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  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the money front
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • greent
    greent Posts: 10,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Double lot of bonus money - fantastic! (insert jumping smiley! ;))
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great new on the gas fire bid - and the mortgage refund. You seem to be motoring along. We pay about £50 a month for water on a 4 bed house with a DD who has a deep bath almost every day....
    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
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just read your diary from start to finish! So pleased to hear you are recently settled in your Dream Home! :love: 
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 29 February 2020 at 9:25PM
    We are on a water meter - 5 of us (inc 2 teens) in a 3 bed semi, we don't really scrimp on water - the washer is on regularly, we all shower/bathe enough and we have multiple animals that need watering too - and we pay £37pcm.
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • woodfired
    woodfired Posts: 404 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Just read your diary from start to finish! So pleased to hear you are recently settled in your Dream Home! :love: 
    Ahh, bless you, thank you.  :smile:   It is very different from the last house but we are loving the space.  Thanks for reading it all, I'm impressed! :lol:
    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
    Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
    Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 2025
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are settling in well. North Yorks can be so beautiful. We've holidayed there and would love to go back.
    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
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Glad you are settling in well. North Yorks can be so beautiful. We've holidayed there and would love to go back.
    We are in Yorkshire too and it is beautiful here 😍
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • woodfired
    woodfired Posts: 404 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Yorkshire is beautiful and I especially love north Yorkshire, my Dad's family come from over that way so I think it's bred into me to love it! :lol:

    Admin this afternoon, usually don't mind it but this is lots of bill paying :disappointed: so I'm not as happy as I should be!  Have paid the final balance on our previous gas and elec and cancelled the DD.  It was £264 to close the account which is a lot, mainly because my previous supplier went bust and they moved me to a much more expensive one.  Plus they didn't take and DDs for a couple of months so we fell behind.  All sorted now and have been through MSE to find a new supplier for this house that will hopefully be reasonable.  I have just taken some meter readings for new supplier and rough calculations suggest we are on track to use about £93 worth of gas/elec this month.  This is almost half what I expected to be paying as previous owners suggested it was around £180 per month.  Happy with that and I can only assume they were very wasteful with their energy usage, obviously not MSE fans! :lol:

    I have paid the invoice for the new boiler we had to fit at our rented-out flat above the shop the week we moved :frowning: £1545 lighter but at least it's done.

    I have also raised a couple of invoices for DH, at least that is money coming in, not out, for a change.

    I'm still waiting for a rebate on the council tax for old house.  It's funny how the bill for the new place landed behind the door the day after they received the change of owner form but "it may take several weeks" for them to calculate the rebate owed to us!!  Honestly.

    Finally, in more exciting news, the first mortgage payment went out this morning and my balance is showing in the H@lifax app.  I have also noticed that they are starting a new competition where you can win your mortgage paid off each month.  To enter you need a current account and there are funding/DD requirements to meet but I like the sound of that! So, I'm off to sign up for a current acc.  :wink:

    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
    Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
    Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 2025
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