Diary Mortgage Free Road To Change My Life

shangaijimmy

Great raffle prize. if i win its always something i end up donating back!

Luckyinlife

Ali-OK wrote: »

Great win on the raffle and a perfect treat day with DS.

Pleased with the fireplace?

Blinds sound fab, those finishing touches will make a cosy difference - get those candles out

Thanks ali The play center we go to ever 2-3 weeks anyway every time we pass it DS says daddy can we go in there today haha

Fireplace is perfect looks really nice with the log burning on and kicks out some nice heat for what it is :] so well chuffed

Ya once the blinds are in i can sleep there then without worrying about having the light on at night and people watching me haha

Thanks Shang :] I don't give anything back i normally use what i win wooo hehe

3 more x-mas presents bought this morning :T:T

lippy1923

Well done on the raffle. I'm with SJ- It's always something I end up donating :rotfl:

shangaijimmy

and to add to the raffle discussion - school had a christmas shopping evening and we won...nothing!

Luckyinlife

Quick update

Its so nice to log onto my bank account and see the mortgage at 65k it was fraction over 67k when i remortgaged a month or so ago woooo

Need to rent a van for 1 day next week ideally Monday or weds so ill sort that tonight to move over about 2 loads of my stuff

Such a wet and windy day here im just at mams house sorting the spare room out which is going to take some time

Firegirl

Yay 65k- great start to your journey. Well done!

Luckyinlife

Morning My Friends

Got 12 items coming from Argos today at 10-12am
Nothing to exciting really ordered at 12 last night for £4 delivery and got 2.50 cashback

Much easier than going to town paying £2 to park the car + £2/3 fuel and carrying 12 things to the car looking like hulk haha

Anyway looked at my mortgage this morning and the interest has been apply of £186.55 I guess this is for the month interest is it ?
So should i expect this interest amount to be less as the months go on ?

Also woke up this morning and 2 items sold on ebay for 9,99 each so thats £13 or so in the Paypal after fees and postage ill just use this money to buy more stuff for the house woooo

lippy1923

Good idea to get them delivered. Saves you the hassle and you did it in a very money saving way

Can't really help on the mortgage interest. Is your interest calculated on a monthly basis then? I would assume it will be less as the months go on if that's the case.

Yay for ebay sales

edinburgher

Mortgages are amortising, so each month you have one a higher proportion of your payment goes towards capital and a lower proportion towards interest. Unless you OP, the process can be painfully slow!

Well done on the 12 parcels, we were horrified with our 9 from yesterday.

Luckyinlife

Lippy Thanks :] ya the ebay stuff was things i picked up cheap earlier in the year so should sell well over the next week or 2

Thanks ED as long as i average £300 OP a month ill be on target :]

The parcels are crazy im stuck in 1 house waiting for them so i can go over the other house i must have at least 20-25 things this week coming x-mas and new house stuff

Soft close toilet seat anyway haha