Diary Mortgage Free Road To Change My Life

Luckyinlife

Thanks SR Ya i do like the nice stuff in life so why not its going to be there for a few years to come

Pay day has come and gone now so after moving stuff about i have

15k EF 5k of this is for overpaying but i need to wait till i remortgage end of September :]
so i could technically pay 15k of the mortgage and ow 50k woooo but as we all know i wont be doing that haha

Messing around with the over payment calculator Overpaying would save you £33,194 in interest alone, If you overpay a lump sum of £15,000, you'd be mortgage free 8 years and 11 months earlier.

Just a bit of fun but that wont be happening

Also i could possible overpay 10k once iv remortgaged and leave 5k EF as this would easily cover the mortgage for 15 months as the payments are cheaper or so just a thought in my head atm tho

Maybe_its_because

Wow, LIL
This is so impressive- you've definitely got a taste for hard work :-)

That's brilliant you've so much flexibility by having that EF

£60k by Xmas is completely doable- will be trying to keep up

MIB x

Luckyinlife

Thanks MIB :] Just doing my best i can to sort house and shift mortgage balance im quite enjoying it :]

The EF does make me feel a lot more secure in life these days best thing i did was save a EF :]

Luckyinlife

As im self employed its that time of year to pay my payment on account booooooooooooooooooo tax money to HMRC

iv never seen money go thro with such ease lol

least thats it now till jan next year happy days

Watty1

Tis done... I dislike that moment too!

Luckyinlife

Kitchen ordered Ended up changing a few bits around having a built in cooker and oven now gained 6 inches of worktop space to the left of the cooker and looks a lot more flush now with it being built in

so with a oven gas top and extractor fan and few changed i made like the tap sink ect it came in at

£3170 so delivery is next weds saved fitter is booked in for 2 weeks after this

cant wait for the kitchen to be done now so i can get the floor in down stairs and get a move on

Luckyinlife

2 pics i manged to upload

oak surface mid range units gloss just wanted it to be nice and clean i have a dining room at the front of the house to eat so no table or anything needed :]

SavingRaven

Lovely! Love the modern gloss units with the more traditional oak top.

Bet you can't wait for it to arrive. Are you fitting it yourself?
SR

Watty1

Love the white gloss units.

Luckyinlife

SavingRaven wrote: »

Lovely! Love the modern gloss units with the more traditional oak top.

Bet you can't wait for it to arrive. Are you fitting it yourself?
SR

Thanks SR ya the oak and gloss gives it something extra :]

Iv actually got a carpenter doing a few jobs for me fitting the kitchen doing the loft floor with velux windows and fitting doors throut the house few other jobs hell be there for 8-10days i think should be very close to finished once hes out :]