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I wanna be mortgage free!

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  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Right, bathroom is in the living room in boxes. Trying to motivate OH to go into loft and sort stuff out so we can put some things out of the living room into it. This will hopefully create space for the 6 internal doors, fire, tiles for bathroom and wallpaper that is being delivered on Tuesday!

    Then hopefully he will rip all the tiles off the bathroom wall tomorrow....get a soil pipe sorted on Tuesday and start tiling when the new stuff arrives! I'm so expectant!

    I guarantee none of this will happen as OH will moan moan moan and sit doing things he shouldn't instead! Grrrrr....
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I've written the essay but don't know if it actually makes any sense. So I've decided to leave it and come back to it another day. I'll print off a few articles I need for the next one, perhaps do the third and then reread the 2nd. Does that make any sense to anyone else?

    I'm trying to resist the need to write another list but I fear I may have too! :eek:
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    twinklie wrote: »
    I've written the essay but don't know if it actually makes any sense. So I've decided to leave it and come back to it another day. I'll print off a few articles I need for the next one, perhaps do the third and then reread the 2nd. Does that make any sense to anyone else?

    I'm trying to resist the need to write another list but I fear I may have too! :eek:

    Makes perfect sense to me :o. When I did my OU degree my 1st tutor told me to write all 4 essay plans in exams before writing 1st actual answer - that way part of your brain could tick away in the background on all the others. I think that's what you're aiming for :confused:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 11 August 2009 at 1:10PM
    Sorry couldn't resist. Trying to get focused for next week now.
      General
      [*]Finish sorting through my cupboards in the bedroom and dig out anything else that is for the charity shop.
      [*]Clean the office OH is doing his half first
      [*]List things on ebay...just waiting for a free listings day.
      [*]File all bits and pieces.
      [*]Take tv stand to b & sil's house.
      [*]Take old toilet to the tip.

      UNI
      [*][STRIKE]Read articles for 3rd essay. Only 2 more articles left to read[/STRIKE]
      [*]Reread and rewrite the 2nd essay.
      [*]Write 3rd essay. 764 / 800 - still needs work though.
      [*]Do portfolio
      [*]Print of assignments ready to hand in
      [*]Find out how to submit assignment.

      DIY
      [*][STRIKE]Clear space for b&Q delivery.[/STRIKE] Although some of the doors aren't coming so will have to have ANOTHER delivery!
      [*]Rip off tiles off back wall in bathroom.
      [*]Prepare the wall for retiling.
      [*]Pull out existing toilet.
      [*]Get new soil pipe.
      [*]Retile.
      [*]Dig out and remove old soil pipe.
      [*]Install new soil pipe.
      [*]Install new toilet.
      [*]Install new bath
      [*]Have a bath to celebrate!!


      I think thats probably enough for one week really...but I'll add to it if I think of more. :D
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      Despite my wanting to get going and have a doing day today...OH will NOT get out of bed. He'd doing my head in. I've cleaned the kitchen, put on a wash and put it out. I'm stuck now till he gets up! Grrr....
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      edited 10 August 2009 at 3:23PM
      Ok, trying to get organised with regard to the mortgage and look at how OPing is going to affect us. So I've done a guesstimate with regard to September. We shall see how correct I am at a later date!

      Mortgage at start of September: 40'926
      Overpayments in Blue.
      Interest in Red.
      Balance in Green.

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

      September: 450.00 (328.81 / 121.19) / 183.83 (6.13) / 266.17 / 40'659.83

      Totals: Payment / Interest / Net reduction.

      Minimum: 450.00 / 183.83 / 266.17
      Maximum: 450.00 / 183.83 / 266.17
      Average: 450.00 / 183.83 / 266.17
      Grand Total: 450.00 / 183.83 / 266.17

      Playing with the spreadsheet calculator it should move our MFD to Jan 2019.
      Is it wrong that I'm proud of my financial wizardry today??? I should get on with my assignment really. Yawn...ah well...needs must.
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • earthgirl
      earthgirl Posts: 3,762 Forumite
      Mortgage-free Glee!
      twinklie wrote: »
      Is it wrong that I'm proud of my financial wizardry today??? I should get on with my assignment really. Yawn...ah well...needs must.

      No I think its great, I have no head for figures, but its great to see your predictions :beer:

      Hope your assignments not too bad. How did you get on to the master course? Can any teacher do it?
      15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

      Progress not Perfection
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      Yeah, any teacher can...there are different routes dependent on what you want to do/get out of it. TBH I got on mine at the same place I did my PGCE because of the massive price reductions involved at doing it at an institution that you have already studied with.

      Just look at the institutions near where you live. I'm only actually in about 3/4 saturdays out of the year...most of it is self study in your own time. And it generally does fit in with what I'm doing at school as well.
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      edited 11 August 2009 at 1:11PM
      Woo hoo...OH is on the phone booking his dad for Friday! It's full steam ahead with the toilet that day then! Yey. I'm very very excited about this!!

      I can almost see my new bathroom taking shape! Yey.
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      edited 11 August 2009 at 2:36PM
      Soooooooo frustrated I have been signed up to love film for AGES, in fact it was Amazon DVD rental I signed up for. Just tried to cancel it and it won't let me...says I need to ring up. So I emailed someone saying I wanted to cancel and they said I could do it online!!!

      It wouldn't let me do it so I've taken a 12 week payment holiday instead. I'll try canceling it again tomorrow. Grrr....

      In other news, the B&Q delivery has arrived and all my stuff looks yummy. I'm sooooo excited. The bathroom tiles are far nicer than I remember! Very strange. Right...time for a shower...its a MS tea tonight which is exciting! Pizza anyone?
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
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