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The Ongoing Saga of Ruby Trying to Own A Home
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@ruby_eskimo - I'd love to hear updates on how it's going with vinted, I've a pile of things that are too nice to give away, but truly are no longer in my regular rotation of favorites!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!1
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rtandon27 said:@ruby_eskimo - I'd love to hear updates on how it's going with vinted, I've a pile of things that are too nice to give away, but truly are no longer in my regular rotation of favorites!
Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20173 -
Congrats on the promotions. How is the kitchen coming along? Or is it finished now?
*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Hope the building works are all done now Ruby and you're enjoying the new spacesMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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Thanks @Sarahwithlove and @debtfreewannabe321. Kitchen is mostly done apart from a few little bits of coving and skirting that need putting back and some paint touch ups. Most recent project is the hallway and landing and we had the plumber here yesterday trying to fix the hallway radiator which hasn't worked since we moved in. The irony of having the heating sorted on the hottest day of the year isn't lost on me! But it's all sorted now so the next thing is for the team to come back and box in the pipework and then replace the dado rail and then we can start painting. It will make a huge difference to the house by having it all painted, and another step closer to having a house that's more "us".
It's been quite funny because DH's sister is looking to buy her first house at the moment and is rinsing us for all our tips and advice when it comes to house purchasing and renovation 🤣
First of the month and the money shuffle has been completed. This month is looking like quite a busy one but will be trying to keep the expenses down as much as possible where we can. I'm not designed for all this socialising!
Oh and those keeping up with the saga of my dad's health - he has a new surgery date for 4 days before I'm due to go on holiday in September 🤦♀️ Very much hoping he gets moved to an earlier date or they end up doing the very minor version of what they planned and he's home after 1 night 🤞🤞🤞🤞Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20177
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