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Mortgage free ASAP

in Mortgage-free wannabe
157 replies 22.7K views
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Replies

  • South_coastSouth_coast Forumite
    4.2K Posts
    1,000 Posts Third Anniversary Name Dropper Photogenic
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    All looking good - fingers crossed you get the valuation back soon 🤞
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    Thanks SC, I feel as though things are in limbo until then. 

    Had a productive cleaning day today, the windows and sills are gleaming! Now just to continue the motivation through to the following day for some consistency :D 

    Jobs for tomorrow:
    Mop floors
    Clean fish tank
    Clean bathroom 
    I'm hoping I may actually do them if I put them on here :D 
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
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    Jobs for tomorrow:
    Mop floors
    Clean fish tank
    Clean bathroom 
    I'm hoping I may actually do them if I put them on here :D 
    Well all jobs were done by 1pm yesterday. I haven't started todays jobs yet though, whoops!
    All that needs doing is a load of washing and a quick hoover so it won't take long. Best get on with it I suppose  :D

    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    Jobs done (hours ago - I haven't just finished now) - I'm feeling good about the cleanliness of the house this week, I don't say that too often! Tomorrow is a chore free day in my schedule so I'm going to focus on one area to declutter.
    There's an end section of the kitchen bench which gets 'stuff' dumped on and then left forever more. It's become a bit of a blind spot so I think I may try and tackle that. I also have the same problem with the living room chair, I'll see which one looks most appealing in the morning!
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    My living room chair appears to be my decluttering nemesis. Still no news from the valuer! Not sure what to do, there's only so many ways you can ask for an update.

    On Tuesday we had a leak downstairs after using the shower upstairs, waiting for a plumber to hopefully come out on Tuesday. In the meantime we're popping to my dads to use his shower.

    My OH is off work for a week so we have a few things planned and will be spending on meals out.
    We've been to OH parents this afternoon for lunch and are off to my dads for a chinese now. Yum! 
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
  • edited 10 September 2021 at 4:19PM
    bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    edited 10 September 2021 at 4:19PM

    Pots at the end of May:
    Presents - 180
    Holidays - 1000
    Car stuff - 410
    Pet Ins - 120
    Home Ins - 140
    Clothes - 50
    EF - 3000
    Land Purchase - 2761.88
    Wedding - 124.95 (Bits and pieces, parents are paying for the big stuff)
    Mortgage OP's - 188.94 (no OP's until we find out the land purchase cost)

    Mortgage at the end of May - 35208.07
    S&S ISA - 2352.83
    Pots at the end of June:
    Presents - 150
    Holidays - 1000
    Car stuff - 410
    Pet Ins - 120
    Home Ins - 140  - This is due next month
    Clothes - 50
    EF - 3000
    Land Purchase - 2833.37  - If it ever goes ahead!!
    Wedding - 124.95  - We ordered our invitations this week :)
    Mortgage OP's - 42.94  - Raided this to purchase 2 Elton John tickets, not sorry!

    Mortgage at the end of June - 34897.40
    S&S ISA - 2470.05

    Last week was a spendy week with OH being off work, we ate out loads!
    I'm still managing to keep on top of the cleaning which I'm really pleased about. Still desperately need to declutter, I have a pile of stuff in each room that needs sorting out. 
    Our leak in the shower was fixed with a bit of sealant so that was a relief.

    We've received an email from work discussing the possibility of us moving to a 52 week contract. There are pros and cons but probably more positives overall, it would be great to have a set income all year. Not holding my breath that it will happen though. 
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    We have finally heard from the valuer...to tell us that no we can't purchase the whole piece of land! (I didn't even want to purchase it all, only about half, but he said we would have to buy all or nothing).
    He is now offering us a tiny section which is only as wide as our sitting room. I've asked him if we can have a bit more than that, let's see how long it takes to hear back this time!
    Part of me is relieved they have said no to the full purchase as it would have cost a small fortune, and I nearly died when I realised how much it would be to fence it all!
    At least now I don't need to save any more money towards it and we can start to OP the mortgage again  :)

    Transferred £45.50 from quidco and £12.50 from Topcashback.
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
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