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Setmefree's Diary: MFi5 journey

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  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    Oooo dear you guys will get me bannedbanned.gif
  • ROFL! Another vote for Mr Depp here I'm afraid - sorry Martin!!
    🎉 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
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    Hi all

    Just been updating my mortgage spreadsheet.

    Interest last November £849, interest this November £519:T:T.

    This is due to combination of OPs and lowering of interest rates. Hopefully there will a bit more today;)
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    I take it you're on a variable mortgage? (being nosey again I know)

    A difference of £330! Thats wonderful, are you going to have a celebration or just dance round the room? lol
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • That's it, expect pictures of Uma Thurman next time you visit my diary, SMF2! :D
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    How about Johnny Depp to take the lead in 'Martin - The Movie' :drool:
    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"
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    SmlSave wrote: »
    I take it you're on a variable mortgage? (being nosey again I know)

    A difference of £330! Thats wonderful, are you going to have a celebration or just dance round the room? lol

    Hi:hello:

    We have a Woolwich tracker which has no collar. Current Barclays Base Rate 3% - they haven't passed on yesterday's 1% yet.

    We have never altered our monthly DD since we took out our mortgage, so over time the OP just gets bigger and bigger. :D

    I have all our details here on page 1
  • pixelwife
    pixelwife Posts: 510 Forumite
    Part of the Furniture 100 Posts Name Dropper
    You really are inspirational. Just look at the difference you've made in your mortgage since 2003!!!

    Big congrats on your achievements so far!
    Wins 2014 worth: £8,988
    Wins 2015 worth: £5,128
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    yippee_big.gif


    Our monthly payment has gone out and we hare now sub £125k - so we are have just passed the half way mark:T:T
  • evab_2
    evab_2 Posts: 2,336 Forumite
    :T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

    Fantastic, well done smf and family
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