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

debtfreeoneday

Summer house sounds awesome! Glad all OK here!

shangaijimmy

very positive plans which is getting some great rewards. I have been a long advocate of artifical grass and we've had it for 5 summers now. Best thing i ever bought (after my first dog...!)

Ali-OK

debtfreeoneday wrote: »

Summer house sounds awesome! Glad all OK here!

It'll be multi-functional - might even try and start growing stuff from seeds in it It's a little 6x6 corner one. Need to choose paint colours and buy that...more cost. :Sigh: DIYer can put electricity into it too, but being careful DS doesn't nab it for a man-cave, it's definitely a She-Shed

shangaijimmy wrote: »

very positive plans which is getting some great rewards. I have been a long advocate of artifical grass and we've had it for 5 summers now. Best thing i ever bought (after my first dog...!)

I'll second it being a top purchase...that constant immaculate look has such a wow factor. Was the first dog the reason for getting it? Same here if so! Wonderful to be rid of the uneven mud bath Springy turned it into!

Finished early today and have banked the £10 of 20p's, paid myself back owed expenses and have got the first load of washing drying on the line. Few small housey jobs done to get ahead on the weekend.

Got a cake to make and more block paving to de-moss and de-weed. 2 spaces done, 2 to go. Hopeful I can make good progress over the weekend.

Fuel is down to 92 miles left...2 gallons at most, wonder if I can last until the new month....

Happy Weekend everyone

Brogden

Ali-OK wrote: »

DIYer can put electricity into it too, but being careful DS doesn't nab it for a man-cave, it's definitely a She-Shed

:rotfl:I can just see it......candles, scented pillows and little pots of pot pourri !!

Broggers x

debtfreeoneday

Bunting on the door, shabby chic curtains, pastel pink door and a sign saying She Shed should be enough to keep the man at bay!

Must must look at this artificial grass!

Luckyinlife

Iv was looking at summer houses to go at the back but have decided to bite the bullet and build a garage shed there now and have a small summer house for DS

Sounds like its all coming together ali great stuff :]

Ali-OK

Brogden wrote: »

:rotfl:I can just see it......candles, scented pillows and little pots of pot pourri !!

Broggers x

:rotfl: :rotfl: Think I might be more the fluffy dice and an engine block coffee table type

debtfreeoneday wrote: »

Bunting on the door, shabby chic curtains, pastel pink door and a sign saying She Shed should be enough to keep the man at bay!

Must must look at this artificial grass!

Definitely candles...'just mown grass' scent :rotfl: and cheaper for keeping it warm Might even be in range of the router for wi-fi too

Luckyinlife wrote: »

Iv was looking at summer houses to go at the back but have decided to bite the bullet and build a garage shed there now and have a small summer house for DS

Sounds like its all coming together ali great stuff :]

A man cave each, that's a good idea Lil.

Plans are getting a bit grand for the new en suite (free standing bath, walk in shower, WC and basin in a unit run) but saving on the dressing room by sizing it to take my current wardrobes.

Starting to list what else can be re-used too - an internal door and possibly a window so far. Sized up and priced some other items, but with a few friends in various trades hoping to reduce costs along the way.

Tricky neighbour spoken to - a cautious ok response, so a wait and see if they raise any objections once the letters go out.

Diary is in danger of becoming a spending one, so on the making and saving side of the finances:

- bank account checked
- freepostcodelottery still being checked daily
- Inbox £s up at £7.48
- Qmee - cashed out 66p and kicked the pot off again with 5p yesterday
- MOP day tomorrow - wooppeeeee :j
- Didn't use car over the weekend

Time for bed - busy work day tomorrow and need to phone the bank re: the MOP first thing

AlexLK

:rotfl: Are you Mrs K's older, more sensible sister? Hope the coffee table is a V8 or V12 though.

As for just mown grass scent, I've got a cheaper solution for that...

Re. house renovations, it does get expensive and the plans do become far too grand. We were not long ago looking into sorting out our bathroom. Mrs K wants a separate shower unit but we were both surprised at the cost of nice fixtures and fittings for such an item. Not to mention it's going to be a lot of work to do. If she gets that we're having a period bath, though.

shangaijimmy

MOP day, best day of the month...!

Ali-OK

Certainly is best day of the month :j

£800 gone to the Spanish Bank, OP amount £121.07 based on not reducing due amount since OPing, or £160.05 OP based on required minimum to finish at term.

Mortgage 31/12/13 £133,444
Last month - £115,750
Now - £114,950 - on the downhill to the £100s now :j

The 2 parts:

31/12/13 - £27,345
Last month - £20,200
Now - £19,400 - milestone of into the teens :j

31/12/13 - £106,099
Last month - £95,550,
Now - £95,550 - this one will start being attacked next month

Interest should be £353.48 for October, a £2.45 reduction on last month or 8p a day, taking it to £11.63, down from £13.44 on 31/12/13.

Split:
£19,400 - Daily -£1.96 - broken the £2 barrier :j Monthly - £59.57 broken the £60 barrier :j
£95,550 - Daily - £9.67, Monthly £293.91

Interest saved now at £2,458.87, Cumulative OPs now £4,189.89

Amount paid off total £18,494, ownership up at 55.79%, LTV down at 44.21% based on conservative value.

Have I missed anything? Tons more figures on my spreadsheets so ask away :rotfl:

Gotta love a Happy Monday