Diary Mortgage Free Road To Change My Life

Luckyinlife

Thanks SSS your right it has taken up a lot of my time last year im on it like sonic now hehe

AFK some great ideas :]
I already have 2/3 small trips planned for me and DS legoland being 1 of my favs hehe

I still need to get some quotes for the garage need to get on this

Problem with me is if i shipped 2/3k over to mortgage i couldn't get it back if i ever needed to even tho my ef would still be strong worrys me somewhat

My loft conversion isn't what you call a full conversion as it doesn't have a fixed stairs going to it That said i could put them in if i wanted to and it would be.

I reinforced the floor/floorboards/plaster boared it all out/plastered it/had 4 double sockets put in each corner/2 velux windows/ carpet its a great space now :]
cost around 2.5k all in with everything i did a lot myself tho
Mainly for work stuff so i can shut off work life from normal i still spend 40-60 hours a week up there tho haha

Op £77 to the mortgage this morning from a legal and general payment i get each month :]

A_Frayed_Knot

Luckyinlife wrote: »

Thanks SSS your right it has taken up a lot of my time last year im on it like sonic now hehe

AFK some great ideas :]
I already have 2/3 small trips planned for me and DS legoland being 1 of my favs hehe,

Been to the one in Denmark, felt like a big kid, things have came on leaps and bounds since I was there though.

Problem with me is if i shipped 2/3k over to mortgage i couldn't get it back if i ever needed to even tho my ef would still be strong worrys me somewhat


My mortgage lets me "catch up" with o/p's, so if I o/p say 6 months of mortgage, then i would be "allowed" to stop paying for 6 months so long as i tell them what i'm doing and i also have a "holiday period" built in - not sure how it works as i don't want to know about this

Op £77 to the mortgage this morning from a legal and general payment i get each month :]

Another nice o/p - what happened to the 70p though??:rotfl:puzzled ?? have a look at my total o/p for the month

Luckyinlife

Hehe i know what you mean afk :] i feel like that to :]

Ya there is something like that in my terms as well if i overpay i could miss a payment or 2 out if i ever needed in that case lets all take a year off haha

i leave the pence out lol as a £1 of that goes to my sub account 2 anyway every time i make a over-payment a £1 goes to sub account 2 but thats interest free so well leave that one there haha

Money received from Premium bonds today so thats in saving waiting for tax bill :]

Got another 15-20 things to list on ebay tomorrow or tonight

A_Frayed_Knot

That's how to get your money back if needed then, so are you going to make an o/p?

I have a sub account with no interest, but they conned me on that one when I made my 1st big o/p, they put 10% to it:eek:. They WONT be doing that again:)

Was just going through "things" to put on the bay, so far I have 5 black bags to go to the CS and about as many for the bay, but I do have items listed and not a sausage being bought:( maybe nobody likes sausages anymore:)

Luckyinlife

Hehe will just be doing my chip away OP's as normal :]

Ya they can be cheeky like that cant they crazy banks

that is a lot afk get listing :]

shangaijimmy

We have periods that nothing sells for weeks, then all of a sudden the after an item being listed on 10 occasions it sells with multiple bids. Last weekend was bizarre as 25 items sold, and the majority have been listed and relisted. I've started timing the lists to end on Friday evenings and Sunday evening with a theory that females (we have to agree that they shop far far more than males), may well be on eBay when the kids are bathed and in bed, and that they have a look search on a lazy Sunday morning. Anyway we have 93 items ending tonight, so far 3 will sell (all boys clothes varying from age 0-3 months to age 6).

Luckyinlife

Ya i normally do 30 days buy it now myself iv got 20 free auctions tho so may give that a go with some items

Car news well fuel MSE
Put £40 of diesel in got 550-600 miles which should do me for nearly 3/4weeks iv got a little book now to keep a note of of much fuel i put in so can track it better

got 28 items on eBay listed

Had a tv licence letter thro the post and thought mmm why do they keep sending me these things every 2 weeks anyway i rang them saying

I have payed this over a month ago now why are you hassling me when iv already payed ( Sir we have no record of your payment) turned out i never payed it haha i payed something but must of been gas or electric and totally forgot to get the tv licence

Anyway thats sorted no so happy happy days made me laugh as i would of but my house on i have payed it lol

Ali-OK

:eek: Good job you phoned them!

Great result on the fuel mpg...are you driving like Miss Daisy now too

Luckyinlife

Ya bit of luck really lol

Not really the car doesn't allow for enthusiastic driving even if i tried haha

shangaijimmy

They'll be calling you rotten now during the "lets laugh at customers recordings, staff training scenarios"!