Had a mortgage too long - it's going, going, gone!

Brogden

Ali-OK wrote: »

So as 2015 starts to hurtle towards it's end, I wanted to get to the bottom of how much I've really OP'd since the start of 2014.

The monthly payment to pay off at end of set term was £1032.41 and I'd been using that as the ongoing minimum too. Reality is that the minimum has reduced and therefore OP's have been slightly higher. Woop :j

So a new OP to date figure (drum roll please ) £4,539.77 - an extra £349.88 on what I thought. :T

Going to enjoy updating sig

Ali, only you could bring us a late evening 'Spreadsheet Fiddling Addendum'

Fantastic stuff. It's frightening how the year goes so fast and we crash on to the year end. Fantastic that you can look back and see how much you've achieved !!

Broggers x

Ali-OK

Alex - spreadsheet fiddling is a great use of an iPad , but generally seems to be the tablet of choice for many - even King's Hospital were using them for patients to complete surveys on

Broggers - the OP figure was niggling me and 2016 sheets needed setting up, so an opportune moment to sort it out

Can't believe there's 2 years worth of stats rather than just a plan - that step of committing to sort the mortgage out and pay off the CCs in my first diary back in October 13 seems a distant memory now, but will never forget that moment I told the MSE world and how far we've all come on our shared journeys. Incredible :T

A flurry of financial activity today, as have been accepted for the T$B Classic Plus and funded it with £2k from the 0.75% savings at Ll0yds, plus £250 for the Saver which I've also opened. Just waiting on the activation code to be able to transfer that and set up the SO for it. :j. Sorted preferences all to online, so should now be set to receive the max interest - just got to put in my budget a reminder to do a monthly money shuffle in and out of it.

Busy work week too and and may pay myself early for the month on Friday. Hope everyone's had a good Monday

hiddenshadow

Ali-OK wrote: »

Sorted preferences all to online, so should now be set to receive the max interest - just got to put in my budget a reminder to do a monthly money shuffle in and out of it.

Can you not do this by SO? That's our plan (just had a flurry of account-opening ourselves to get everything onto 5%/away from S@ntander) - stagger SOs across a few days to shift money into/out of all the accounts so that they all get their required payments in (as illustrated here: http://www.moneysavingexpert.com/savings/savings-loophole)

Ali-OK

Yes and I probably will, as mid-month doesn't cause any problems with a widely variable pay myself date

AlexLK

Ali-OK wrote: »

Alex - spreadsheet fiddling is a great use of an iPad , but generally seems to be the tablet of choice for many - even King's Hospital were using them for patients to complete surveys on

:rotfl: I don't see the point in tablets at all, or in surveys for that matter. Spreadsheets I see the point of but life is far too short ...

Ali-OK

And the mortgage even shorter...with a spreadsheet

The point of them - portability both at home and out and about. Good for working away from office base. Makes life more efficient which suits me

Ali-OK

XXL turkey for big family lunch now in the half chest freezer - cost zero as used Nect@r points .

More sides of the glorified shed painted as DIYer plans to build it on Sunday - a tight deadline as so much to do still :eek:. For once, I don't mind if it rains as forecast and gets delayed

Financials:
- bank account checked
- freepostcodelottery checked
- Inbox £s up at £9.68
- Qmee - yet to get off the mark again

Latest figure in the budget for next MOP is £850 - only 8 days away and counting

AlexLK

Ali-OK wrote: »

And the mortgage even shorter...with a spreadsheet

How?

Ali-OK wrote: »

The point of them - portability both at home and out and about. Good for working away from office base. Makes life more efficient which suits me

Can't say I've ever felt the need to be contactable 24/7. Unfortunately, I can't get away with letting the mobile 'phone run out of battery and "forgetting" to charge it for a couple of weeks these days.

Luckyinlife

ohhh diy :] i hope it dont rain haha get it done before the clocks go back be fun hehe

Ali-OK

Weather meant to be sunny on Sunday Lil...I'm up against it now with the painting!

Alex :rotfl: If you don't know how spreadsheets drive MFWs by now...what can I say!

Weekly food shop done and predictably high bill of £41.04, though it included some items for Christmas...I'll add a few each week so it spreads the cost.

£172 application fee paid today for the planning permission application and 8 weeks of waiting ahead of me. I'm sure it'll be a roller coaster ride waiting on the neighbours letters, any comments or objections in the 3 week window and what minor changes might be required by the Planning Dept and then that all important decision. Glad I'll be kept busy with work and Christmas prep so I don't think about it too much.

Financials:
- bank account checked
- freepostcodelottery checked
- Inbox Pounds - up a tad £9.70
- Qmee - picked up 6p

Dinner then more summer house panel painting tonight in the garage!