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Dolly's Dwelling Dreams..........

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
90 replies 6.3K views
Dolly_RockerDolly_Rocker Forumite
5.2K Posts
Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
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edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
Hey everyone,

I am starting this diary now as my journey to becoming a homeowner is my main focus right now.

I won't be able to start saving until January 2019 but I wanted to start thinking about the plans now as it is going to take me around 5 years to save enough to get a mortgage.

Dxxx
MFW - £0/£66,498.57
EF - £0/£8,000
1% MF Challenge - £0/£665
Mum IOU - £0/£3,000
Survey Cash Out - £0/£600
Goal Weight - 73lbs/95lbs - 22lbs to Lose
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Replies

  • edited 5 December 2018 at 7:26PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    edited 5 December 2018 at 7:26PM
    £12754.09 - Starting Debt
    £12364.09 - Debt Repaid
    £390.00 - Remaining Debt

    I will officially be debt free on Friday!

    Update
    I did it - paid off all my debt on 30th November 2018 :j:j:j

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • edited 21 March 2019 at 1:28PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    edited 21 March 2019 at 1:28PM
    My Home Fund
    £1200.00 - 01.04.19
    £200.00 - 01.05.19
    £200.00 - 01.06.19
    £200.00 - 01.07.19
    £200.00 - 01.08.19
    £200.00 - 01.09.19
    £200.00 - 01.10.19
    £200.00 - 01.11.19
    £200.00 - 01.12.19
    £200.00 - 01.01.20
    £200.00 - 01.02.20
    £200.00 - 01.03.20
    _________
    £3400.00
    _________

    I will get a H2B ISA in April with an initial deposit of £1200 then will add the £200 per month to that, this will be a total of £3400 saved in 2019/20.

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • edited 21 March 2019 at 1:30PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
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    edited 21 March 2019 at 1:30PM
    £200 - April
    £200 - May
    £200 - June
    £200 - July
    £200 - August
    £200 - September
    £200 - October
    £200 - November
    £200 - December
    £200 - January
    £200 - February
    £200 - March
    _________
    £2400.00
    _________

    Emergency Fund
    Will work on this to bring my total upto £3400.00 for the year.
    _________
    £1000.00
    _________

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • edited 21 March 2019 at 1:31PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    edited 21 March 2019 at 1:31PM
    £200 - April
    £200 - May
    £200 - June
    £200 - July
    £200 - August
    £200 - September
    £200 - October
    £200 - November
    £200 - December
    £200 - January
    £200 - February
    £200 - March
    _________
    £2400.00
    _________

    Emergency Fund
    Will work on this to bring my total upto £3400.00 for the year.
    _________
    £1000.00
    _________

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • edited 21 March 2019 at 1:31PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    edited 21 March 2019 at 1:31PM
    £200 - April
    £200 - May
    £200 - June
    £200 - July
    £200 - August
    £200 - September
    £200 - October
    £200 - November
    £200 - December
    £200 - January
    £200 - February
    £200 - March
    _________
    £2400.00
    _________

    Emergency Fund
    Will work on this to bring my total upto £3400.00 for the year.
    _________
    £1000.00
    _________

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • edited 21 March 2019 at 1:32PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    edited 21 March 2019 at 1:32PM
    £200 - April
    £200 - May
    £200 - June
    £200 - July
    £200 - August
    £200 - September
    £200 - October
    £200 - November
    £200 - December
    £200 - January
    £200 - February
    £200 - March
    _________
    £2400.00
    _________

    Emergency Fund
    Will work on this to bring my total upto £3400.00 for the year.
    _________
    £1000.00
    _________

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • edited 21 March 2019 at 1:34PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    edited 21 March 2019 at 1:34PM
    Buy my forever home :heartpuls

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • edited 27 November 2018 at 5:01PM
    Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    edited 27 November 2018 at 5:01PM
    I did start a diary here before quite a while back but a lot has changed since then.

    Split with my ex who I had been with for 17 years and at the ripe old age of 35 that was really my whole adult life.

    Anyway but of a shock to the system and a massive adjustment to life.

    I have moved back in with my Mum who has been an absolute angel and allowed me to stay there rent free while I pay off my debt.

    This year I have paid off £12364.09, another £390 to pay then I am done.

    I did try to apply for a council house but it just said don't bother if you have a room in your house and are not in complete dire straights so I thought you know what I am going to buy my own place, there is no reason I cannot do it.

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
  • FIREdocFIREdoc Forumite
    53 Posts
    Second Anniversary 10 Posts
    Wow Dolly, can't imagine how excited you must be for Friday! That's awesome! :)
    Starting mortgage Summer 2018 - £213,500
    2018 [STRIKE] Dec £205,330 [/STRIKE]
    2019 [STRIKE]Jan £204 200 MAY £199,650 August £196 000[/STRIKE] December £193 500

    [STRIKE]Goal for 2019 - £195,000.[/STRIKE] Goal for 2023 - £125000
    MFW2019 #89 £4303/£10,000
  • Dolly_RockerDolly_Rocker Forumite
    5.2K Posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    Thank you FIREdoc - I am sooooooooo excited.

    Cannot wait to make those payments.

    As soon as the payment clears the Barclaycard account is getting closed down, I have no need for a credit card with a £12,500 limit :money:

    Dxxx
    MFW - £0/£66,498.57
    EF - £0/£8,000
    1% MF Challenge - £0/£665
    Mum IOU - £0/£3,000
    Survey Cash Out - £0/£600
    Goal Weight - 73lbs/95lbs - 22lbs to Lose
This discussion has been closed.