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Had a mortgage too long - it's going, going, gone!
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Absent parent also has a duty to support child will in further/higher education. Up to age 25 it used to be.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hidden & SJ - interesting article which seems to suggest FD do reward loyalty, though it is a few years old
http://www.theguardian.com/money/2013/nov/19/secret-remortgage-rates-special-customers
Fits my experience with my lender as well
Great knowledge for later this year!MFW: Was: £136,000.......Now: £47,736.58......0 -
Absent parent also has a duty to support child will in further/higher education. Up to age 25 it used to be.
Thanks Beanie, I'll do some further digging and see what current guidance is 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 4/1/180 -
:rotfl::rotfl::rotfl:
Got organised and put braising steak in the oven for dinner, put colour on hair then did 30 mins on the exercise bike. Terrifying image I knowPay 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 27/03/20150 -
Interest from accounts in today - £14.64 Club LL0yds and £7.29 T$B.
Mortgage paperwork arrived, signed and returned. ERC paid :eek: New rate should take effect 16th January. Money shuffled to re-fill the Club account as far as poss.
T@lk T@lk discounted year has come to an end, need to phone and see what new deal I can get out of them.
On top of all the usual financial checks and DS's pile of letters from first day back at school. Parents eve next week - am asking for slots after 6.15pm to take advantage of free parking from 6
NSD, need to do a food shop tomorrow evening as almost out of fresh supplies again after good old fashioned Toad In The Hole and veg tonight 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 4/1/180 -
Pleased to hear you've got the mortgage sorted.
Regarding your 'phone, call your current provider than check what deals the other ones are doing, then call your original provider and see if they'll beat it.
Doesn't school have a carpark?2018 totals:
Savings £11,200
Mortgage Overpayments £5,5000 -
Ali i know how u feel i just payed my ERC 2 months back grrrrr
seems to have happened so fast tho wow :] do you have your mortage with the bank you get 14 intrest from ?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 23k0 -
Thanks Alex - yes, I need to shop around for the phone and broadband which ties in with can I get DS to part from Sky too. An annual battle
No car park for parents at school. Only a 2 min walk from nearest public car park and avoids getting into the one way system and extra mileage 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 4/1/180 -
Luckyinlife wrote: »Ali i know how u feel i just payed my ERC 2 months back grrrrr
seems to have happened so fast tho wow :] do you have your mortage with the bank you get 14 intrest from ?
Drown our sorrows together - it is gutting after saving so hard to build it
We'll be better off in the long run though 
It's quick and easy to change product with the same lender if there are no changes to the mortgage (ie term, type, amount) at the moment as didn't get caught up in any of the new rules - that's changing in March though, hence doing it now.
Mortgage is with the Spanish Bank - got a standard current account there just to pay the mortgage interest DD through. Minimal amount stays in there to keep it valid 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 4/1/180 -
And don't forget all the exciting time you can spend adjusting your spreadsheet, with all the new forecasts!! Then resetting all your goals!MFW: Was: £136,000.......Now: £47,736.58......0
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