Diary Mortgage Free Road To Change My Life

edinburgher

You're a machine LIL, no idea where you find the time!

Kaiser888

Hey Lucky,

Congrats on being sub 67k !! Good luck in becoming sub 66 !!
Annoying when things cost a bit more than expected but hey they are floors for life . Good choice matey.

Luckyinlife

edinburgher wrote: »

You're a machine LIL, no idea where you find the time!

Thanks Ed just have to get on with it and do best i can :]

Kaiser888 Hey Lucky,

Congrats on being sub 67k !! Good luck in becoming sub 66 !!
Annoying when things cost a bit more than expected but hey they are floors for life . Good choice matey.

Thanks K888 :]
Hopefully i can make sub 65k by end of the year well see how much i spend on this house now

Ya its cool i have a EF for these kinds of things anyway its why i saved it and it doesnt happen every day so its not to bad :]

Back to painting for me :A

Luckyinlife

Been a busy morning

Kettle and toaster bought and a knife set in a block and copping board and a toy for DS came to £103 then i got a £10 voucher back

Not my favorite way to spend £100 but needs to be done hehe



I am very pleased as i nearly payed 100 for just the toaster and kettle a few weeks back

Put in 2 checks today

water = £40
Solicitor sent me £28

I will be making a over payment towards the end of next week once these have cleared and after the normal payment has come out keep it ticking over

work now for a hour or 2 then back to painting/preping the attic

Carpet day tomorrow

jodles16

Corr blimey LIL! Popped by as realised I hadn't checked in since Feb, you have done so much in this time! Amazing! Will pop back in but hopefully wont be so long next time! Keep up the fab work!

Jodles

Luckyinlife

thanks :]
Just trying my best :] you caught up just as im having the floors layed now

Quick update
spent the last 3-4 hours cleaning/ finishing paiting

Its now ready for the carpet tomorrow :]

However i still have the attic to paint/sand which ill do early next week now

Also got the table and chairs coming tomorrow

Got invested £300 into FC so far earning around 7% after fees currently if i can keep this over 5% over the year ill be happy enough

Runders

Luckyinlife wrote: »

Floor guy rang me said the trim i need isn't in stock now so floor will be down today but trim has to wait Typical

(i know there is no rush but just always something):mad:

I guess least the floors will be done is the main thing

Looks great tho :]

Is the trim in yet or do you have to wait a few weeks for it?

Have you done the floor roll yet? I was so excited when the first floor upstairs was finished that I actually had a little lie down on it and then rolled about in happiness...good thing the guy who did it is my friend and already knows I am a nutter!!! hehe.

Good find on those table and chairs. I actually had a look on Gumtree for a sofa last night. Found a nice little one for £75 quid, just need something to tide me over xmas and then I'll look in the sales for 'The One'. I'm going to go view it on Sunday to see if it's in as good a condition as they say, fingers crossed.

Luckyinlife

The trim isn't in yet if he don't do it today or tomorrow ill be on the phone

Floor is down the
carpet has been fitted also so the place has changed completely now :]

Time to get some work done and go furniture hunting for a hour or 2 this afternoon if i can
I want to buy stuff that will last me a long time but there will be a financial meeting with myself later haha

So this week has ben £2700 on flooring oak/carpet really expensive but 100%worth the expense looks amazing

Table and chairs have arrived as well wooo

Luckyinlife

Sofa's ordered

3x 3 seaters came in at £1100 with a £50 discount wich i will OP :]
I took them out on interest free £30 a month for 3 years can pay off in full with no charges and payments don't start till march next year

3 weeks for delivery tho

By doing this lightens the load as im paying out so much currently

Anyway Finical update is needed so here goes

House fund now is now gone after buying the table and chairs even tho the house fund was never for furniture :]

EF Still strong at 17k :]

I will be spending some of this on furnishing the house I'm hoping under 2k So i still have 15k in EF :] Thats the plan anyway

Luckyinlife

So i sat down last night and have given myself a budget of £2000 for furniture i
need

Technically i have 3 weeks before the sofas come so ill be looking at getting everything in within the next 2 weeks so need to order then this weekend really

This will leave me with 15k in the EF then i can finally start saving agine

This 15k will be spread over a few accounts 13k will be staying super safe in current accounts with interest rate of 4% or so

Ill then slowly put 1-2k into p2p lending currently £400 in there with a rate of 7.5% after fees (as long as i get over 5% ill be happy)

Any interest gained on money saved will be over payed every month :]