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Hurrah, my MFW quest has started

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  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    So.. my car has decided to develop a fault, it's flashing up a few error messages and as I said on Froggys thread one of them is ABS failure which sounds expensive! I'll be taking it to the garage to get checked but have had a quick rummage on some car forums with others reporting the same fault and they all look to have been charged £600-800 for the repairs.

    Fingers crossed that you are right Froggy and that it will either be a reset or simple job

    It's typical really as I think I'd mentioned about changing the car a few months ago as it felt like something was going wrong every two seconds and then it settled down so I put it to the back of my mind

    Regards
    ATT
    MFW 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 £1,995
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Sorry about the postathon, I seem to have the time and be in the right mood tonight ;)

    Got my BOS details through today so will whizz some money through (not decided how much yet) and then open the 12 month savings account with £250pm savings

    I'm still looking for an ISA calculator that shows the benefits split by normal and higher rate tax payer so if anyone knows where I could find one then please do let me know

    Regards
    ATT
    MFW 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 £1,995
  • Don't apologise for posting, its good to have you on here!

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • TallGirl
    TallGirl Posts: 6,216 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Don't apologise for posting, its good to have you on here!

    MCI

    Totally agree good to have you back. New job sounds good, car troubles not so. Don't you get a company cat with all that travelling? Fingers crossed its not too bad to get repaired.

    Sorry am a low rate taxpayer so no idea on how to find a calculator to work that sort of thing out.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • pavlovs_dog
    pavlovs_dog Posts: 10,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    what books did you get ATT?

    I've just started the last book in Phillip Pullman's Northern Lights trilogy. Very good for children's literature. You definitely get the sense that the story was always intended as a trilogy and books 2 and 3 weren't simply a cash cow (big bug bear of mine)
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Afternoon all, guess who is home poorly sick :o

    Not so bad that I can't update and browse on here though so will get started!

    Hope you are all well and safe and snug away from all this snow?

    Regards
    ATT
    MFW 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 £1,995
  • Hi ATT, I've just come on line whilst stopping for lunch, sorry to hear you're under the weather.

    Being snuggled up at home when it's so cold, sounds like a good plan.

    Take care, Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Don't apologise for posting, its good to have you on here!MCI

    Aw thanks MCI, that's very kind of you to say :D
    TallGirl wrote: »
    Totally agree good to have you back. New job sounds good, car troubles not so. Don't you get a company cat with all that travelling? Fingers crossed its not too bad to get repaired.

    Hi TG, thanks for stopping by

    The good news is that the day after I posted about car troubles the warning beepers and messages went off. Actually, I'm not sure if that is a good thing or a really bad thing e.g. might those problems still exist and just not be flashing up now? Not used the car for week now and with this weather not likely to for a while yet :eek:

    Re company car, yes, I do get one but have always just taken the allowance, my travel can be so hectic with lots of moving around that a car would just not be practical e.g. I might leave by train, move on somewhere else during week (every day on occassion) then have to return via flight.

    The other thing I never want to do is get in a car for a long drive when I've had a reallllly long day at work

    PS, TG, I love your typo, you said company cat :rotfl: I know you love your cats and was just musing whether you or others might appreciate a company cat :rotfl:

    Regards
    ATT
    MFW 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 £1,995
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    what books did you get ATT?

    I've just started the last book in Phillip Pullman's Northern Lights trilogy. Very good for children's literature. You definitely get the sense that the story was always intended as a trilogy and books 2 and 3 weren't simply a cash cow (big bug bear of mine)

    Hi PD, thanks for stopping by, I hope you are well. I think your's was one of the first threads I used to read when you were in 'saving up for a mortgage' stage :D

    I don't have the books to hand but they were a Boris Johnson history book (I lurrrrrrve Boris yet have no idea why :p) one on history of Rome, one on egyptian history, one about word entomolgy and a couple of fiction ones by Terry Pratchett and Robert Rankin!

    I haven't read the Pullman ones, I know of them and actually own one as part of my 'buy already valuable books and/or ones that I think could be of future value) hobby. Not that I've done that in a while, like many things the book market is also depressed and I've better things to do with my money at the mo

    It's good that you enjoyed it and felt that the sequels were good ones rather than the cash cow, I know what you mean!

    Regards
    ATT
    MFW 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 £1,995
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi ATT, I've just come on line whilst stopping for lunch, sorry to hear you're under the weather.

    Being snuggled up at home when it's so cold, sounds like a good plan.

    Take care, Tilly x

    Thanks Tilly, you're right about home being the best place to be. I think even if I wasn't under the weather that is still good advice. Don't know what your place is like but we are up to about 8 inches of snow now and it's pretty much not stopped since about 8 this morning :eek:

    Enjoy your lunch, I hope you are at home today too?

    Regards
    ATT x
    MFW 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 £1,995
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