Diary Mortgage Free Road To Change My Life

Luckyinlife

Hi fire the house is coming along good all i need now is the
kitchen doors hung and floor down and i can start to furnish it then :]
currently still sorting the garden out but no much left now

Luckyinlife

Quick update

I managed to paint the feature walls in the dining room and living room so these room are now finished bar the floor :]

Kitchen has been delivered :] so is sitting in the living room from what i can see everything looks spot on oak surfaces are really nice doors are spot on.

they said i got 5 weeks to pay for the kitchen as well so that's good i have the cash for it but if i can wait i prefer that haha

Money news

No real change on this front

1 more normal mortgage payment down so 100-150 of the capital

15k EF

i have around 5k for house
3k for kitchen 1k more than i was going to spend because of spec but will be worth it

so 2k left for flooring ( i do want a solid wood floor for the hallway and 2 rooms downstairs and then carpet up the stairs and in the 3 bedrooms so hopefully this can come under 2k but i guess its all about what i pick


Target get it all finished by end of this month

Firegirl

Sounds like your doing great! I actually can't imagine you relaxing in your perfect home!!!!

Luckyinlife

Thanks fire will be nice once i can actually just sit down there and not be dusty and thinking of things to do all the time

Luckyinlife

Bit of money news
Had a small £25 win on premium bonds

Also had my ppi claim back and 3 loans from years ago looks like ill be getting around £400-500 back after the 20% tax i will pay this straight off the mortgage once its received i may round it upto 1k :]

diamondsonly

Wow that's great news. Do you get taxed on the PPI reclaim?

Luckyinlife

20% tax on the interest

they give you a net amount this is including any interest gained over the years

just double checked it and ill get £595 back after the tax has been taken off

Still pretty happy with this as it was only a 15min phone call to RBS and is a a massive 1% of my remaining mortgage :]

Watty1

Fab news on the premium bond win and the PPI

shangaijimmy

Luckyinlife wrote: »

Bit of money news
Had a small £25 win on premium bonds

Also had my ppi claim back and 3 loans from years ago looks like ill be getting around £400-500 back after the 20% tax i will pay this straight off the mortgage once its received i may round it upto 1k :]

These great things really help to keep things ticking along nicely. Those bonus boosts make a significant difference and really help with motivation. Needless to say i'm waiting for mine...

Luckyinlife

Watty1 wrote: »

Fab news on the premium bond win and the PPI

Thanks watty :] everything helps :j