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Setmefree's Diary: MFi5 journey
Comments
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Congratulations! :beer: Just before Christmas too :TCurrently studying for a Diploma - wish me luck
Phase 1 - Emergency Fund - Complete :j
Phase 2 - £20,000 Mortgage Fund - Underway0 -
:j :j :j :j :j :j :j :j :j :j :j :j :j :j :jFantastic Stuff - SMF2MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
Original Mortgage o/s £187,643 / £71,904 (-115,739)
Repay o/s £92,661 / now £55,900 (-36,761)
Int Only o/s £94,982, now £16,004 (-78,978)
Total daily interest £1 [a) £0.77 b)£0.23
Total OP's:2018 target £TBC YTD £1,9950 -
:T :T OUTSTANDING....:T :T
Really chuffed for you....well done!Mortgage at start Oct 2000- £112000
Current mortgage @ March 2010- £62229.
End date, Aiming for Dec 2010
2009 MFW Overpayment challenge #176. 2010 MFW Overpayment challenge #79
OP Mar-£1000/1000:j
Mortgage = Lifetime Tracker +0.18% above BOE0 -
SMF, a quiet well done from me too.... :beer:
I trust you'll celebrate the achievement in style?0 -
SMF that really is.....
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
More good news. The SMF2s mortgage rate is now 2.59% - Barclays Base rate +.59
0 -
SMF - a massive well done to you for passing your half way mark. What a great christmas pressie eh?! You should also consider as a huge achievement the sheer number of people on here for whom you have proved such an inspiration - well done on that too, and thank you from just one of that number. :beer:🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
I've had a great Christmas and New Year
LOL
I'll be back tomorrow with my NYs MFW resolutions
All the best:D0 -
Mixed results for me for the Dec 008 Qtr.
ELECTRICITY
I did well with my electricity - down 4 kw per day - Saving about £8 per month. In previous Dec qtrs electricity has cost us £1.57 per day this is now £1.30.
I didn't use my freezer and spare fridge over christmas so they have now been recycled and have gone...
GAS
This was broadly the same as previous years:o. - 69 kilowat hours per day at a cost of £1.50 per day. Must do better...:p
I have updated Page 1 of my Energy Use Diary Thread on the Green board
All the Best
SMF20 -
Happy New Year smf2!
Glad you had a good christmas period. I think you've done wonderful with your gas and electric...I dream of being that organised....Currently studying for a Diploma - wish me luck
Phase 1 - Emergency Fund - Complete :j
Phase 2 - £20,000 Mortgage Fund - Underway0
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