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SLLM (Single Lady Large Mortgage)
Comments
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badmemory said:Where are your outside grids? I'm guessing near the kitchen window but what about round the garage, maybe water draining off the roof?By the kitchen window on the outside there is no grids(is that the drainage?), the pipe work from sink/washing machine do run by the window on the inside and the is a pipe in the kitchen which also comes from upstairs bedroom by the bathroom, goes into ground from inside house into manhole inside neighbors garage. Behind garage there is where water drains from roof, corner marked C on picture. Can waste water from washing machine go into there?Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓0 -
Well mine does!
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badmemory said:Well mine does!Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓0 -
UIPDATE 2UPDATE
Expenses
~ £1500 dishwasher done ✅ final price £800 managed to get exact one on eBay ao outlet shop. Dishwasher has several dents but for the price I can put up with that!
~ £1100 cooker ✅ final price £1136
~£500 extraction hood ✅ had budgeted £500 decided on a cheaper one which suited my kitchen better final price £225
~£700 washing machine ❓~£500 Electrian to add new wiring cooker hood and hard wiring for
cooker ❓
~£1000 new plumbing to garage ❓
I will let the plumber do the work and use the old washing machine then later when all set I will then buy new washing machine.Ordered the 5 burner range cooker earlier today. They had said it will take 2wks to delivery but had a call this evening and they were going to be able to deliver it on the 11th but I opted for them to deliver on the 16th as I have another delivery coming on the 16th.Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓1 -
At least it will only be one water pipe to go through as most washers are cold water fill now.
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badmemory said:At least it will only be one water pipe to go through as most washers are cold water fill now.Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓0 -
Energy bills truly getting out of hand
Remember when I posted thisNow it’s moved to thisAt this rate I will soon be paying £1000 per month just for energy.Feel free to post pictures of how your bills have changed!Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓0 -
Well I don't think seeing my bill will help any as it certainly didn't me. British gas told me they expect my usage on the new rates from April 1st to cost £3100 for the year & if I take the fix they are offering £4400 for the year. I was £10 in debit at the end of March. So why on earth have they reduced my DD to just under £220/month, almost £500 short & the price is going up again in September. However a debt of £500 does mean that they won't let you move to another supplier. Me cynical never. Mind you I don't trust BG since they tried to charge me for fixing a gas leak that they left me with when they fitted a new meter.
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@badmemory, your direct debit has gone down? You are doing better than me. The -ve balance I can clear before hand if I needed to move supplier but I can not be bothered to move at the moment. What I will do is maybe go into my account and increase my direct debit by £100 or more hopefully since it is warmer season I can be in credit by beginning of next winter.Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓0 -
Hello Sistergold. I am 50 and separating from my partner of 27 years and about to buy a house. I wanted to thank you for this diary. I am only a page in and already I feel it will be invaluable for me. I wake at 3am with my heart pounding, worrying about the responsibility on my own. I organised so much of the finances, food, bills etc and yet weirdly when I don't have my husband around I think I will be some how incapable. I love that you went on courses to teach yourself DIY skills. Brilliant.4
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