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Had a mortgage too long - it's going, going, gone!
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Shall be keeping a beady eye on yours! I'll be £1 a day behind you next month, December 18 forecast is £5.30... at the moment
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 -
ohh that is exciting either way :] 32% is massiveMortgage--- [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 -
Woah £5 a day, that's awesome.. I'm a good few years from that yet. Good job you two!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
How is your mum Ali?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 -
Hi Beanie :wave:
Thanks for asking - she's doing well considering and has settled into the 'new normal'. She has pneumonia on top of it too making it all a nasty cocktail. It's under control now, thankfully and if a flare up can be avoided during these colder months, she could have a stable late Spring and Summer. That's our hope anyway
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 -
Have done my most loathed job of the year - sorting phone and broadband. Am sticking with current provider, bit of jiggery pokery with package change to get the best price as usual.
10% off for paying line rental upfront = £21.24 saving or £15.93 p/m equivalent
Package - half price for 6 months = £45 saving or £11.25 p/m equivalent
Year's cost = £326.16/£27.18 per month. I'll ring in 6 months though and hoping DS will have grown out of the 1, yes 1 channel he watches on Sky that isn't on TT's tv. Mind you, got Sky discounted still at £15.75 p/m
Not too shabby for not moving
And then there's the car.... thanks again to Hidden for her calcs, it'd cost me very little to put that on a personal loan. Best rate means borrowing more than I need, but as it's flexible can pay that bit back immediately (or stash in another higher rate paying account) and pay off the whole thing early without interest penalty.
Got a Yes and 30 days to accept. So can keep my 5% and 4% accounts full, make a little bit (no tax to pay from April) and still have my EF for 'just in case' and cashflow purposes
Have managed to iron DS's shirts and do the housework today, surprisingly :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 4/1/180 -
Debt free in all fairness we're 3-4 years off that too. And as you can imagine much can, and will, in this years!MFW: Was: £136,000.......Now: £47,736.58......0
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How do you work that out?!shangaijimmy wrote: »December 18 is my below £5 daily interest month!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 27/03/20150 -
Skinny, this is a former MFW's (Locoblade) spreadsheet that I started with.
Straight forward to fill in and will show you monthly interest figures. To get the daily one, divide the monthly by 30.4.
Hope that helps and have fun!
http://locostfireblade.co.uk/spreadsheet/Index.htmlBack 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 -
Spreadsheets baffle me. Somehow I've managed so far with the back of an envelope and a pen and a lot of crossing out :rotfl: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 !!0
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