SLLM (Single Lady Large Mortgage)

Sandyra

@frankersBri excellent spreadsheet tracker, like @Sistergold said if you are giving out a template then I'd be very grateful x

frankersBri

@Sistergold @Sandyra I'll have a go at paring it down to a template version for you tomorrow. Will just need to add some notes of how to use it I reckon 😀

Sistergold

@frankersBri
Thank you don’t rush whenever it’s ready it will be great! 

Xx

HelloB

Hello ladies, an accountant boffin sent me an Excel which I was hoping to add frankersBri's daily interest rates into.  Made a real hash of it!  But in case anyone is interested, I'll try and upload it. 

If you hover over the green input cells, there are handy explanations. 

Sandyra

Thank you both @HelloB and @frankersBri. I rustled something up on Excel too but my figures are slightly out, plus I think I've overcomplicated it with Vlookups. 

HelloB

@Sandyra Love the enthusiasm!  I attempted to Group/Subtotal the daily interest calc into the monthly total (adjusting for ad hoc OPs). Then I messed up the Loan Repayment file, so I didn't save it down.  I was too tired last night to just add a new tab and use SumIfs.  But congratulations on tying your numbers close to your lender's!

Ladies, do you find that you can do all sorts of whizzy stuff at work (like Excel/Powerpoint, coding within bespoke software,etc); however completely different in personal life?  My personal finances are a right mess, but this thread has prompted me to take more control.

frankersBri

@HelloB that tracker is great, fancy! I think I might steal it for my monthly tracking - thanks for sharing!

Here's the one for daily interest I have, hopefully it is helpful if only to visualise the daily interest changes! I also have a monthly one but I think I'll replace it with the one HelloB shared as it looks much better!

Sistergold

@HelloB and @Sandyra
Thank you very much for the spreadsheets! I will have a better picture of my mortgage payments and interest as I don’t have online facilities with lender. 😘

HelloB

@frankersBri Thanks for sharing your file.  

@Sistergold Hopefully with something to help track on a daily/monthly basis, it'd be good incentive for OPs and check against the annual statement WestBrom provides.  You can play around and see what the impact in real time.  Envious that you don't have an overpayment threshold!  The sky is your limit. 

Sandyra

Sistergold said:

@HelloB and @Sandyra
Thank you very much for the spreadsheets! I will have a better picture of my mortgage payments and interest as I don’t have online facilities with lender. 😘

SG, I cant take any of the glory  that was FBs doing.

Ladies, do you find that you can do all sorts of whizzy stuff at work (like Excel/Powerpoint, coding within bespoke software,etc); however completely different in personal life?  My personal finances are a right mess, but this thread has prompted me to take more control.

Oh god, yes totally, I'm on PowerPoint everyday and I love a good spreadsheet for tracking things, but for my own personal use -  Yep nada. Oh I lie, I have a tracker for insurance of some of most valuable items (e.g handbags  ) and even that's basic. I'm too stingy  to pay for Microsoft Office, so I use the basic browser free on onedrive/ hotmail.

HB this is amazing!! just what I needed - or any of you that have had a look at the spreadsheet, how did you marry up the minimum payment with your the one the lender takes out. I was gonna put in an adhoc figure in regular payment to add it up, but perhaps there's a simpler way. My minimum payment is £887.81