our story

Meno

I goto Lidl first and then a more expensive s/market afterwards to get whatever i cant get good value for lidl

lidl is good for fresh fruit and veg:money:

ernie_3

A few things have changed sinace we initially started our thread. In May our balance was about £16,000. We were having a coffee one day and the wife asked me how we were going to fund the campervan once the mortgage was finished. I explained that i would have to get another mortgage for about £30,000 say it was for home improvements!!!!.
She said lets do it now as the rates are low and we dont know as or when they will go up. So in June i remortgaged for £36,000 for home improvements. We bought the van privately on got it converted in august.
We now have a mortgage of todays date of £47,800. We have a fixed rate{which is what i wanted} 5.19%. We pay £650 a month. As from January 2010 i will over payments of £150. So hopefully by about 2016 ish we should be MF.
Our daughters are growing up fast they are 14{going on 22} and 16{going on 24} ha..ha..ha..
Of course i want to be MF but finances are tight all over, i could overpay more but its down to "balance" again
Take care all from a sunny/wet/windy/dry Plymouth

dimbo61

are you still with YBS ?
I have a fixed offset for 5 years with them at 4.74%
Want a t5 bilbo/calfornia or devon monte carlo family 4 when the MF is sorted
will have cleared 50% of my mortgage by xmas!
Sons off to uni in 2 years IF they get through college so aim to be MF ( with offset ) in that time.
Dont forget to use quidco when shopping online
GOOD LUCK

golfiematt

well done on realising your dream and getting your van, you only live once so i hope it gives you plenty of enjoyment!!:beer:

ernie_3

dimbo61 wrote: »

are you still with YBS ?
I have a fixed offset for 5 years with them at 4.74%
Want a t5 bilbo/calfornia or devon monte carlo family 4 when the MF is sorted
will have cleared 50% of my mortgage by xmas!
Sons off to uni in 2 years IF they get through college so aim to be MF ( with offset ) in that time.
Dont forget to use quidco when shopping online
GOOD LUCK

Thanks for the comment, Yes still with the YBS
If you are serious about the t5 get a van then get it converted, i used a converter in Bideford, Devon called south west camper conversions, believe me his workmanship in far superior to the off the shelf vw california.:rotfl:

ernie_3

golfiematt wrote: »

well done on realising your dream and getting your van, you only live once so i hope it gives you plenty of enjoyment!!:beer:

thanks for your kind words, it doesnt feel such a "negative " feeling when paying that payment each month when we are getting so much enjoyment.
If it wasnt for this forum and all the encouragement from everybody we would have not paid off so much and be in this position. Still focused now to be MF.;)

drewwa

Shame about the Golfs (love the old Mk1), but needs must! Well done.

Cheers,

Drew.

ernie_3

:)just an update..Mrs Ernie got made redundant:mad::mad:, still trying to overpay, checked the balance today £39836.

So not too bad still want to get it cleared by Sept 2014 with an overpayment at the end

To all please keep all the "stories" going..cos it keeps me going:D

Bye from a cold but dry Plymouth

Ernie:)

Catanddogs

Sorry to hear about your wife's job ...keep up the hard work!

ernie_3

:jLittle update..balance today onilne is £34,576..we pay £900..overpaying by £250..should be £650.. i reckon july 2014 with £6,000 one of payment:T

As always to "all"..please keep up the good work:)

Ernie..its overcast in Plymouth