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

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Comments

  • When he's really really in trouble it's a short sharp Vincent!
    MFW: Was: £136,000.......Now: £47,736.58......
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Igamogam wrote: »
    That will be me then .........was worried for a second this lovely government of ours was going to start taxing electric cars!

    Any car registered before April 17 (I think) will keep its current road tax bracket, it's just for brand new ones it all changes :)
    When he's really really in trouble it's a short sharp Vincent!

    :D

    :j Annual mortgage statement has arrived - a nice surprise as last year's arrived in April!!! Fitted onto one page, but they've shrunk the typeface..either that or I need new reading glasses :o

    2 bits of good news for my I/O mortgage - 20% OP allowance again for this year, but even better, minimum OP amount has come down to £100 from £500. They also now allow a new deal to be booked 6 months in advance, rather than the old 3. Well done The Spanish Bank :T

    Washing all done (no added milk :D) and on airers, bins, towels, beds all done last night, so it's on to blitzing the housework and getting chocolate cake made in time for DIYer to arrive and hopefully fix tap and start speccing the extension on paper.
    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
  • I'm very inpressed with your productiveness, I've managed to load the dishwasher and clean up cat vomit since 6am this morning :(
    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

  • I went out for breakfast and to buy a new light.
    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!
    Hope the cat is ok Skinny, horrible job clearing up after poorly pets :(

    Breakfast out sounded good INOD and I need to shop for new lounge lights at some point too - one of ours is broken.

    Am eating out tomorrow - being a 'lady what lunches' with vouchers :). As it's in town, I'll get the March birthday vouchers I need. One present wrapped as well.

    Been very productive this weekend - chocolate cake was made and all eaten yesterday! Tap fixed (grub screw needed tightening, doh, I'm such a girlie when it comes to that stuff :o). Plan of action discussed for extension and other little jobs diaried for early May. Housework done, washing put away, bits for ironing done. I also banked £35 from the change bucket, as the 5p's had got to £5.

    Gorgeous sunshine kicked off a chilly dog walk this morning, then spring clean mode kicked in and a few fiddly jobs done - bathroom light fitting cleaned, bathroom cabinet decluttered and cleaned, shower screen bit taken apart and cleaned. Lots of paintwork washed. Pleased with all that. Still need to sort airing cupboard - plan was for after dinner tonight, but BAFTAs is on....

    DS didn't get the work experience placement he'd applied for last October as they decided not to offer to Y10s :mad: ..he's got a guaranteed place for next year if he'd like it though, so we'll take that and hope it doesn't clash with him sitting his GCSEs. So we've now a few companies he will contact tomorrow. Fingers crossed.

    Financials:
    - bank account checked - alot of DDs go out next week (throw back to being paid on the 15th back in the 90s!)
    - freepostcodelottery checked
    - Inbox £s up at £18.69...getting closer to payout
    - Qmee - picked up another 11p and current pot at 66p

    Lovely to have the whole house clean and tidy for a change - shall enjoy it now as it won't last long :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
  • Amazing what a little sunshine can do, been a bit productive myself today starting a little spring clean.

    Hope DS gets a placement so annoying to be let down last minute :)

    Chocolate cake sounds yummy, having a cup of tea at the moment and a slice of chocolate cake would be heaven with it :D

    Enjoy your lunch tomorrow, and the visits you have lined up for this week.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Ali, you sound a lot better. :)

    In 2017 will all cars go down to a flat rate of £140 for tax unless over 40 years old?
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Or go up to £140.
    Mine is currently free!
    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.
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    beanielou wrote: »
    Or go up to £140.
    Mine is currently free!

    My 3 classics are free but the Defender isn't. Neither is the Discovery or 5 Series but they'll be sold soon.

    I'm quite confused as when new tax bands have been created before (2001, 2006), the older ones have remained the same. However, I hope you're right and the obscene £500 rate will be dropped altogether. Completely understand you may be annoyed if your car is currently free but will change to being £140, though.
    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!
    The car tax change is only for brand new cars registered on or after 1st April 2017.

    Everything else will stay in the same bands as at present, though whether they'll go up a bit as they so often do is yet to be seen.

    I'm the same as you Beanie - current band nil.

    Alex, car tax go down :rotfl: You were joking, right?
    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
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