Overpayment Addict

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  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    40p cashback earnt on my creditcard :) thought I'd best write it here before I forget. Havnt listed anything on ebae, won't list until I've settled in my new job and can work out when I will be able to go to the post office.

    So September might be a slow month for money saving but I'm determined to stick to my budgets! Money in and all over the place with my old job and new job and lots of different changes I feel like I don't know where I am or what is going to be coming in the next few weeks and it hate that feeling... feel so unorganized....
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • Dragonrider
    Dragonrider Posts: 168 Forumite
    First Anniversary Combo Breaker
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    Hiya,

    Have been following your diary for a while - congrats on the progress and new job!

    Am newly single myself, with a whopper of a mortgage, so am looking for any inspiration I can find....

    Dragonrider
  • nellis10
    nellis10 Posts: 1,350 Forumite
    First Post Name Dropper Photogenic First Anniversary
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    I love how far your mortgage has come down!
    What a fantastic testament to your perseverance!!
    Keep going and good luck in your new career!:T
    2024 Challenges
    • Grocery Budget (January £0/£300)
    • Decluttering (Underway!)
    • Frugal Living (January £0/£500
    • 24 in 2024 (0/24)
  • maia_evo
    maia_evo Posts: 79 Forumite
    First Anniversary
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    Give yourself the breathing space to sort through the new changes. Your strong good habits will shine through I'm sure. Enjoy.
    Take care of the here and now and the future will be taken care of.
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    Thank you all!! Change is good. It's just the uncertainty of whether it's the right choice or better choice that gets me a bit scared. And also going i to a new company And industry aswell. But first day yesterday was done and feeling positive!! :)

    I feel knackered after a full day's work as I've been part time for the last few years so just need my body to get used to it again. Got my coffee ready to go. I don't feel rushed to go to work either as I have 30 mins spare after dropping DD to breakfast and driving to work so it might be my catching up on diaries time :)

    Yday when I finished I popped into mns and found lots of yellow stickered meat! 90% off.. bought loads. All portioned and in the freezer. One large family sized pasta bake also portioned off and have made a few lunches too to take to work :)

    Put Petrol in the car this morning... the rest of the week I don't really need anything so should be no spend days hopefully!! Hope everyone has a nice day :)
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    £21 cashabck has been confirmed on TCB For getting my new 0% Interest and 0% fee balance transfer card :) just waiting for this to become payable before I add it into the total.

    Balance not transfered over as I spelt my name wrong... used an m instead of an n... must remember to double check everything but the man on the phone said this should be easily rectified in-store and I have 90 days to do the balance transfers so plenty of time. Will try to do this tomorrow.

    Been taking lunch to work everyday as I really don't want to get into the habit of buying things. So far so good :)
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    1. Ebae earnings - not listed anything due to new job
    2. Surveys/mystery shopping -
    3. Interest/Cashback from 123 account - £11.68
    4. Other cashback!
    5. Savings from weekly budget - £19.55
    6. Overtime in work - not sure what's what with the end of my old job and start of my new job
    7. Other (£1.26 + £90 pending TCB won't count this until it's been paid. £21 confirm but not payable yet)

    Will also be receiving 5% of total spend using android pay in Nov for all purchases until end of Sept.!
    Santander 5% regular saver will be paid in March 2018.(£64.33)
    HSBC regular saver at 5% will be paid in May 2018. (£81.25)

    EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
    Other target £221/£221(remaining overpayment figure for this year)
    New target Overpayment to be paid 1st January 2018 £358.11/£3200 (up to end of July)

    Current Mortgage end date August 2027
    Original Mortgage end date December 2031

    When leaving my old job I sold all my company shares and have a pot of money but not sure what I'll be doing with this yet...
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    Something terrible happened this morning... my car died ...

    So I am carless but I need a car for my job so all the money I've saved for mortgage overpayment might have to go towards a new car... which is annoying. Such a stressful day... couldn't get to work either today... so exhausted and don't know what to do about it...
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • bubblycrazy
    bubblycrazy Posts: 288 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    Ah that really sucks :(
    Is it fixable or do you need a completely new car? What about using the company shares you sold?
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
  • wildesavings
    wildesavings Posts: 176 Forumite
    First Anniversary Combo Breaker
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    Oh no!!!! How gutting.

    But be thankfu that you've got a pot of money to use! Life happens and I'm sure you'll be able to claw it back xxxxxxxxx
    Started my MFW journey in August 14 : £103,650
    2019 : £77,900
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