I was a lurker, but inspired by this thread to start my own diary and although my figures are positively small fry to some - its still my mortgage.

A bit about me, took the plunge and bought a house age 50 plus by myself, everyone asked "Are you mad?" But thought - I can do this.

Bought at auction, so got a bit of a bargain (the only way I could afford a mortgage) and had what I would call (in my terms) a nice deposit. Took out an 80% mortgage, and lenders would only give me an 18 year term, 2 years fixed at 4.5%, so in my eyes I have already knocked 7 years off my mortgage - how's that for positive thinking?

I'm now 3 years down the line and have already made the classic mistake, did not renew my fixed term after the 2 years (and still haven't) as it reverted to 3.99% which was lower than I was paying and on making my first large overpayment, they reduced my monthly payments Little did I know what I know now. So its time to get my mortgage in order.

I have about a years mortgage savings - and about 3 years mortgage payments out on loan at the moment.

I pay a minimal 45.00 into an isa every month, but was thinking of adding this to my monthly mortgage payments when I remortgage thus reducing the years even further. What do you think?

I work full time and overtime is available for the moment although I never accept, as I go in early and stay late - could class that as overtime,

As you can tell, I'm a bit obsessed with overpayments, but well - you can see my point - at my age, want to be "mortgage free" asap.

My Motivation Madness;
I have a simple method to keep me motivated, only thing is to explain I make it sound complicated and only works if you have a sub account as well, but you could adjust to suit yourself.

• "Always have 0.00 at the end of your mortgage"
• This way the least/most you will pay is 9p or 9.99
• On flush days you could go for 00.00 at the end or even 000.00

I know, I know, I need to get out more Good Luck whatever you decide.