Diary Mortgage Free Road To Change My Life

Kaiser888

Hey Lucky , Your pad sounds like its fit for a king ! Shaping up to be a bit of a refined playboys retreat.

Luckyinlife

888 thanks :]

Been busy last 2 days with DS but managed to order

office stuff £200 new desk and storage
washing machine and fridge £489 with cashback of around £10 and a voucher of the total before 489 of £30 so happy with that
2 small oak side boards for dining room £250
1 large oak side board £200 was £380 down to 240 and then an extra 20% off :]
Tv stand - £50 was 60 but had a £10 voucher

So saved around £120 or so off the face value of stuff :] so anything i save like this i will overpay once the house more or less done

Just the bedrooms to get few bits for now and ill be sorted

Luckyinlife

Just bought a fireplace for the dining room I was going to wait for this as its not an essential but the one i liked was £280 managed to get it today for £203 inc delivery After a 10% discount and cashback it was up for £240

so technically a £ 37 saving :beer:

I do want a solid oak one for the living room but they are so expensive but that can wait and will have to wait haha

mortgage_girl

Luckyinlife wrote: »

Just bought a fireplace for the dining room I was going to wait for this as its not an essential but the one i liked was £280 managed to get it today for £203 inc delivery After a 10% discount and cashback it was up for £240

so technically a £ 37 saving :beer:

Wow, that's a fab saving. Well done! :T:T:T

MGx

A_Frayed_Knot

You've been busy, just wait till its all delivered:j then you'll be able to sit down, rest and:beer:

you're nearly there, now.

Luckyinlife

mortgage_girl wrote: »

Wow, that's a fab saving. Well done! :T:T:T

MGx

Thank you :] all the savings i make will be a OP once all the big stuff is bought :]

Luckyinlife

Thanks AFK :]

Quick update from me

First mortgage payment has come out on the remortgage Not come off the balance yet tho

Currys where 4 hours early today :] fridge freezer +washing machine

Argos was 3 hours late haha 2 small sideboards for dining room

Quick question about mortgage over payments

my rate is now 2.44 % average around 3% on my 15k EF

Question is after the 20% tax would my interest be higher than mortgage ?

Luckyinlife

Some bedroom furniture bought for me and DS

£341 paid after saving massive £83 + 2% cashback

So All the big furniture is ordered now Bar a few things ill get after im in

Spent a total of £1754 on the bigger stuff i needed
Budget was £2000 so saved myself £246 This will be used for stuff as you can imagine but not big things

Saved from face value with voucher codes £240 :eek: + £25 in vouchers to spend

Plan now is
Wait for delivery's i got 7 this week so if they all go well it will be a miracle wish me luck haha

Hopefully now i can stop spending so much and start planing to OP save invest :]

Ali-OK

Going great guns and excellent savings on those purchases.

On the 2.44% mortgage rate vs. 3% gross savings rate... at the moment after tax (20%) savings rate comes down to 2.4%, so it's 0.04% higher interest on the mortgage.

But, April next year, I believe savings can earn up to £1,000 interest tax free so you could get the full 3% if it's under that figure (total interest across all savings I believe). Have a search here on MSE as there are articles on it .

A_Frayed_Knot

Are you telepathic or what as i'm typing - asking what you have to buy next on my diary, your busy typing the answer on your diary.