Diary Mortgage Free Road To Change My Life

A_Frayed_Knot

Hi LuckyinLife, what have you been up to the last 23 days ??

A_Frayed_Knot

Just noticed you have another badge - 1 year anniversary since staring your MF journey :beer:

Luckyinlife

Hey Guys sorry i been A wall i have popped in but haven't had time to update or read people blogs properly

January Update
Managed to OP £167.94 Which is half of my £300 target but i can make this up as my OP limit a year is 6k

Feb update
so far I OP £280 yesterday which should be off by the weekend :] made up from a saver account matured interest of £88 and few other smaller bits and a top up by me

Mortgage sits at 64,511.89 before this months OP so im hoping to be in the 63ks next month :]

Main plan this year is to get into the 50ks im in my fixed term for still for 2 years just under so no rush really

Emergency fund is sitting around 20k which dont work as hard as it can but its quick access im looking into this as only 5k is ties up in a 4% account currently

yesterday i missed 5 parcels haha so am in working waiting around for them today

I hope you guys been well off i go to update my sig

Luckyinlife

A_Frayed_Knot wrote: »

Just noticed you have another badge - 1 year anniversary since staring your MF journey :beer:

Thanks AFK off to your diary i go :] :j:j hope your ok

A_Frayed_Knot

Hi Lil, hope everything is well with you, haven't read your update yet as rushing out to post a parcel for the bay - first one in ages.

Be in touch when I get back in. Bye for now.

A_Frayed_Knot

You have plenty of time to o/p before your fix ends, but just remember that for every £1 you o/p now - you'll not be charged interest on that, ever again and if you don't have your EF working as hard as it should be, you'll not be saving that much more/less, although I understand you want a backdrop - justincase
You still buying - waiting for parcels ???


I don't have that much time to post now i'm back at work, although i'm off this week as it would be a fine chance if I managed to log in and have 10 mins to myself at work

A_Frayed_Knot

Hi Lil

Nudge, nudge ..... its now March,


What have you been up to, recently, your very quiet - busy making £££'s I hope:)

Luckyinlife

Hehe thanks AFK i feel like a right rebel

So for feb i managed to OP a total of £282 Mortgage sits at £64,056.40 after normal payment came out start of this month
If work is good now till july/aug this year i may pay off a lump 3/4k but having the 20k EF which is really 15k as i wanna build a garage/shed/sort garden out

My main aim is to get under 60k this year :]

House news
iv had 2 skips here taken down 2 shed old coal shed and a 3m by 3m shed attached to it (hardwork) also have a driveway with a big 5mx4m area of chipping which i put in the skip and will concrete to make it much easier to look after and more usefull to me

got a mate helping out so nice to have a hand for a few days a week

had 2 quotes for the garage i want 1 one 7k 1 was 10k so it looks like this is on hold for now antill i clear the area and get some sort of plan in action

people charge so much and im lucky i can try to do most things myself just a time issue mainly i will have it finished by june tho wish me luck hehe

tattycath

Good luck Lil!

Luckyinlife

Thanks cath Ill need it haha :]