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Diary Mortgage Free Road To Change My Life

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Comments

  • edinburgher
    edinburgher Posts: 13,906 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Can't argue with that - thankfully our car is far too scabby for any self-respecting car thief to consider. Every new ding is another burglar alarm ;)
  • Watty1
    Watty1 Posts: 6,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    have one of those alarms that text us on the barn and just installing another on the house. Its really for peace of mind. We have cctv cameras at the back of the house too. A while back "someone" made 3 attempts on the barn being scared off once by dog and I.
    The one on the house is just for peace of mind because it is isolated here and I've never worried about it, but now, I face being alone a lot when the dreaded C takes doggy away and I don't like the thought. So, alarm being installed so I can sleep without worry. (Doggy usually sleeps upstairs with us). I think the peace of mind aspect is cool. I can set it when I am in and on own. And if I am out and coming back on own the text will at least warn me!
    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 !!
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Ed im sure its not that bad haha

    Watty totally agree once its happened to you once its always in your mind im in a public area well on the outside but still most people wont phone the police if the alarm goes off anyway so a text is a must imo

    Im sure youll be safe tho and if it ever goes off and your own your own just ring police
    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!
    A really good idea to have an alarm with text. I've got a new one in a box waiting to go up (was a birthday pressie as I like practical things :D). Dogs are a deterrent (one barked at 2.30 this morning for no good reason though :mad:) but peace of mind is everything.

    Having been burgled back in 1999 (fortunately not there at the time), it's the worst feeling in the world to feel your private, personal and supposedly safe space has been invaded, trashed, gone through, stuff taken and worst of all it takes quite a while to get over it and the sentimental stuff can never be replaced :(

    They obviously didn't like my taste in music as though all my CDs were scattered everywhere, none were missing :rotfl:

    If you've got an alarm and someone else nearby hasn't, the opportunist will go to the other house.
    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
    Thanks Ali :] ohh what kind of cds didnt they take a fancy to lol

    Least you have one ready to go up :] peace of mind is priceless

    Quick update

    Got Virgin up and running internet tv and phone :j:j:j
    £145 payed for tv licence ( i was going to overpay but i forgot about this grr):mad::mad::mad::mad:

    Bought myself a new laptop for work when i come over family's house which will be everyday so needed one

    car insurance will be renewed and is about £10 a month cheaper :cool:

    Chill day today watching the tennis :)
    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!
    :rotfl: Eclectic taste..from Talk Talk to Julia Fordham.

    Moved house 3 years after that to this one which had (still has) a fake alarm box. Can't wait to get the proper alarm up - DIY mate doing it too.

    Good saving on the car insurance and great your connected up at your house now :T
    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
    Thanks ali every little helps :]

    Wifey 27 thanks for popping in :]

    Ya it was a right nightmare before now its online i can OP online to Iv OP a fair bit this month for me over £400 i think ill have to check come end of the month and add it up

    Ya its taken me 4-5 months and over 10k to full ripped the house out re wire new kitchen bathroom plaster every room carpet wood flooring convert the attic 2 velux windows

    Its such a nice house if i had 20k i would of extended but maby thats for a when im older maby 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
    Mortgage Update

    Just Did my last OP for the month £120 this time :j:j

    In Total iv OP £609 This month :j:j:j
    This was made up from
    Interest on accounts
    Coin jar
    Friend pay me back
    Legal and general payment
    As i managed to save really well on furniture i could put spending money in OP

    my first payment was £350 this month on the 2nd as its the first payment of my remortgage so a bit more payed off than normally will be

    Balance at 1st of the month was £66599 Balance Today last OP this month is £65990 :j:j

    So saved myself about £500 in interest and knocked 3 months off the term

    Really pleased with that :beer::beer:
    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!
    Excellent OP and 3 months off :T

    You're storming 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
  • 3 months! Isn't that fabulous!
    MFW: Was: £136,000.......Now: £47,736.58......
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