I wanna be mortgage free!

twinklie

Ok so everything is updated. Unfortunatley the final total is heading in the wrong direction!! :eek: But thats down to paying bits off the holiday that we booked before we knew about Belle, using one of our 0% credit cards.

Ah well...I'm sure once we get to January everything will start going in the right direction....I hope. Ha ha

LilacPixie

just think though Twinkle the memories you will have, plus Belle. You will get it down plus if you manage to pick up a bit of tutoring later in the term it will make a big difference

twinklie

Oh yeah I know. I don't regret getting Belle for an instant and I MOST CERTAINLY don't regret booking this MUCH needed holiday. I've never worked so hard in my life as I have this first half term! I need the break...away from everything (selfishly that includes Belle). Obviously I wouldn't have done it if I'd known we were going to have her. But since it's done....it's done!

Its the holiday that is going to get me through the next half term. I'm hoping that I'll get some exam marking this year...I applied a bit late last year. I was approved but all the scripts had been allocated by that point I think.

Sorted out all my accounts now...just need to organise DH's. That will have to wait till this afternoon though because I'm at the hairdressers at 11 and I still need to take Belle for a walk. She was an angel today as well. Let mummy sleep in till 8am. She must have known it was the holidays. What a good puppy!!

twinklie

Mortgage at start of January: £ 39'767.97
Overpayments in Blue.
Interest in Red.
Balance in Green.

Month: Payment (Std / OP) / Interest (per day) / Net reduction / Balance

January: 450.00 (328.81 / 121.19) / £178.62 (£5.76) / 271.38 / £39,496.62
February: 450.00 (328.81 / 121.19) / £177.48 (£6.34) / 272.59 / £39,224.03
March: 450.00 (328.81 / 121.19) / £176.18 (£5.68) / 273.82 / £38,950.21
April: 450.00 (328.81 / 121.19) / £174.95 (£5.64) / 275.05 / £38,675.16
May: 450.00 (328.81 / 121.19) / £173.72(£5.60) / 276.28 / £38,398.88
June: 450.00 (328.81 / 121.19) / £172.47(£5.75) / 277.53 / £38,121.35
July: 450.00 (328.81 / 121.19) / £171.23(£5.52) / 278.77 / £37,842.58
August: 450.00 (328.81 / 121.19) / £169.98(£5.48) / £280.02 / £37,562.56
September: 450.00 (328.81 / 121.19) / £168.72(£5.62) / £281.28 / £37,281.28
October: 450.00 (328.81 / 121.19) / £167.46(£5.40) / £282.54/ £36,998.73

Totals: Payment / Interest / Net reduction.
Grand Total: 4'500.00 / 1'730.81 / 2'751.26

Balance outstanding: £36,998.73

Thought I'd better put in my October mortgage update to keep myself on track.

SmlSave

Enjoy your time off

Well done Belle for letting twinklie lie in a bit

[Deleted User]

enjoy your half term twinklie
(clever belle catching on it was time for a lie in )
I am trying to see this as a long haul not an "instant" thing and life means things will go on both directions-sounds like the holiday is much needed and wil certainly prove a good incentive for getting thru till xmas- and Im sure you wouldnt be without belle- so both fantastic investments if you ask me

earthgirl

Enjoy the holiday and make sure you rest plenty x

twinklie

School
Mark all coursework
Mark year 7 homework
Mark year 8 homework
[STRIKE]Mark all tests
[/STRIKE] Plan year 7 lessons
Plan year 8 lessons
Plan year 9 lessons
Plan C2
Plan B1
Plan C5
Plan Psychology
Make psychology mock exam
Plan ITT mentor meeting for first week back.

Home
Put as many washes on as possible
Sort through DH's finance
Back everything up on hard drive
Find DH a new 0% credit card MBNA Plat Plus is the best for our needs.
Weigh up DH getting a cheap run around
Clean house
Changing bedding
[STRIKE]Buy Belle a new lead[/STRIKE]

Off the top of my head I can't think of anything else. Going to fit a LOT of relaxing in here as well!

twinklie

Slow start with the to do list...but I blame this on that OH of mine! He's being a pain in the bum today - in a nice way. Still, time to crack on with something constructive now.

[Deleted User]

twinklie
good luck with the constructive-ness (is that even a word?! :rotfl:)
long to do list for a holiday tho?! - have some rest too