I really really want to be........mortgage free!

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18081838586151

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  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
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    All sounds good. I sell quite a few things on eBay and do quite well, all fairly high value collectable items though. Not tried selling anything for under three figures apart from the odd car part for something I no longer own.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • chumpy45
    chumpy45 Posts: 495 Forumite
    First Anniversary First Post
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    Well done on the Ebay listing. I am fairly rubbish with Ebay. I have had more success with my local Facebook Things for Sale, and our internal staff email system. As long as they sell, that's the main thing. DH has decluttered the garage this weekend, something he's very proud of. Unfortunately, didn't find anything worth selling, but it is nice and tidy!!
    Starting Mortgage 01.08.08 £171,209.24. [STRIKE]01.08.16 £42,418.93[/STRIKE]; [STRIKE]01.02.17 £36,584.00[/STRIKE]; [STRIKE]01.04.17 £34,694.7[/STRIKE]1 [STRIKE][STRIKE]09.06.17 £32,828.89 MFW Target date Sept 2017; :[/STRIKE][/STRIKE]) [STRIKE]06.08.18 £24,769.47[/STRIKE] [STRIKE]01.11.18 £23,825.00[/STRIKE] [STRIKE]22.01.19 £21,990.00[/STRIKE] [STRIKE][STRIKE]06.02.19 £21,200[/STRIKE][/STRIKE] [STRIKE]03.03.19 £19,862.93[/STRIKE][STRIKE]01.05.19 £18,509.63[/STRIKE] [STRIKE]01.08.19 £16,750.00[/STRIKE] [STRIKE]01.10.19 £15,400.00[/STRIKE] [STRIKE]01.11.19 £14,700.00[/STRIKE] 01.12.19 £13,956.00 01.02.20 £12,503.61 01.04.20 £10,999.00
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
    edited 22 November 2015 at 6:47PM
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    I'm really not a big fan of eBay, but I'm not a fan of throwing things away either so every so often do a spurt on it. I think I'm about £50 up so far after fees. May go to Christmas, may go as an OP. Will wait and see.

    Need to make a couple of small purchases today, gonna try and keep it under £20.

    Edited under £10 spent. Present delivered to my dad for birthday. Family usual insults / harshness have decided not to go there for Christmas.
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
    edited 27 November 2015 at 12:14AM
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    The standard OP and regular payment has gone out today. So stats this month currently stand at......

    Mortgage balance £128,628

    Milestones
    - capital reduction of over £1000 this month
    - under £129k

    Interest paid Nov 2015 - 264.46
    Interest paid Nov 2014 - 300.76

    £36.30Less paid in interest this month than last year thanks to the OPs.

    Total OP this month : £655.63

    Total YTD : £4176.79.

    Savings now stand at : TBC

    kW generated : TBC

    Not having a great week, not getting on with the parents at the moment, I'm really really angry with them but trying not to loose it. Unfortunately I have a family full of bully's who revert the blame back on me. So stressful. Not feeling happy with them and currently don't want to even set my eyes on them.

    That aside things are going very well, OPs are very good this month. Put in my FIT figures a couple of days ago so I'm expecting about £100 ish.

    Had a fantastic time with Miniocc we went to a gymnastics class then home and made some ninja turtle Christmas decorations and some flapjacks. Then we read 4 pages of his new level book. He started on 2 pages at a time now we're up to 4 pages :)
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
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    Excellent figures but sorry to hear about the parents.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • diamondsonly
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    I love your year on year comparisons OOC. It's fantastic to see the progress you've made.

    I'm sorry to hear about parents/family. We have similar issues and have booked a break away over Xmas just try and avoid drama. Xx
    1.7.15: £157,469.64, 10.02.16: £93,434.74
    FIT-4 #34, MFW 2016 #89 (£7350/24000)
    Target MFW Dec 2018
  • ourcornercottage
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    Thanks for the support guys :) am avoiding Christmas all together :) wish we could go away but work Christmas Eve.

    Last week of my first counselling course this week now just need to do the written work. Signed up for new course in January so on to part 2.

    Miniocc teacher has recommended additional omega 3 to assist with concentration. It's a bit tricky with us being veggie but ordered some kids omega 3 veggie tablets £30 for 3 months supply but worth a try as his concentration is terrible.

    Money wise things are ticking along. Finally got round to ordering new fridge that we've been meaning to for 2 years!!! Money has been on one side for this for 2 years now but been holding out. Went through TCB of course!

    listed a few bits and bobs on eBay, should hope to get about £100 in total.
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
    edited 27 November 2015 at 12:28AM
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    Additional op of £534 part of some money I've been given.

    Edited as forgot to say booked another plasterer as original is still awol. Will be pleased to get that done next week :) carpet is ready to say too. By end of next week small bedroom should be nearly done. Then onto beds 3 and 4 in 2016 :)
  • hiddenshadow
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    Nice!

    That reminds me, we still need to find a plasterer. :( We had a brilliant one who lives nearby (and is super cheap), but he's too busy with family stuff to do ours as an add-on. Shouldn't be too expensive (just need the downstairs toilet and a small patch of wall in the lounge), but it's more hassle.
  • CathT
    CathT Posts: 7,120 Forumite
    First Anniversary Name Dropper First Post
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    Great progress OCC.
    May 2024 - part 1 - £29,628 part 2 - £24,612 Total - £54,240 42 months to go!
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