Diary Mortgage Free Road To Change My Life

Luckyinlife

Hey guys Ya iv had mine now week and half Also bought my mum one then my sister got one lol.
I used my phone for ages a year maby but i leave it in car/house when out back or so was only picking up 60% of my day really Defiantly helps me worth every penny :]

Luckyinlife

Quick update from me

Not much happening really just work and life really

Iv got my first proper gas/Electric bill of close to £400 from end of jan till end of April 3 months so roughly £15 on gas and £15 on electric a week in the winter months this will be less im guessing now in the lighter warmer months of the year

I have a 3 bed semi and work from home so am home a lot as you know so least this gives me an amount to budget each month for it for now i have nothing really to judge this aginest so dunno if its normal amount or not ?

Worked out all my main bills per month come to
mortgage/counsil tax/accountant/Mobil phone/water/gas/electric/car insurance/Gym/dentist/internet and tv phone
comes to around £700 which pleases me mad to think half of that is my mortgage grrrr

Will update my mortgage total now once normal payment comes out next :]

Ali-OK

Hi Lil,

Whether your energy usage/cost is the norm, can really only compare by the units used. I'd have a g00gle or similar to find the average for your house size and see how you stack up against it.

I know Br!tish Gas had a good little tool when I was with them so you could input headcount, house size etc and it'd give you the average in your area and a comparison.

My gas was 7 for that period and elec 9 units (per day) but differences like number of rads, size of house, insulation and an energy hungry DS all make it a bit tricky.

Well done on your big £1k+ OP by the way - not far off those 50s now

Luckyinlife

Thanks ali, Thats a great idea
Off i go to have a look see what the rough average is.
Seems as tho
Electric im just over average by £50 And Gas im under average by £70
Considering i work from home this isn't bad at all over a 3 month period at all really.

Thanks im hoping to chip away at it now till x-mas and get it into the 50s ready for next year :]

Luckyinlife

Payed gas and electric today £400 So an expensive start to the month

Mortgage should be under 62.5k once normal payment comes out in the next few days will update whooooo will update once its done

Work has been slow last 2/3 weeks so need to manage money a bit better to keep ontop of stuff.

Been on a diet/gym last month or so as well and lost 15lb which with this fitbit tracker i got im not massively overweight but thought id challenge myself physically to lose 30lb to get a low body fat %

selloptape

Wow 15lb in a month is amazing, well done! I'm tempted to get one now

A_Frayed_Knot

Luckyinlife wrote: »

Been on a diet/gym last month or so as well and lost 15lb which with this fitbit tracker i got im not massively overweight but thought id challenge myself physically to lose 30lb to get a low body fat %

I agree, totally amazing. :T Well done. That to me is much harder to do, than o/p the mortgage


Need to get to grips with the "health thing" myself.

Luckyinlife

Thanks guys i find the the dieting is the hardest part really but once you been going a few weeks and see results you stick to it more i love a challenge anyway gets me out of the house after doing some work to so bonus

Luckyinlife

Update Time

Mortgage Balance now At £ 62,396.20:j:j Wont be much overpaying this month if any due to extra bills and work being slow But i should be able to get this under 60k this year which is my main aim

Interest per month is at £125 which isnt to bad :cool:

Lush day here so going to get out for a few hours

A_Frayed_Knot

:j Your getting closer to your target of under the £60,000