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Diary Mortgage Free Road To Change My Life

1525355575887

Comments

  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Share the bill with the Wife or Husband haha :p :eek::rotfl:

    As i am single this does rule me out haha but least i get the remote hey haha :p:p

    :rotfl:

    Just you wait until your DS rules the remote...or do you plan to make him pay half ;)

    Now there's an idea... *pocket money minus half tv license cost = ooh, that's doable* :rotfl: I've already said Sky is going once he goes to Uni as I don't watch it.
    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
    Ohh you spoil DS with sky sports I love sports myself and manage without sky sports my old man has sky sports and pays for his package over £100 a month for movies ect

    Sky sports was an extra £30 i think this isnt a lot really if he watches it a lot you know so worth it if it keeps him busy we all got to have interests in life :]
    Ill keep mine at 29.99 haha

    Instead of taking money of DS ill be spending it on x-mas stuff priceless tho wouldn't change it for the world :]

    I may even treat my mortgage to x-mas pressie this year with a 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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Not the Sports bit, no...just the family package, discounted 12 month deal at £14.75 a month after negotiations :D

    Definitely treat your mortgage to an OP (and DS!) for Christmas...last year I sent the mortgage a Christmas bonus on top of an OP - not sure it'll be doable this year as new office I saw Saturday is moving forward slowly and will eat up some personal money but I'll give it a good go :)
    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
    Ohh that's great :]

    Ya All we can do is try isn't it i do enjoy trying tho makes everything lot more exciting for me 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
  • Thanks SLM :] iv always been selling on ebay for the last 10 years owned 2 shops on there in my teens

    Ordered virgin internet tv and phone £29.99 a month

    £40 instant cashback + £100 voucher for amazon :D:money:

    Looked at loads of packages this was best suited to me for my needs as i need a fast internet for work


    My Monthly outgoings iv tryed to keep at a min

    So for
    Mortgage
    Mobile
    Council tax
    Virgin tv internet phone
    car insurance
    GYM
    dentist

    All comes to £498 :j This is for direct debits

    Gas and electric will be around £50 a month i guess but i wont know till im living there they are currently less than £10 a month


    That's really cheap especially when it includes mortgage
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • MFWKid
    MFWKid Posts: 28 Forumite
    I love my sports - but I've settled with Now TV after being a long term Skysports subscriber. I got to the point where I would only pick certain games, such as big football clashes, and buy the day pass. Assuming I didn't do it too often (once a month ish) then it worked out cheaper.
    Mortgage free target: 2030
    Emergency Fund: [STRIKE]£3,000[/STRIKE]/£3,000 (Met: Nov 15)
    Mortgage LTV (Oct 15): 73.5%, Last Overpayment: £0
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    That's really cheap especially when it includes mortgage

    Ya thanks I could trim 30-40 off that without gym and cheaper car insurance but antill i build a garage im ill keep the gym
    Just try to keep it manageable so i can save/OP
    MFWKid

    I love my sports - but I've settled with Now TV after being a long term Skysports subscriber. I got to the point where I would only pick certain games, such as big football clashes, and buy the day pass. Assuming I didn't do it too often (once a month ish) then it worked out cheaper.
    Mortgage free target: 2030

    Thats great i guess i haven't had skysports now for 5 years + so what you dont have you never miss really :]

    Watching location location location tonight first time buyer couples buying 350k + property's in London so small for that kind of money its unreal
    All relevant i know but so crazy glad i live where i do
    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
    Op of £42 Out of personal spending money

    Carpet was put down in the attic today to :]
    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
  • Fireplace for the front room ordered Delivery end of this month Managed to get it on interest free for 3 months and got it for a fantastic price of £390
    Been looking at this one for the last 3 months and cheapest i found it before was £430-£450

    stanton-940.jpg

    Best thing is thats Everything bought now :beer::beer:

    Time to work pay bills OP and chill for x-mas :j: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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Very smart - like that alot and another bargain :T

    Relax and enjoy all your hard work over Christmas - you've done amazingly well :beer:
    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
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