lose or forfeit interest (best avoided). I was more thinking that you could store the bulk of the money in current accs, with a small proportion tied up in P2P for 2-3 years to top up your overall rate.

Luckyinlife

edinburgher wrote: »

If you use something like R@tesetter that has a provision fund and you lend money in the smallest chunks possible to remain diversified, it's fairly safe. In terms of taking the money out before term, it's usually possible to do this, but you will lose or forfeit interest (best avoided). I was more thinking that you could store the bulk of the money in current accs, with a small proportion tied up in P2P for 2-3 years to top up your overall rate.

I see ya ill have a read about it tonight now

Putting money away for 2-3 years isnt a bad idea actually as may save my over payments for 2 years and overpay when on the SVR when the fee is not applicant but im very undecided on the over payment thing currently

i do admit tho the money i have currently isnt do much for me at all