Skinny Latte's Mortgage Mugging

12357…39

Comments

  • SalsaDanca
    SalsaDanca Posts: 434 Forumite
    First Post First Anniversary
    Skinnylatte wrote: »
    Thank you for subscribing, and good luck in your journey, do you have a diary?
    It's funny as I was just thinking about some Salsa lessons today :rotfl:

    I haven't started a diary yet. I'll get an opening post and an SOA written this week - it will be a good distraction from the packing I'm meant to be doing.

    Unfortunately, it's been a while since I did any Salsa lessons. For the last few years I've been commuting into London, which hasn't left much time for anything else. I'm hoping to start dancing again soon.
  • Skinnylatte
    Skinnylatte Posts: 1,243 Forumite
    First Anniversary First Post Debt-free and Proud! Home Insurance Hacker!
    Aaargh, I think yesterday was 'Forget to take your lunch to work day' as I wasn't the only one and cost me £2.50, then at 10pm, both the kids said 'lets go to macd's for a hot chocolate, good driving practice and family time (2 sets of big brown pleading eyes)'. How could I say no??? £5 down on hotchocs and cheese bites. At least I remembered to keep the stickers for a free coffee.

    I had a WONDERFUL email from my highly talented accountant. She'd been back to 2008 with my tax returns and found I've over paid £500 in tax. She's claimed this for me and apparently a cheque is on its way :j:j:j

    Also, after being turned down a couple of years ago for a PPI claim, I'm having another go, so fingers crossed :o

    I've done a fair bit of work milage today, claim when it goes in will be around £60 plus some more tomorrow.

    DS has his driving theory attempt 2 tomorrow to fingers crossed for that too.

    I have a lovely friend in Istanbul, so was worried when I heard the news of the bombing today, she is fine though. I was at the blue mosque with her in November last year. Why can't people just live in peace, it does upset me.

    I seem to have comitted to a few weekends away which need organising and tickets buying soon, and I seem to have deleted my holiday savings account in my new year reorganisation :( need to have a rereorganisation, as I have no holiday money. If you've followed my last diary you'll know I like my frugal breaks...Airbnb, hostels and ryanair are my best friends. Last year a friend and I used airmiles to get to Turkey and stayed in a cave hotel for £8 a night (including breakfast :T)

    Ebay bids still at £20.02, uploaded a new video to youtube last night and sold 2 sets of those things I sell through my website, so a good day in all :D
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]     £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]     £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    great tax refund and mcds cheese bites are the best yummy:]
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Congrats on the tax refund! :)

    Fingers crossed on the theory test, DH needs to do his practical soon.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
    Nice bonus with the tax refund, will you put some aside in the new hols pot?

    Well done on eb@y, utube and the website sales.

    Good luck to DS for tomorow too. :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • safehouse
    safehouse Posts: 710 Forumite
    Combo Breaker First Anniversary
    Oh I know the sad eye trick so well lol
    Great news with the tax refund :j:j
  • Skinnylatte
    Skinnylatte Posts: 1,243 Forumite
    First Anniversary First Post Debt-free and Proud! Home Insurance Hacker!
    DS failed today :( by one mark too. The next test is rebooked but I said he had to pay for that himself, a bit of incentive.

    I had my mortgage interview today, they recomeneded a life time tracker, currently 1.95%, it has an offset facility, and no early redemption or overpayment fees. Even better the valuation and legals are all free :D The fee is £999
    They are going to send me out an application pack, I can not see one reason why I shouldn't go ahead.

    Ebay sales at £32 and t0pcashback £4.13, no where near my £310 target by the end of the month, although do you think I can count my tax rebate....;)
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]     £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]     £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
    How frustrating for DS being one mark away :(

    Great news on the mortgage interview and a step closer to where you want to be :)

    Yes! Definitely count the tax rebate..it's unexpected money after all :D
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • newgirly
    newgirly Posts: 8,928 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Morning skinny latte, just wanted to (belatedly!) wish you all, the best with the new mfw diary :)
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • Skinnylatte
    Skinnylatte Posts: 1,243 Forumite
    First Anniversary First Post Debt-free and Proud! Home Insurance Hacker!
    newgirly wrote: »
    Morning skinny latte, just wanted to (belatedly!) wish you all, the best with the new mfw diary :)
    Thank you not so newgirly!

    Job interview today !!! I cringe when I think about some of my asnwers, but suprisingly it seemed to go well.
    Just wait and see if I get a second interview now. The new job, wouldn't be a great deal more, but the pension is better, there's a car allowance, share options and an on call payment.

    Only spend today was £1.50 at a ladies social event I went to, I met some really interssting people, including a lady who had sailed around the world!

    Friday tomorrow woohoo :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]     £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]     £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015
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