📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

14445474950122

Comments

  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Think it'd cost as much as the bag did originally...a cheap half price job in Sbugs back in 2013.

    The small size healthy back bag is £129 which seems plenty big enough so will debate with myself whether it's a wise investment after Christmas :rotfl:
    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
  • Morning Ali you ok ?
    cinema is expensive stuff i normally use my free tickets from you know what account lol


    but what i do is upgrade it to vip and 99% of the time the seat is empty next to us so i just put ds in there if someone came he would sit on my lap
    MFW SEE haha thing is we still spend £10-12 on food as we only go once a month but i remember going as a kid so want my boy to have the same good memories as i did :]

    I actually bought a star was bedding for ds to haha
    Still on track for £1k capital to go next Monday to the mortgage
    What sort of term does this knock off for you ? 1k is amazing tho wooooo get in
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Evening :)

    Sorry LiL, work stuff dragged me away this morning. Ahh, you've got a Vuu in that case ;) I recognise the freebie! I got a mag subscription this year, a real treat as stopped buying those and newspapers when I joined here in 2006 and worked out the annual spend :eek:

    That's another film DS wants to see - Star Wars! Great it goes right across the ages and bet your DS chuffed with his new cabin bed and bedding.

    You ask a simple question...and I can't manage a short answer :rotfl: It's about half a month - minimum repayment capital would be.. (consults spreadsheet :D) £641.90, so the OP is 55.8% at £358.10. It will mean another month comes off the end date, taking it to 7.36... but I'm still in two minds about sending so much as need to bulk up savings with the £7k going out in March for the car. :think:

    New trial contact lenses arrived in post - got a visual migraine as the day wore on, the changed one feels a bit too strong but shall give it time.

    DS's Halif@x Reg Saver renewal letter arrived - complicated by him turning 16 during the next saving year it apparently means the whole amount would be taxed as it's parent held..so appointment made to move at the end of this one to their Junior ISA and not start another - it's 0.25% lower than N@ationwide at 3%, but goes up to 4% at 16 (as rates stand).

    Had to buy milk at £1 from local shop today as ran out :mad: which means the weekly food shop needs to happen tomorrow.

    Everything else ticking over as it should :) and off to have a word with myself as I don't seem capable of writing short posts!!
    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
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    You seem to be doing really well, Ali. :)

    Dreading the time coming when son wants to go to the cinema. He asked to watch a film today because they did that at school. Don't have a TV was a great excuse and I'm not sitting watching a whole film on the computer, he will be going to his grandparents to do that.

    Incapable of writing short posts too and also have to reply to everyone that replies to me, even though it's often to say the same thing twice. :o
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Thanks Alex :)

    Do you not like going to the cinema? Maybe Little K will get invited to go with others when he gets older too (can be a popular birthday party choice).

    I'll try a short post for a change :rotfl:
    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
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Really not interested in going to the cinema. Holding a children's birthday party at one is my idea of a nightmare. Happy for son to go with others, so long as it's in moderation.

    Perhaps a little off topic but still related, I especially dislike films based on books. The book is always better and seeing an imagined image realised really quite ruins it for me.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    AlexLK wrote: »

    Perhaps a little off topic but still related, I especially dislike films based on books. The book is always better and seeing an imagined image realised really quite ruins it for me.
    Quite agree, I've never seen 1 film that has been better than the book
    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

  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    Quite agree, I've never seen 1 film that has been better than the book


    And TV shows too.


    There was a series recently based on the Merrily Watkins books by Phil Rickman.


    When I'm reading the books I imagine a feisty female vicar..... in the TV show she was a limp lettuce of a woman!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Agree with that, though neither of us had read Lady In The Van.

    Food shop done last night with a spend of £22.18.

    Nothing else to report :D
    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
  • Love the cinema but unfortunately Mrs SJ is a horror movie freak and will only go to those!!
    MFW: Was: £136,000.......Now: £47,736.58......
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.