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Diary Mortgage Free Road To Change My Life

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  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    I'm would like 'proper' oak flooring (instead of this cheap laminate that's been poorly laid, by a previous owner). Before I can achieve it I need to become more minimalistic so it's not such a major job moving stuff whilst it can be fitted. I also need to save a few grand so I can afford it!
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • Thanks you :] The solid wood is great well worth the money i spent on it best thing is it will look good for years to come now so i wont have to do anything as long as i live here :]
    Is it cold in the winter or does the insulation work well?
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    tattycath wrote: »
    I'm would like 'proper' oak flooring (instead of this cheap laminate that's been poorly laid, by a previous owner). Before I can achieve it I need to become more minimalistic so it's not such a major job moving stuff whilst it can be fitted. I also need to save a few grand so I can afford it!
    Ya thats kinda why i just did it proper to start with didnt wanna faff about in months/years to come
    some laminate is really expensive to :eek:

    MrandMrstrying
    Quote:
    Originally Posted by Luckyinlife View Post
    Thanks you :] The solid wood is great well worth the money i spent on it best thing is it will look good for years to come now so i wont have to do anything as long as i live here :]
    Is it cold in the winter or does the insulation work well?

    Ya i have that silver foil stuff under mine its not to bad but not warm but im saying this when its cold not as cold as the stone floor in the kitchen haha nowhere near lol
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • The oak flooring sounds great. I love oak and have quite a bit of oak furniture which will last years and years. I definitely agree that it is worth spending a bit more for better quality as it can be false economy in the long run. I'm amazed you've saved money buying a car - I always find them such money pits!!! Although fuel economy in our current car is fab so maybe I shouldn't tar them all with the same brush.
  • Firegirl wrote: »
    Lucky has some motivation that's for sure!!!! I reckon he'll have a portfolio of houses by the time he's done!

    I reckon we'll be seeing him on Homes Under the Hammer in a few years!

    MGx
    :jMortgage free 08.08.19 :j
    2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - mortgage neutral 23.07.18

  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Ohh MG I love that show have to stop watching it tho gives me to many ideas lol

    Interesting Delivery from amazon today Ordered a few bits yesterday
    white board big 1 keep me more organised
    pens
    door bell
    few bits for DS

    Anyway i was expecting royal mail or some other company to deliver it and it seems as tho amazon have they own drivers delving the stuff now
    i found this interesting anyway haha

    Looks like the garage idea wont be going ahead now as much as id like it done i just dont need to spend 8k/10k right now.
    This kind of upsets me a little but i have to be sensible.

    So will have a look At finances tonight see what i can do

    Having a big clean today put some stuff away
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • I love it too - would love to have the knowledge that some of the buyers have. I can decorate but that's about it, so that's my HUtH future down the pan. :o

    Shame about the garage - wonder if you could set yourself a challenge budget to get it done within?

    MGx
    :jMortgage free 08.08.19 :j
    2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - mortgage neutral 23.07.18

  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Ohh MG I love that show have to stop watching it tho gives me to many ideas lol

    How do you think I bought mine :DCameras weren't there though, but were there when my brother bought his doer upper :eek:

    Interesting Delivery from amazon today Ordered a few bits yesterday
    white board big 1 keep me more organised
    pens
    door bell
    few bits for DS

    Doorbell - off to look :)

    Anyway i was expecting royal mail or some other company to deliver it and it seems as tho amazon have they own drivers delving the stuff now
    i found this interesting anyway haha

    Looks like the garage idea wont be going ahead now as much as id like it done i just dont need to spend 8k/10k right now.
    This kind of upsets me a little but i have to be sensible.

    Better to be sensible than skint, do it in stages at your own pace, with climate warming, you'll hardly need it :rotfl: Canopy anyone, oops mean canapes :DJust remember how far you have come in so little time:A

    So will have a look At finances tonight see what i can do

    :cool:

    Having a big clean today put some stuff away

    Hope its not clothes, never heard of "Ne'er cast a clout till May's oot"
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    MG ya i could do a lot myself but its time aint got the time to put into it really this year like i did with the house last year

    AFK- I know thanks for the kind words i guess with these houses it takes years to get stuff done so just have to keep that in mind

    Did you find a door bell hehe i have a porch at the front with a door to get into the porch from the house and if its shut i cant hear nothing so i got a door bell with 2 plug in chimers i can put up stairs and out back
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    So i checked out my plans

    Get front drive sorted budget 1k 22sq meter patch
    Another 1k for smaller work to garden over the summer

    So iv decided with put
    15k into various savings :) i look at this as i only use it if worst case happens lose job income stops ect

    Over payed £1007 on mortgage today which should leave me with around 62600ish after my normal payment comes off this month :T:T:T

    and 4k will be for some garden work and short term emergency funds
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
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