The Start Of Something...

Here we go we have 182,000 to pay off 5 year fix at 2.59%. 1st week in the house the boiler went so nice expense to start us off to the sum of 2000. Have to build the emergency fund back up then hoping to pay off an extra £75 a month.


Will see how I get round to updating this :beer:
Mortgage 167,565/183,000
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Comments

  • jodles16
    jodles16 Posts: 1,477 Forumite
    Car Insurance Carver!
    Welcome and best of luck!!


    Jodles :beer:
    MFW2020 #115 250/3000 J-250
    1% challenge- /1525
    Save 1k in 2020- /3000

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
  • longway2go
    longway2go Posts: 1,006 Forumite
    First Post Name Dropper First Anniversary
    Welcome. Good luck and merry Christmas.
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • jjmmww1
    jjmmww1 Posts: 127 Forumite
    First Anniversary First Post Name Dropper
    Our First month in the home and so far the only current problem is cats crapping all in the garden and nothing seems to work to deter them.


    Overpayment of £40 this month and savings of £125.


    Few more light expenses this month and that should be it until next month. So not a bad month to start overall
    Mortgage 167,565/183,000
  • jjmmww1
    jjmmww1 Posts: 127 Forumite
    First Anniversary First Post Name Dropper
    Not updated or a while still managing my overpayments of £50 in this current time emergency fund has built up to a total off £800 now and nothing else has gone wrong apart from the conservatory roof leaking where the flashing is not down still need to sort this out put don't have a big enough ladder so have ordered one
    Mortgage 167,565/183,000
  • jjmmww1
    jjmmww1 Posts: 127 Forumite
    First Anniversary First Post Name Dropper
    Still going strong with the over payments of £50 with no pay rise or bonus this year there will be no extra over payment next month. Just hoping the roof doesn't start to leak again when the weather changes again was a small drip but we shall see in a few months time.


    Mortgage 167,565/183,000
  • ruby_eskimo
    ruby_eskimo Posts: 4,526 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    Well done on maintaining the OP's every little bit adds up to big savings.
    Emergency Fund - £7992.62 / £10,000 :: Total Mortgage OP - £34,692
    LISA 24/25 - £0 / £4000 :: NSD 2024 - 13 / 180 :: Moving Fund: £838.83 :: Decluttering - 143 / 365
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • LeighofMar
    LeighofMar Posts: 672 Forumite
    First Anniversary First Post Name Dropper
    Every OP counts. Hope your conservatory roof stays dry. 
    Mortgage start date Dec 2015 - $64,655.00
    Mortgage end date Dec 2045 - NOT!!!!
    Mortgage balance  - $4600.00
    Business Savings $43,310/100k
    Hope to be mortgage-free by end of 2023 
  • jjmmww1
    jjmmww1 Posts: 127 Forumite
    First Anniversary First Post Name Dropper
    Quick update from the last few weeks when the rain hammered down.  Conservatory roof is still leaking  :(  but the main roof as not leaked yet so trying to work out if that one only leaks in really heavy rain with strong wind.  

    Will need to get someone out to look at conservatory before the winter not sure where to start or who to call out roofer or someone else?
    Mortgage 167,565/183,000
  • jjmmww1
    jjmmww1 Posts: 127 Forumite
    First Anniversary First Post Name Dropper
    Finally got someone out to come and sort the roofs as they all still leak  :( but expected

    Total quote was £900 which i guess isn't to bad and hopfully also stopped the problem of some reoccurring damp in the lounge and 1 bedroom (its not to bad but keeps coming back now and then). Only our shed roof that leaks after that which can wait as its only really full of junk then can get it kitted out ready for next winter after xmas.   Boiler service in December as well should be clear sailing after that
    Mortgage 167,565/183,000
  • jjmmww1
    jjmmww1 Posts: 127 Forumite
    First Anniversary First Post Name Dropper
    Roof sorted now so hopefully no more leaks for us.  
    Finally got our drop kerb approved now so now just looking at prices for this 2 quotes so far and its looking like 4.5k for the cheapest all in drive and drop kerb done.
    Mortgage 167,565/183,000
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