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

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  • Watty1
    Watty1 Posts: 6,894 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    So nice you had mum with you for a few hours, Christmas is about family after all. Sending love x
    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!
    Very true Watty, for years Christmas seemed to revolve around the fun and excitement for DS (and niece and nephew) but they're all pretty much grown up now, before that probably partying - family always together for the day, but definitely more pertinent this year :)

    Glad to hear no waste in your house either Broggers :D. Reminds me I need to batch make turkey curry and we'll have a casserole with some today. Finally some room in the freezers.

    I was diary reading and spreadsheet fiddling late last night as it's only 3 days until OP day :D

    PJ day keeps being just out of reach...maybe tomorrow :)
    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
  • You're still motoring on as usual despite the extra bits to juggle. Well done you. Glad you had a good Christmas and here's hoping 2016 can bring you all that you would wish for.
    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!
    Thanks INOD and I hope you had a good one too - I keep checking your diary to see how life is treating you...shall PM you instead if I may :)

    Balance is my goal for 2016:

    - time with family...money can't buy it but more memories can be made

    - life won't be as frugal with higher fuel spends to see Mum more and higher food spends to make sure she has nutritious fresh and palatable food

    - mortgage I am aiming for £10k off or £2,300 in OPs - under £100k is unlikely, but every penny extra towards it will help :)

    - building pots of savings

    - working to live, not living to work

    I'm in a way better position than 2 years ago and if this year was just to be paying the mortgage minimum repayment amount, then I'll still be happy.

    Having said that, I've just upped the capital payment to £840 :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
  • Merry Christmas Ali, and a mega 2016 xx
    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!
    And to your Skinny :xmassign:

    Been at Mum's for the afternoon and have used as much fuel in the last week as I have in the last month :eek:.

    Free day tomorrow :j but need to get a few bits to take over Monday morning, so no PJ day then! Plan is that and batch cooking.

    Finally put my lovely Christmas gifts away tonight and hidden my chocolate stash from DS..his is disappearing at a rate of knots and mine *should* last until Easter if he doesn't raid it :rotfl:

    Got some washing on and the dishwasher, bins emptied and a general tidy up done. Feeling on top of the house stuff at least :)
    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
  • aww good job ali merry x-mas diary :]

    feels good once ur back ontop of stuff :]
    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
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Glad you had a nice Christmas, Ali. :)

    Suppose it's a bit too late to say Happy Christmas.
    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!
    Not at all Alex :xmassign: :D and hope you and the family had a good one too. It's Christmas until the tree comes down on New Year's Day :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
  • Emmala
    Emmala Posts: 429 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    I last filled my car up at the beginning of October! DH keeps muttering that I clearly don't need it but is missing the point.....I take his whenever I can, because his lives on the drive meaning I don't lose my parking space out the front of the house!!! :rotfl::rotfl:

    You're right about making memories Ali. Family is more important than anything else, but you're so determined I bet you still achieve your goals! :money:
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