Diary Mortgage Free Road To Change My Life

Luckyinlife

Thanks Cream Tea for the support :]

Quick update
2 of my eBay items look like they will sell for £80+ :]
No news on the searches yet

As its nearly end of the tax year for me i have put aside all my tax money for 2014/2015 maby put them into premium bonds so doing this now means next month i can keep the whole amount of marches money :]

Im kinda hooked on looking at stuff for the the new house like flooring and kitchens haha im going to give myself a strick budget once i get the keys and do my best to stick to it i love a challenge :]

SavingRaven

Tax year is such a pain isn't it LIL - it's good that you have the cash to the side though, I know someone who just spends everything and then hopes they have enough to pay the bill - crazy!

Exciting times looking at stuff for your new house - make sure you use Quidco if buying building supplies etc as there are a few big DIY names on there.

Let us know what sort of decorating you're planning - I love hearing about what people are doing with their homes
SR x

Luckyinlife

SavingRaven wrote: »

Tax year is such a pain isn't it LIL - it's good that you have the cash to the side though, I know someone who just spends everything and then hopes they have enough to pay the bill - crazy!

Exciting times looking at stuff for your new house - make sure you use Quidco if buying building supplies etc as there are a few big DIY names on there.

Let us know what sort of decorating you're planning - I love hearing about what people are doing with their homes
SR x

Thanks
Ya the tax and National insurance Has to be saved for without fail once you got it you can make it work for you for 8-10 months then pay your bill when needs be. :]

Ya thats a good tip i shall look into it :] Im unsure exactly how much work im going to do till i get there and spend a few hours cleaning the place but in my mind so far its

kitchen
bathroom
flooring
doors
maby a boiler
Generally strip and paint so as you can imagine look at new stuff hourly lol :A

Luckyinlife

Weekend update :]
I got my deed to sign today no date of completion on it tho so i guess they are waiting for the vendors to confirm a date ?

My ebay items sold for £124 much more than i thought so my paypal balance should be around £350 now after fees and postage
Which is nearly 1 months mortgage payment :j

Im also going to receive 1k cash back on my mortgage which is great which is 2 months mortgage payments just nice to be able to chuck that back at the mortgage and have 2 months free :]
Ill get that on after completion tho :beer:

Iv got a few bits to list on ebay this weekend now and see if i can get some more cash in the pot :T

jodles16

Hello! Thought I would pop over and have a nosy at your diary! You are doing very well with the Ebay stuff and it must feel great to know you can start cracking on with the refurb with the 10k, I love to look on Pinterest for inspiration and ideas I can be on it for hours!

Best of luck!

Jodles

Firegirl

You're doing well luckyinlife!!! Great start!!!

Luckyinlife

jodles16 wrote: »

Hello! Thought I would pop over and have a nosy at your diary! You are doing very well with the Ebay stuff and it must feel great to know you can start cracking on with the refurb with the 10k, I love to look on Pinterest for inspiration and ideas I can be on it for hours!

Best of luck!

Jodles

Thanks for stopping by jodles :] ya i so like the feeling knowing i have 10k spare with a 6k emergency fund but im still going to try to spend less than 8k if i can as i really need a emergency fund of 10k to feel relaxed. i have also opened a pinterest account hehe its great loads of great ideas for when i get in :]

Luckyinlife

Sque wrote: »

You're doing well luckyinlife!!! Great start!!!

Thanks sue i hope your weekend was great :]

So iv listed 2 more things on eBay this weekend i have more but was really busy yesterday

This morning iv wrapped and sent off 2 ebay items iv also sent my deed off spoke to the solicitor this morning and i have to have house insurance in place when i know an exchange date let the bills commence lol :j

I found building and contents insurance for £120 tho so not to bad really but then agine i don't know much about house insurance

I got a £168 refund from the tax of my old car as well last week so this will cover the house insurance :beer:

Im also been looking at new pcs for work this wont come out of the house fund but still find myself trying to get a cheaper one to put more money into the house fund come end of next month grrrr decisions decisions

5erge

I read you are using your fathers car for now but I was in a similar situation to you.

I was driving round in a VW Tiguan for 18 monhs before I decided enough is enough, it's a nice car n' all but I'd rather have the money. Sold it for 18.5k, cashe dthe rest and purchased a 1k Mercedes 190d with 113k on the clock.

Okay, this really was extreme but I ran it on waste vegtable oil for 4 years, putting a further 110k on the clock before deciding to sell it for something newer. I sold the old Merc for 1k with 223k on the clock

I then purchased a £2000 BMW Touring Diesel with 148k on the clock and I've been running round in that ever since (now at 163k) this is a vast improvement on the Merc in terms of performance. Do I miss the Tiguan? Nope...if you aim to spend between 2-3k you can pick up some real bargains.

Des

Luckyinlife

5erge wrote: »

I read you are using your fathers car for now but I was in a similar situation to you.

I was driving round in a VW Tiguan for 18 monhs before I decided enough is enough, it's a nice car n' all but I'd rather have the money. Sold it for 18.5k, cashe dthe rest and purchased a 1k Mercedes 190d with 113k on the clock.

Okay, this really was extreme but I ran it on waste vegtable oil for 4 years, putting a further 110k on the clock before deciding to sell it for something newer. I sold the old Merc for 1k with 223k on the clock

I then purchased a £2000 BMW Touring Diesel with 148k on the clock and I've been running round in that ever since (now at 163k) this is a vast improvement on the Merc in terms of performance. Do I miss the Tiguan? Nope...if you aim to spend between 2-3k you can pick up some real bargains.

Des

Hey there des thanks for popping in actually very similar situations my car was a audi tts on a 2011 plate hold they value well in todays market aournd 18-22k for 2010-2011 plates and mine was mega low mileage of 28k

As you say extreme change i am now driving my old mans puegot partner disabled van on a 08 plate its nice enough i worked it out and yearly i save myself at least 2.5-3k not having a car :]

As i say i will keep the money for now and when i do finally move out i will get myself a car but i kinda enjoy putting in £20 of fuel and getting 200+miles

Im a sucker for cars tho always have been lol :rotfl: