Diary Mortgage Free Road To Change My Life

Luckyinlife

selloptape wrote: »

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

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

That is very kind thank you :] make sure you OP the fiver hehe :]

Thanks for the nice words as well things are easier when your not liveing there still hard all the same and stressful at times

Frayed Knot 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.


Keep up the good work.

Thanks FF :]

Ya this clocks go back idea is a poor choice i hate it lol

hopefully a glass of red yummy :]

Update Time

Attic is finished done :]

Well its took me 3 days working around 8-10 hours flat out to finish off all the plastering took me another 3 days to do the insulation and stud walls not bad really

Just need to let it dry now and paint it which wont take to long

Next is gloss the banister/stairs and 7 doors i hate glossing with a passion tho

i got 3 days free this week now so wish me luck if i have to work till late

Luckyinlife

Update

Remortgage has gone thro and to my surprise it is now online as well (really happy)

New balance now is £67295 after paying the 2k fees on the old one to get out but

This new mortgage is £298 a month the old mort £442 Of which is 340 is interest at 6.4% on 65k

my new deal will be
£298 of which £135 is interest at 2.4% on 67k

So more will be coming off the mortgage on the normal payments and i can overpay 10% a year if i can

what this means for my EF i like to have around 2 years of mortgage payments

So £7100 is 2 years payments which with my current EF leaves me at 10k more than i need
Of course i need to pay more than just the mortgage so the Ef will always stand at a min 10k

Anyway i could look at the account all day haha im off back to glossing anyone want to help me i hate glossing lol

edinburgher

Even the memory of the smell of gloss makes me feel queasy! :rotfl:

A_Frayed_Knot

Great news on your new mortgage figures,:j how long is it for? you can always pay a lump at the end of the fixed to get it down, that's what I tried to do before starting my new mortgage in Sept.

As long as the prep work is done, I don't mind glossing, I'm one of those mad folk who find glossing and small jobs plastering, or even easyfilling(love that) so calming, but don't ask me to prep - hate it. You stay where? ........... Oh, that's a shame you stay too far away:D

Ali-OK

Excellent news on the mortgage :j:j

Hope glossing gone well - got some shed panels for you next :rotfl:

Luckyinlife

edinburgher wrote: »

Even the memory of the smell of gloss makes me feel queasy! :rotfl:

Haha i know i did buy doors that looked like they where painted but on delivery i found out the painting was an extra £40 a door so i thought ill suffer and paint them haha
Next time solid wood fact lol

A Frayed Knot Great news on your new mortgage figures, how long is it for? you can always pay a lump at the end of the fixed to get it down, that's what I tried to do before starting my new mortgage in Sept.

As long as the prep work is done, I don't mind glossing, I'm one of those mad folk who find glossing and small jobs plastering, or even easyfilling(love that) so calming, but don't ask me to prep - hate it. You stay where? ........... Oh, that's a shame you stay too far away

The mortgage is for 25 years but im hoping i can bring this down to 10 i can pay 10% these first 2 years i will keep overpaying if and when i can mainly to keep me motivated and see it falling down

How did you get on in sept AFK ? How much you manage to pay

Ya i did the prep work the other week i dont mind it really just boring after 7 doors haha

Ali-OK Excellent news on the mortgage

Hope glossing gone well - got some shed panels for you next

Thanks Ali :] Glossing went well lol for shed panels i would buy a spray gun much more fun haha :] book me in for aug 2016

Got all the doors done today

and the oak floor got delivered looks lush :]

Firegirl

How's your aim for mortgage freedom going?

Luckyinlife

Firegirl wrote: »

How's your aim for mortgage freedom going?

Hey fire hope your well

Iv just remortgaged so now ow 67k agine hopefully i can get this back down to 65k after x-mas

Furnishing a house could be pricey hehe

Luckyinlife

Just bought a Condenser Tumble Dryer 8kg from AO Ebay

Was up for £185 got a coupon worth £37 off so £148

Had £65 in paypal from eBay sales So only £82 out of account :]

Still need to find a good deal on fridge freezer and washing machine 2 expensive items need more ebay items haha

A_Frayed_Knot

Well done on the saving for your tumble dryer:j. I used the code too. Saved £37.55 I have pm'd you.

I bought my fridge freezer from the bay, one early am was just browsing and caught my eye - it was brand new
BIN price or "make an offer" £20.00 couldn't believe someone had actually made an offer - cheeky, well I bought it, when it was collected - the seller said they had meant to start the bidding at £20.00 - when I heard that, felt so sorry for them:o. But just shows there are honourable people out there. So there is bargains to be had.

I didn't o/p much in Sept as I used all resources to o/p August:( before I went into new deal, just wish I had thought of using my ef then, but only thought of it after my new deal went through.

Still listing on the bay - have lots to kondo, but it does take a lot of time. Strangely enough yesterday was the first day in the last few weeks I didn't sell any items. Hopefully will get better - next week is pay day for a lot of folk.

How long to you move in, must be very soon now. How exciting.:j