We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Diary Mortgage Free Road To Change My Life
Comments
-
Fab news on the mortgage. And love the tiles.
When we renovated here I underspent on the tiles so I could fence the field - and - I do regret that. The fencing is fabulous - but I look at the tiles every day and I wish I had gone over our budget and spent more. So, your small budget overspend seems very worthwhile to meMade 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 -
Fab news on the mortgage. And love the tiles.
When we renovated here I under spent on the tiles so I could fence the field - and - I do regret that. The fencing is fabulous - but I look at the tiles every day and I wish I had gone over our budget and spent more. So, your small budget overspend seems very worthwhile to me
Thanks watty i hope you are well
Ya that's it isn't it the slightly cheaper tiles are ok but hopefully stepping things up a bit will add a bit more of the special factor.
This house will also be a home for the next 10-15 years so spending money on it now will only make it more desirable when the time comes to move on so hopefully i wont have to do much
and my compromise is not having a garage built this year hahaMortgage--- [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 -
50k in 2 years time would be fab!!!!!
What a great dent!!!! Go for it!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-£311,5000 -
50k in 2 years time would be fab!!!!!
What a great dent!!!! Go for it!
Thanks fire :]
Hopefully i can pay 6.7k off the total this year bring it down to 60k and some change but with the monthly payments im hoping it will be around 59k somthing
I havent worked it out 100% yet as im still waiting for this remortgage to go thro grrrrrr
House news
Spent another £200 on tiles for the bathroom floor :cool: This means the total spend for bathroom is now at £1200 which for the quality it is well worth the month
heres the floor tiles i went for porcelain called sandwaves
Bathroom is now being tilled new bath is in so hoping this will be finished soon next few daysMortgage--- [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 -
Love the tiles! Well done on the remortgage, :jGE 36 *MFD may 2043
MFIT-T5 #60 £136,850.30
Mortgage overpayments 2019 - £285.96
2020 Jan-£40-feb-£18.28.march-£25
Christmas savings card 2020 £20/£100
Emergency savings £100/£500
12/3/17 175lb - 06/11/2019 152lb0 -
Like your tiles- they will look great!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-£311,5000 -
Fab floor tiles Lucky - are you having matching coloured grout? I had no idea it existed until my fitter/tiler did mine (similar to yours) and is a stunning lookBack 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 -
Thanks guys :]
Hi ali The grout will be a dark grey i like the fact tiles can be seen individually when the grout is lighter than the tiles
You know you need to show me a pic of yours now hehe ;p
Still waiting for this mortgage offer grrrrrrrrrrrrrrrrrrrrMortgage--- [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 -
Update time
Waiting on this remortgage grrrr
Bathroom is tiled looking great another few days should be finished then can get to work on the loft so maby 2 weeks left before its finished
Iv upped the EF to 17k once on the new mortgage this will be 4.7 years of payments which fills me with joy
It may not stay at 17k tho as furniture is expensive haha
the house fund at 6k will take a hit of 4k next week after paying for kitchen and doors and loft materials
So lots of bits going on currently just need it all to come together sharpishMortgage--- [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 -
Still waiting to hear about this remortgage grrr
I dont know what the wait is i have rang but no answer at the bank
Had a electrician round to wire up the cooker and extractor fan and fit 3 double sockets up the attic at a cost of £300 hes at work now
This is for a office space so will be worth it
Bathroom is fully tiled now bath is in and plumbed up hopefully be finished tomorrow or Monday
then we can start boarding the attic out and get 2 velux windows inMortgage--- [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
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards