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EH - Essex > Hebrides...the next step of the adventure?

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  • Thanks for popping in SG - yes, that was exactly our thinking about any excess, but at least it will be there if (I suspect when) needed. 

    I went really thin on the ground with PA for a while and then remembered I needed to check the personal info stuff - lots of out of dates ones/new questions to be answered and since then it's improved massively! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • milann
    milann Posts: 11,380 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I’ve just read through your diary…..it’s taken me a while. Some great ideas on here and it’s made me re focus 👏👏 Thanks very muchly 👍
    January spends - £587.58
  • milann
    milann Posts: 11,380 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    My minimum payments come out every month even though I pay the full balance through a card payment both with Santander…..if this is your first payment I’d chase it up 👍
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    BB sounds good. Ex is already with Vod - so not sure I can claim new customer status...  What do you reckon?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Well once the divorce goes through the aisle no reason why you wouldn’t be able to! 

    Manual monthly payment to the 0% card now made - when I looked at the options it even gave me “statement balance “ as one of them so clearly it was still showing as needing paid - I’d best to get a late payment marker as a result of this, I’ll hit the roof if I do. 

    It’s been a proper grey dreary day down here today - I got damp cycling from the car to the office and then got damp going in the other direction this evening too. Hopefully tomorrow will be brighter -  it barely felt like it got light today. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You've already paid over the minimum this month so you shouldn't get a late payment marker.  Maybe statement balance is just a general option which you get whether there is a balance due or not.  I've never liked Antanddec.  (I do, however, like the two cheeky Geordie chappies!)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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