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

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Comments

  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Clearly this was meant for my diary and not yours, but hey I guess you might like to know!

    It pushed me to go for it :D I'm such a ditherer sometimes :o
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    I go away for a week and all of a sudden there's 8 pages in a new diary to read through!! :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Hey Skinny :wave: Welcome home from your fab time away :j

    :rotfl: I realise there's so much more I could do to make more money...you've just reminded me to look at MB again whilst I'm off work.

    Don't know where the time goes, though I've been relaxing more which is something I'm generally not good at and hopefully it's doing me good. :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Glad to hear it Ali. Just don't start feeling guilty and overcompensating. We know what you're like.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    I should feel guilty for taking 4 weeks off work, but I don't :) the last 2 have been pretty busy, but the next 2 are for R&R at home with a fairly short To Do list (for me anyway :rotfl:)

    - Housework top to bottom
    - Sort home office out by 6th Sept
    - Ironing (4 things :D )
    - Paint fence (still...)
    - Clean and re-stain decking
    - Sort DS school trousers
    - Bake more cakes
    - Organise charity shop to collect good sofa
    - Boiler service (Thurs)
    - Take DS to cinema (Tues)
    - Organise DS's friend coming over
    - Clean car inside and out
    - Cajole DS to sort his bedroom - tidy, declutter and defumigate :rotfl:

    Work stuff
    - month end accounts next week (they'll be pretty short)
    - keep on top of emails
    - schedule more work into w/c 7th Sept

    Money stuff
    - Apply for 1-2-3 current acct and CC
    - Read up and try some MB
    - Keep my usual financial checks up

    Mostly I'm enjoying no alarm clock, leisurely walks with the hounds, the new garden and sunshine...doesn't look like they'll be much of the latter this week though.
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Hi Ali,

    Didn't quite manage an NSD - popped over to visit my friend who was feeling a bit low. Got there to find he'd no milk, so I had to go and get some (as I had my shoes on!!!). Bought some pickled onion monster munch to cheer us both up, so a £3.05 spend in the end.

    Harrumph!!!

    T:)

    Paid for it out of my "spends and stuff" budget so kept my grocery budget intact!
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • I hope you have a lovely couple of weeks resting and relaxing!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Watty1
    Watty1 Posts: 7,060 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Oh brave on the MB.
    Keep meaning to read up and try but brain not been in gear much lately.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Thistle, I'm sure your visit cheered your friend up and over a cuppa with much needed milk! Haven't had Monster Munch in years! :)

    Watty, I've not been brave enough (or understood it well enough previously) to dip my toe into MB waters. Time is on my side for a change :)

    Thanks DFOD. Been a busy morning getting little things done and a few crossed off my list, mind you many didn't make the list as they're standard things I do on auto-pilot :)

    - Old sofa being collected next Saturday. Get our 'new to me' ones same day :j
    - Ironing done and put away

    On the financials, another P!necone survey arrived and I've completed that, so another £3 will soon be on its way to the TT pot :j . That's 7 since 30th June :T

    Qmee is a bit slow at the moment, with just 11p in the pot to cash out - had a quick look and I've earnt £18.87 since starting it (must be 18 months ago).

    Qu!dco's £2.19 arrived in my bank account this morning, so that's in the TT pot now - up to £91.50 ready and waiting for Friday's capital payment transfer.

    DS's shirts are in store to collect - I'll wait until the rain stops, it's pouring here and chilly. Better do some housework to keep myself warm!
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • It's nippy here, littlies are watching My Little Pony and I'm surfing Crocus.. again!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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