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PoppyOscar, Le Cochon and the MFW adventure
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awwwww - thanks evab!
really appreciate that! sometimes i find it really tough - like right now!!!! i haven't even had a text since i got back. i know he's busy, but............
hopefully things will change for the better soon.
anyway - just been to pick up leo, who is very happy to see me and now having a miaowing and purring frenzy just in case i didn't notice he was home (which i did!!!)
PO xx
2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0 -
hi all,
how sad is it that i'm completely over-excited just because some piggy points which i'd forgotten about all got credited at once to my account, bringing me up to £9.37!!!!! that means i'm close to a voucher!!!!!! i was miles away!!!!
happy days!:D
po xx2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0 -
ok, so now i'm not so excited because i have just discovered you now need 1150 points for a £10 voucher.......
oh well - click on!
po xx2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0 -
heard yesterday that my post at work has been regraded in an upward direction......:D good news for the overpayments. it will take effect from this month although won't appear in the pay packet until next month (with back pay) so don't know how much difference it will make, but anything is better than nothing. also my standard mortgage payment is down by a fiver too which will all help!!!!
the new post at work has now been advertised too - i'm going to be be putting in an application in the next couple of weeks - there's another even better one too, which i may try for although a cat in hell might have a better chance. even so, my boss says it's good to show the intention and another more generic version of this one may come up soon (i don't really have the specialism they're after, although am not a complete numpty at it).
onwards and upwards - i hope!!
also have had my first water bill which turned out to be £26.13 for the quarter which seems pretty good to me - especially as i'm more a bath person than a shower person!!!! am almost in a position to post an soa, which i'll try to do at the weekend.
hope everyone is surviving the week!!
po xx2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0 -
wow I can't believe your water bill, we have tried to contact water company to get a meter but still waiting for a response, I think we could definitely reduce our bills which are currently £36 a month!0
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hi ev!
remember there's only me!
- the washing machine only goes on once a week and the dishwasher every two days - but i still think you could make a saving on £36 a month. i just set mine up as a dd - they said 10.18 a month whoch is over what i've spent so far, but i have been away for a total of a month in that time too, so i'm happy with that. i think they adjust it if they need to anyway.
other developments - my travel for march has come in at £231 so that'll be my overpayment for beginning of may. travel for april is really bad - it's only going to be about £50 the way things are going, so i'll try to add other stuff in to get it up to three figures when the time comes. I think i should get back pay for the regrading in may so that should help!
have a good day,
po xx2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0 -
:j :T :j
I got a letter from the Halifax today saying they have refunded the £10 they took for altering the mortgage term and apologising for their cashier not mentioning it!!! It was worth the stamp!!
Thank you Halifax!!
PO xx 2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0 -
great stuff poppyoscar :T :TMFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
Original Mortgage o/s £187,643 / £71,904 (-115,739)
Repay o/s £92,661 / now £55,900 (-36,761)
Int Only o/s £94,982, now £16,004 (-78,978)
Total daily interest £1 [a) £0.77 b)£0.23
Total OP's:2018 target £TBC YTD £1,9950 -
happy weekend everybody!
i'm going to spend it putting together a couple of job applications and trying to get my head around the prospect of interviews - not my favourite pastime!
i would love either of the jobs i'm going for and they're both more money too so that's some extra motivation.
next weekend it'll be the next visit to the Halifax to overpay for May!
i'm excited already!!!!
po xx2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0 -
new sofa and chair arriving this afternoon - will look great in the living room once sister's ex b/f comes to take the old one away..............IN JUNE!!!!!!!:eek:
until then pretty cramped i guess, but great if i need to seat lots of people!
and maybe i can persuade someone to put up the curtains too
this is turning into a home!:D
po xx2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!
But now I'm not - (Joint) Mortgage £104704.New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%No 17 Lewis Lane0
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