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Diary Mortgage Free Road To Change My Life

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  • edinburgher
    edinburgher Posts: 13,907 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Haha - I think we could discuss insulation all day mate :D

    Luckily our new house has a partition, the first property that I have stayed in for 7+ years that did!
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Haha - I think we could discuss insulation all day mate :D

    Luckily our new house has a partition, the first property that I have stayed in for 7+ years that did!

    Haha this is true

    Oh nice mine isnt that big perfect for what i need tho and it frees up the 3rd bedroom if anyone ever needs to stay over or maby a games room haha :cool:
    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
    Well i haven't heard of the solicitor about the remortgage this week :[

    Attic is now fully insulated and plaster boarded ready to be plastered Sunday/Monday/Tuesday
    Im having a few days off off now as iv been juggling work and the house all this week haven't stopped

    Nights are closing in now to really quick i hate it when the clocks go back who ever thought that was a good idea was so wrong haha

    Have a good weekend guys
    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
  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
    1,000 Posts Combo Breaker
    Hi Lucky, I've just caught up with your diary and have to tell you how impressed I am - you're doing amazingly well, both on the renovations and the EF! Do you have a target MF date?
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Hi Lucky, I've just caught up with your diary and have to tell you how impressed I am - you're doing amazingly well, both on the renovations and the EF! Do you have a target MF date?

    Thank you for takeing the time out to catch up :] means a lot

    Mf date don't really have a date as such in mind ideally 10years or less im 28 now just turned so to be mf by 40 is the main target

    As im self employed i dont have a fixed income so its hard to tell 2-3 years down the road what ill be earning/doing

    the 2 year plan for now is to overpay the 10% im allowed
    6700 in first year
    and around 6000 in the 2nd year then i can see what i got saved where i am in 2 years time

    i should ow around 50k then at this stage

    Once iv furnished the house next month ill sit down tho and have a good look at things :j
    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
    Oh how exciting would it be to get to the 50k mark!!!
    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
  • Hi Lucky,

    Thought I would drop in and say hello :wave: I love the wood floor - it looks gorgeous! I think having wooden floors always makes a room look so much warmer and real wood has such character.

    Fingers crossed that the remortgage gets sorted soon as that interest rate drop will be a massive help.

    You are doing amazingly well! :T Have a great rest of the weekend.

    Walrus
    Current mortgage as at start of diary 14.08.15 - £245,990.00
    Mortgage balance as at 04.01.20 - £123905.51
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    50k is my 2 year target first target 65k agine haha :]

    Thanks walruss :] ya iv always had carpet when iv lived all my life and my hall is big enough to get away with it so may as well :]

    Quick update

    Started plastering the attic got big wall done and 2 roof parts / hoping to finish by Tuesday really

    ebay sales for this weekend where £45

    This will be used to buy some bits i need for the house but the bits that sold where in the shed doing nothing

    I official only have next week to finish the paiting/glossing off before the floor comes
    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
  • Hi Lucky,

    Just popping in to say thanks - you've saved me a fiver - I normally buy magazines at the weekend but I've sat and read your diary instead :D

    Well done on the house renovation - puts me to shame - I've been in a year and decorated nothing, need to get on it :)

    Hope you hear about your mortgage this week,

    sellop
  • Hi Lil
    Me too, just caught up with your diary, loving the floors, windows and loft pics, keep them coming,

    You're getting there very quickly so will be finished in no time, just before the clocks go back, then it'll be time to sit with your feet up, nice and cosy, with a nice glass of something in your hand. Perfect.:beer:


    Keep up the good work.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
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