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Diary Mortgage Free Road To Change My Life

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  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Savings are looking good lucky.
    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
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Ali-OK wrote: »
    You could transfer your ISA to a better paying one - I've got a 1.61% Cash ISA with Post Office - just £600 odd sitting there, but it's double what you're getting at the moment on a fair chunk of money.

    Once I get architects bill, what's left in my measly 0.75% Lloyds account which is currently £3,250 (Reg Saver finished then converted) will get split to ISA and likely FC.

    It is nice and easy to move between accounts at the same bank though - guess they depend on our inertia in their own money making :)

    Ya the plan is to move it all around now once iv stopped on the house so next month i can sit down and open accounts with an amount i know i can put away :]

    Ya FC is defiantly worth giving a go im looking long term for FC myself 5-10 years really and keep it ticking along hopefully we can do well out of it :]

    Start it up now youll love it :money:

    Fire thank you very much :] life is a lot more relaxed with savings i have to say

    Iv put 4 items on ebay if the 2 bigger items sell i should be getting £180+ which will help greatly :]

    No wins on the PB this month either first time in 4-5 months i haven't won anything grrrr just when im ready to OP haha
    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
    Ohhh no i found 3 kittens under a pallet out my back cold and wet and muddy :[

    Dried them up a bit and made them warmer and had to take them to a cat center 20 miles away 2 of them wasn't moving as much as you'd expect them to Hopefully they be ok
    1 was very lively trying to climb all over the other 2 weaker ones

    12212269_10153390955650000_1713361472_n.jpg
    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
    £150 Over payed :]

    A friend ows me £300 after i lent him £200 a few months when he was struggling bk and he payed me half just now so Straight off the mortgage
    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
  • chumpy45
    chumpy45 Posts: 495 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    I am finally up to date with your diary again. Well done on all your savings. Has spurred me into action to check out interest rates again. Have just opened a FD regular saver at 6% (we already banked with them), but needed to sort out a better rate for instant access. The Post Office ISA looks good too. Won £10 today in a local hospice lottery, so a nice little bonus :)
    Starting Mortgage 01.08.08 £171,209.24. [STRIKE]01.08.16 £42,418.93[/STRIKE]; [STRIKE]01.02.17 £36,584.00[/STRIKE]; [STRIKE]01.04.17 £34,694.7[/STRIKE]1 [STRIKE][STRIKE]09.06.17 £32,828.89 MFW Target date Sept 2017; :[/STRIKE][/STRIKE]) [STRIKE]06.08.18 £24,769.47[/STRIKE] [STRIKE]01.11.18 £23,825.00[/STRIKE] [STRIKE]22.01.19 £21,990.00[/STRIKE] [STRIKE][STRIKE]06.02.19 £21,200[/STRIKE][/STRIKE] [STRIKE]03.03.19 £19,862.93[/STRIKE][STRIKE]01.05.19 £18,509.63[/STRIKE] [STRIKE]01.08.19 £16,750.00[/STRIKE] [STRIKE]01.10.19 £15,400.00[/STRIKE] [STRIKE]01.11.19 £14,700.00[/STRIKE] 01.12.19 £13,956.00 01.02.20 £12,503.61 01.04.20 £10,999.00
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Aww how cute are those kitties. Hope they're all going to be ok, sounds like a good job you found them when you did and well done for rescuing them :)

    Love the way you find your OPs :D
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    chumpy45 wrote: »
    I am finally up to date with your diary again. Well done on all your savings. Has spurred me into action to check out interest rates again. Have just opened a FD regular saver at 6% (we already banked with them), but needed to sort out a better rate for instant access. The Post Office ISA looks good too. Won £10 today in a local hospice lottery, so a nice little bonus :)

    Thanks chumpy very kind of you to catch up its busy in here currently hehe :]

    good job on sorting a higher interest out wish i had 6% at a click of a button ya the post office isa is great well done on the win go and OP it hehe :]
    Ali-OK Aww how cute are those kitties. Hope they're all going to be ok, sounds like a good job you found them when you did and well done for rescuing them

    Love the way you find your OPs

    Thanks ali :] they are the kittens should be ok the cat center has 24hour staff :] noisy tho haha

    Haha ya he just messaged me to say hed sent the money i wasn't expecting it hes a good mate whos helped me out a fair few times over the years
    i didn't ask for the extra £100 but he said im having it weather i like it or not haha ill take that
    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
    Fire place been delivered really happy with that kicks out some serious heat as well :]

    Sold an item on ebay for £150 inc delivery around £110 in my pocket i guess after fees this will be OP :]

    My quid co account has £25 in it ready to be but not yet available to be sent to bank yet grrrr
    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
    £77.43 Over payed Extra income from legal and general :] Ill add all my over payments up at the end of each month see how i get on.

    No more extra income bar eBay now this month so we shall see how i get on :]

    I was shopping and in the que i was thinking when i get home i can make a OP what a sicko haha
    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
  • Watty1
    Watty1 Posts: 6,890 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I love the excitement you get making an OP :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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