Diary Mortgage Free Road To Change My Life

Luckyinlife

Thanks watty if it comes up for sale you should buy it just to get them out quick haha

Bit of a year of end update really for me so if you fancy a read :]

What a year it has been for me personally

Jan 2015
Start of the year 2015 i was in a 18k car i bought cash 6 months previous (knowing full well this was my money for my house i solt it after having it for 6 months for less than a £500 loss car was over 40k new and was mint

Anyway i used this money along with some savings to purchase my house :]

FEB 2015
Bought a semi detached with a great amount of space and potential for 88k put a 22k deposit down leaving me with roughly 67k mortgage. I was on 6.4% interest at this time

I spent the next 6-7 months doing the property up and spent close to 10-12k on a full refurbishment full rewire full plaster new kitchen new bathroom new boiler attic conversion new floor i went high end finish so spend about 3-4k more than i actually needed to

Anyway id say the house is worth at least 110k maby now due to location/spec/space ect ect But it is my home for the next 10 years + iv lived in the area all my life and really like it plus how can u put a price on happiness :]

SEPT 2015
I then remortgaged 6 months later i owed just under 65k at this stage so i had to pay the fees to get out of the old one which took me back upto 67k mortgage

Here we are in December
mortgage is around 65800 or so after some regular OPs

Along side all this iv been a single dad running around working and looking after family so its been very busy which i kinda like i guess im only 28 so no other time for it all haha

Just wanna say thanks to each and everyone whos commented give me advise or supported me along the way

Now time to work on this mortgage balance and pay the bills grrrrrr lol

mortgage_girl

Wow LiL. You have achieved so much this year, well done! I wish I had your energy. I hope you enjoy what is left of the year (and find some time to relax!) and I'm looking forward to following your journey next year.

MGx

Ali-OK

What an exciting year and so much achieved :T Extra well done with DS too - parenting is hard work, let alone single handedly and now you've the perfect pad for enjoying life together

Always enjoyed following your journey and looking forward to more of that in 2016 - here's to your new garage build

Watty1

Loved your year review.
Here is to the next 12 months

Firegirl

You love cars lucky so well done on lasting so long!!!!!

I stopped tracking my eBay sales actually- but I can probably tell by PayPal. I must have a look and see how I've done! Your doing amazing!!!

Luckyinlife

Thanks guys Just made a £675 OP to take me under the 65k mark ready for the new year :] wooooo Ill update you on the figure once the normal payment comes out :]

Your right fire i do i guess i dont drink/smoke or even go out or have any other hobbies bar fishing and car doesn't have to be expensive just fun to own/experience for me

I was talking to a friend of mine who drinks and smokes on the daily bottle of wine and he spend over 4k a year which is mind boggling lol

Thank you iv got loads to list tonight or tomorrow now around 20-30 items see how they do
Everything sells just a case of how long you have to wait i guess

edinburgher

A great year for you LIL, well done :T

I am swithering between replacing our single sectional concrete garage with a really good shed/a block garage/a proper brick built garage. As we already have the concrete base for the existing garage, I'm thinking that a like for like garage might be the way to go? What are you thinking about for yours?

Ali-OK

Fantastic OP LiL :T What a way to end the year

Glad I don't have those 'hobbies' your friend does either..that's another year off the mortgage :eek:

sarahevie1

Ali-OK wrote: »

Fantastic OP LiL :T What a way to end the year

Glad I don't have those 'hobbies' your friend does either..that's another year off the mortgage :eek:

Completely agree with this, but I probably fritter amounts away on other things, such as extra curriculars for the kids. I'm sure we all prioritise some spending others would see as unnecessary.

I worked out those are around £120 a month just on lesson costs without the obligatory uniform that lots come with.:(:o

Luckyinlife

edinburgher wrote: »

A great year for you LIL, well done :T

I am swithering between replacing our single sectional concrete garage with a really good shed/a block garage/a proper brick built garage. As we already have the concrete base for the existing garage, I'm thinking that a like for like garage might be the way to go? What are you thinking about for yours?

Thanks ED

I think you should do defiantly more appealing having a garage door on the garage/shed haha :]

All the houses in my area well the semis are dashed build in the early 80s so i will just go down the block road myself and get a friend who has a plastering company to dash it late summer if it doesn't cost to much.

I will however get a quote on the bricks just to see the difference
im building mine 30 square meters

plan is to build the shed
put 2 big gates up
then do the drive to the shed which will form half of the back which will be in a red brick same as the drive to the side and front is now

Im hoping to get on this next week now :]

Ali-OK Fantastic OP LiL What a way to end the year

Glad I don't have those 'hobbies' your friend does either..that's another year off the mortgage

Thanks ALi :] I am well chuffed with that :]

1 year down :] awsome

we all spend i guess on stuff we enjoy rightly so :]

sarahevie1
Quote:
Originally Posted by Ali-OK View Post
Fantastic OP LiL What a way to end the year

Glad I don't have those 'hobbies' your friend does either..that's another year off the mortgage
Completely agree with this, but I probably fritter amounts away on other things, such as extra curriculars for the kids. I'm sure we all prioritise some spending others would see as unnecessary.

I worked out those are around £120 a month just on lesson costs without the obligatory uniform that lots come with.

when it comes to kids most stuff is worth it isnt it :] i think we should all enjoy life as we go along :]