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Diary Mortgage Free Road To Change My Life

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Comments

  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Ali-OK wrote: »
    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:


    Well we agreed a price on a few jobs
    fit kitchen inc floor and tiles all plumbing oven ect ect hang 7 doors loft floor and a new window sill in the conservatory

    the mosaic stone is on the walls today and the floor is layed out so tomorrow the floor will be done and then i can have a good look at whats left to do

    I did have a quick word with him today and he said hell have to pop back in the evenings to finish off whats left

    i will however tell him not to bother with the loft just hang the doors and sort my sill out in conservatory he does a great job either way he wont be getting payed till its all done
    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 23k
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Quick update

    Nothing been done at the house today so i guess the house wont be finished now till end of September as what he needs to do is at least a week and bit work left and flooring aint booked till mid September now

    oh well Not much can be done when you get other people in to do stuff

    Hope everyone has a great weekend enjoy
    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 23k
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Your flooring is going to look amazing!! Long lasting so worth the extra spend. Exciting your nearly finished!!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Firegirl wrote: »
    Your flooring is going to look amazing!! Long lasting so worth the extra spend. Exciting your nearly finished!!!!

    Thanks Fire

    Was hoping end of this month Aug looks like end of September now
    when you get close you just want it all done yesterday lol
    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 23k
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Bit of a money situation update

    i ow out around 4000 for kitchen and carpenter

    now i had 5k for the house left so that leaves me with 1k which isnt enough 5k would of done it but iv got much higher spec than i thought i would :beer:

    i think around 2k will finish the house off :j:j

    still have the 15k EF this is overkill for what i need so some will be going into the house or over payment once remortgaged.

    Overall things look ok i still wanna get under that 60k mark this year tho but cant overpay while the house is beign done as i may need it :o
    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 23k
  • Watty1
    Watty1 Posts: 6,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fab renovation budget there - and higher spec under budget :j
    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 !!
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    It will be lovely - I'm scared to renovate because ive been badly burned by rip off tradesmen in the past.it can be hard to find someone reliable.
    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 scheme
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    You've come so far since buying the house, amazing work both in it and the finances :T

    Bet you can't wait for the re-mortgage.
    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 4/1/18
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Thanks guys :] im lucky really to be in a good situation now so try to manage it without over stretching myself no point in spending all you have if you aint got back up money is my moto

    Ali im actually more excited about remortgaging than moving in haha
    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 23k
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    When are you remortgaging lucky? What product are you thinking of? I'm sure everyone is the same and dreading interest rate rises messing with our plans!!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
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