Diary Mortgage Free Road To Change My Life

Firegirl

Good idea!!!:rotfl: lucky we get on so well!!! And it was the whole reason to get a house with a spare room!!! I've been in the new house a year now and have had 6 weeks worth of visitors from home!!!! Yay!!!

Luckyinlife

Do you live far from your family then ?
so they are the reason you got a 240k mortgage charge them half the mortgage haha thats really nice wish my family could do the same but with work and beging so busy we never get time like that together we live close tho so see each other weekly :]

Firegirl

Yes, were Edinburgh and they are all in Ireland. I think if you live close it can be harder to get quality time organised.

Luckyinlife

I see defiantly worth satying over then :]

Quick update
My council tax will be £60 a month when im not living there boooooooo
and the water per year is £507 but i can get a month or 2 free i think as i wont be there a lot next month but hay well see

Iv done a quick tally up and my monthly outgoing is going to be roughly £700 this is for most things exc food and fuel and internet so monthly costs will be around 1k mark all in maby a touch over

so i need to up my emergency savings to 12k which will be a full year fall back plan but i wont be able to do this till the house is finished 12k is more than i actually need but id rather be safe than sorry.

I guess this isnt a lot as i read some people mortgage is this but for me its a lot iv had 27 years of having bills under £200 a month and now boom lol but its life and love a challenge :]

Firegirl

Once everything settles down a bit you'll be able to figure out the def cost of all your bills. I have an account only for bills and money I put in there monthly covers all bills. The amounts don't change much each year so I can pretty much leave that account ticking along without doing anything, and focus on curbing my spending! Lol

Council tax in edinburgh is really high!!!! I try not to think about it to much. I did manage to get put down a band after we moved in and got the valuation lot to reassess the whole street cause the new build houses were banded wrong!!!! They don't often move us down so I was well chuffed!!

Luckyinlife

Thanks sque ill defiantly sort something like that out once im in the house :]

great work getting the band changed :]

Today's plans

See accountant at 1030 need to sort out last years tax see how much i ow them boooooooooooooooooooooo lol
Pop into tescos or morrisons get some stuff to make a stew which will be for today's food and tomorrows :]

Then get back to work after the stew is on

Luckyinlife

So today i been at the house stripping some covering down from the hall kitchen and upstairs hall way been to the tip as well got rid of loads this morning.

Waiting around now for the plumber if he even turns up ???????? to cap off 2 fire places and have a chat about the boiler situation

I also had around £900 in some bond £300 in some risky bonds which are up 10% since i bought them ill keep the risky ones as they could go up double

and had £600 in some safe bonds which don't go up buy much at all for years. so i have cashed out to make a over payment later this month

that £600 will knock off £2300 and 7 months off the term i will however find a bit more that may be laying around the house to up this slightly ill let you know what i can find :] i have money jars ill have to count them lol

Firegirl

7 months off and what a savings..... That's brilliant!

Look forward to hearing what you gather in your money jars!!!

Luckyinlife

Thanks sque iv got 1 big jar to count so will see how much is in there.

Ya 7 months :] i think 1.1k is a year of the term but i dunno if that's possible or not till i get payed

The plumber let me down yesterday needed 2 fireplaces capped off and to talk about boiler but he never showed up that's the 2nd one now unreal grrr no wonder i hate asking anyone to do anything

Firegirl

Hope you get it sorted soon!!!! Very annoying!!!