Diary Mortgage Free Road To Change My Life

Luckyinlife · 27 June 2015 at 5:40PM

So today i headed over to B+Q to get some bulbs ended up spending £14 for the whole house

4 bright 1000 lumens 2 for hall 1 for office 1 for living room
3 750 lumes for dinning room 2 bedrooms and 1 in the attic

work on the garden has started and should be ripped out by Monday evening

Luckyinlife · 28 June 2015 at 2:08PM

Weather is pretty bad here now so looks like now garden work will be done today now as its 1 already now and still not easing up grrrrr

I phoned the mortgage company up and i i ow just under 65k :] i need to update sign which i will do next week once i get my slip thro

plan is to get this under 60k before the year is out which i already have 2k
So hopefully i can do that :]

TimmySaver · 28 June 2015 at 2:27PM

Sounds like things are going really well with the house. I hope the weather breaks for you soon so you can get on with the garden!

Luckyinlife · 1 July 2015 at 11:20AM

TimmySaver wrote: »

Sounds like things are going really well with the house. I hope the weather breaks for you soon so you can get on with the garden!

Thanks Timmy managed to get a bit done need someone to collect it now :]

Luckyinlife · 1 July 2015 at 12:01PM

quick update

So it seems i cant remortgage for 6 months so end of September i just need to apply and get my new mortgage only another 2 payments :]

plan still remains the same get house finished and save to hit that 60k by the end of the year :]

Iv moved a few moneys around now so have

10k Emergency fund
4k for house kitchen and floor
3k for over payments for when i change packages when its fee free :]

I rang to get a figure on the mortgage this morning but waiting for a phone call back now as the systems went down when i was on the phone Grrrrrr

Luckyinlife · 1 July 2015 at 3:48PM

So updated my sig :]

Now ow £64983

Just under the 65k mark now and have a LTV of around 60-64% depending on the value 64% at worse case 60% good case

Luckyinlife · 4 July 2015 at 12:17PM

Quick update

Won £50 on Premium bonds :]

Had a slow week at the house as a mate let me down to give me a hand with the garden so looks like ill be doing it myself next week

so quick list for next week now

sort garden out
do bit more painting
head down the tip few times to clear bags from the house

got a fitter for the kitchen and also going to get the a proper loft floor put down

Cream_Tea · 4 July 2015 at 1:17PM

That's a shame about your friend. Good luck with the garden, I bet that was hard with the heat we've had. It's so good your doing the loft etc early on because it's so much easier than doing it once your properly living in it!