I Want To Be Mortgage Free!

Madcatgirl wrote: »

Hiya - nice to read your diary. Looking t your soa the savings jumps out at me as well. Unless it's for a specific circumstance or your mortgage has a really low interest rate it's unlikely that you're getting a better rate saving than putting it to your mortgage. Maybe have a play around with the mortgage op calculator to see how much difference this will make. Good luck with the ops!

Hi madcatgirl, thanks for reading! I completely agree with you! As we only have one income at the moment OH thought it best we should have an emergency fund just incase the unthinkable happens. I do see where he's coming from but I'm trying to convince him that maybe we don't need as much as 6 months wages! I will let you know if i manage to get round him! Lol!

Met a friend this morning for coffee and breakfast but only spent £4.50 so not too bad really and the breakfast was lovely!
I've had £10 come into my bank for completing surveys so that is going into the OP pot ready to make another payment to the mortgage in November.
Not a lot else to report! Trying to have a quiet weekend so we don't spend a lot of money!


Have a great weekend!
Jess x

Well, not a had great few days! I've pulled my back and have been in agony with it! Doctors gave me some painkillers but then they wiped me out so I haven't been very productive at all! I was so fed up we fell off the wagon and ordered takeaway for tea last night and then bought a big pizza from the supermarket tonight!:( Hopefully we will get back on the home cooking wagon tomorrow and after looking at my banking spreadsheet this evening we are still on track to make an OP of £300 mid November.
On the plus side I've bought some more Christmas presents and I've requested £10 from one of my survey websites that should go into Paypal in a few days.
Trying not to be too hard on myself for the spending as everyone has a slip up now and again!

Have a lovely evening!
Jess x

themadvix wrote: »

Don't beat yourself up too much Jess, back pain is truly awful and £300 is still a great OP to make!

Hope you're feeling better soon.

Thanks themadvix, I feel real sympathy for anyone who has to deal with back problems all the time because it really does mess you up!
I am feeling a bit better today so I've managed to get a couple of little jobs done!
One of my favourite jumpers had bobbles on it so I found a tip online saying to gently run a razor over the jumper to get rid of the bobbles and it does work! I also had a really sticky label on my new toilet from when we had our new bathroom fitted that I couldn't get off but I saw another tip online saying to put the hairdryer on it to heat up the glue and remove the label! Then any residue I was able to remove with a bit of nail polish remover on a cloth! Well chuffed! :T

Have a great day everyone!
Jess x

Maximum_Saving wrote: »

Hello. Good luck with your health. I began doing mortgage overpayments in 2013. Some money and more the next time add to reduce mortgage debt. Throughout 2015 I paid the maximum amount of overpayments. I am trying very hard to continue my overpayments. I am saving money to be able to pay off a lump sum on my mortgage though it has a 5% fee. My mortgage is approx £14,900.

Thanks Maximum Saving. Well done with your payments and good luck with the rest of your MF journey!