Diary Mortgage Free Road To Change My Life

Luckyinlife

Thanks SSS and runders 21mpg is isn't to bad i had a v8 that did 14 haha but for daily use it is bad indeed im getting around 30 now but still need 50+ ideally sad thing is iv worked it out could save me around 1-1.5k a year in fuel alone

haven't had much time to update

But im finally settled still stuff to do but when is there never stuff to do

Put A cheque in today worth £56
And finally got round to putting in £140 in change i had bagged up

Nice to have a bit of money going into the account this week

Firegirl

You've done well resisting a car! Funny timing! My son and I watching I'm a celebrity and he asked if I would eat a spider for a sports car! Thank god that's not an option!

Luckyinlife

Oh i seen that dont think i could do it but then agine if it would change my life i guess id have to lol

Luckyinlife

Quick update

Nothing much happening on the mortgage front now a week before x-mas

Im still looking for a cheaper car to run

bought myself these from DS for me on x-mas day got them delivered to mums so i wouldn't see them haha


Need to find out what my payment on account will be next month grrrrrrrrr

Watty1

Wahoo!! You've moved in....(sorry I missed actual day)

Luckyinlife

Thanks watty :]

Quick update

Managed to swap my car got 1.5k cash my way and a 2008 plate 3k car 1.5d £30 a year to tax

Should save me around £30 a week on fuel :T

The 1.5k ill add to the EF for now making the EF now 16.5k :j:j

Its been 10 days since my last OP i need to make one today or tomorrow will see what i can do

diamondsonly

Wow LIL ive missed the move in. Congrats. Also the new car sounds like a good money saver for you.

Your EF is fab, I'd be tempted to use it on an OP so I admire how sensible you are.

Diamonds x

shangaijimmy

My money is on your giving a little Christmas present to the OP pot, rather than keeping it all for EF...!

Luckyinlife

diamondsonly Thank you :] Ya i do look at it and think dam if i payed 15k off id ow 40k which does put a smile on my face and its under 40% LTV then :]

As im self employed iv learned over the years that i need to manage my money better maby a bit over kill currently but id rather be safe than sorry :]

Shang -- I am planing an OP exactly how much is unknown yet i need to sit down later and work some figures out

Would be nice to get under 65k mark this month tho

what would you do in my situation hehe :]

A_Frayed_Knot

Hi Lil

great savings made and quick work. Hope you've got the tree up and decorated.


Think you know what I would do, I'll explain, then you'll wonder how mixed up/complex my mind works:cool:

Add the savings of the Road Tax plus the petrol saving amount each week for the year, add on the surplus of selling and buying another car = ££££. This is what I would overpay:D then ......
put away the savings each week for petrol and car tax back into your EF each week, that way it is still being topped up - ready for the next big o/p - just call me Carole V:rotfl:


Nice present you bought yourself:p just leave some pressie's on your list for Santa to bring.