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Diary Mortgage Free Road To Change My Life
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Gorgeous tiles..and those doors are great - got similar ones here and has made such a difference, much lighter and brighter.Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
Love the tiles, will make such a difference.
When we sold our last house, we replaced all the internal doors to sell it, couldn't believe the difference it made. We were kicking ourselves thinking why didn't we do it sooner.HOME
Original mortgage free date Nov 2037
Mortgage free August 2018
Additional properties
Mortgage 1 £108,000
Mortgage 2 £45,000
Teacher pension - DB scheme
LGPS pension - DB scheme0 -
Just checking in to say I WANT YOUR KITCHEN
:):) I bet it looks FAB!
Had a good read through your diary and you are doing an amazing job. I really wish I'd been overpaying my mortgage since the start, and especially since interest rates dropped. The value of hindsight!Deposit Fund = 9754/20,000OP Fund (2016) = 250/7000 -
diamondsonly wrote: »Hey Lucky, I love love love love the tiles. They look brilliant! its all going to look so amazing when done. xx
Thank you :] hopefully it will be a nice highish spec kitchen once finished :]Watty1 Love love love the tilesAli-OK Gorgeous tiles..and those doors are great - got similar ones here and has made such a difference, much lighter and brighter.sarahevie1 Love the tiles, will make such a difference.
When we sold our last house, we replaced all the internal doors to sell it, couldn't believe the difference it made. We were kicking ourselves thinking why didn't we do it sooner.Just checking in to say I WANT YOUR KITCHEN I bet it looks FAB!
Had a good read through your diary and you are doing an amazing job. I really wish I'd been overpaying my mortgage since the start, and especially since interest rates dropped. The value of hindsight!
Thanks for you time ya start as you mean to go on i guess i was on here way before i got my mortgage so kinda just feels normal for me :]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 23k0 -
Going to be a beautiful, bright kitchen :T.A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
Going to be a beautiful, bright kitchen :T.
Thanks GG :] i suppose a touch of quality goes a long way in life dont it :] kind words
Quick update
This is going to be an expensive week
£110 on a gas man to hook up the built in gas Hob
another £105 out on door handles and hinges for 7 doors
£215 for today
went to curry's to get a fridge/freezer washer and dryer but they couldn't match the online price with next day deliver what the hell is that about li guess its just a show room these days then order online least i saved myself £700 for today ill now wait till the kitchen is finished to order themMortgage--- [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 23k0 -
So iv been looking at the finances to get this house finished
kitchen 3.2k
flooring and tiles £780
doors + handles ect £450
carpenter £900 fit kitchen tile kitchen plumb everything up hang doors loft floor few around 6-8 days worth of work other bits and pieces
This is whats getting done this week so all in around £5200
All thats left then is flooring and carpet for upstairs 1.5kish i guess roughly
This means the bathroom will have to just be left as it is to i will however spend £100-200 on it to put a new cabinets mirror ect in it flooring ect but the suit and walls will have to stay the same this will save me 2k
so all in the whole house refurbish will cost me around the 10-11k mark could of done it for 2k less if i didn't go for a few high spec things
bought it for 88k ows me 99k i have a feeling it be worth around 105 min to maby even 115k
so money well spent i say
nice home = priceless :]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 23k0 -
I love renovating - all my houses have needed work and the investment alone makes it worthwhile - but - getting the style you want is brilliant.
Mind you we compromised a lot here - I don't really like the bathrooms much but I wanted post and rail fencing in the field and couldn't do both !Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!0 -
Ya im the same watty love to make somthing my own
i guess compromise in life is the way to get things done :]
Quick update
Kitchen is in now just few small things to be finished like handles oven needs to go in and extractor fan
so hopefully the tiling is being started today at some point
Only thing is the doors i ordered wont be here till next weds now and the carpenter is only here till Friday maby Saturday so they wont be done this week or my loft floor
so im thinking about doing the loft floor myself now as i cant wait another few weeks for things to get doneMortgage--- [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 23k0 -
Bet its starting to come together now, great stuff :j
Are you booking carpenter to come back for the downstairs doors?
Great you can do stuff yourself too, my limit is painting and picture hooks :rotfl:. I have put curtain poles up though - almost straight :rotfl:Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180
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