My big financial challenge to mortgage freedom

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  • tattycath
    tattycath Posts: 7,175 Forumite
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    Hi jwil :wave: lovely to see you. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
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    Yesterday afternoon was spent sorting out clothes. Not KM style, but successful nevertheless.
    Today 4 bags of clothes were recycled. :) I knew if they didn't go today, the temptation would be there to put some back in the drawers.
    This weekend will be spent predominantly sorting out stuff to sell and actually getting it up for sale. Less to move when we move and hopefully a nice few quid to go towards our expenses. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • chocoholic_chick
    chocoholic_chick Posts: 666 Forumite
    Debt-free and Proud!
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    Good luck with the clear out! We did the same before our move, it was quite shocking just how much we got rid of but it was also quite therapeutic. I hate clutter but DH is a bit of a hoarder so I find too much "stuff" stressful. Managed to persuade him to part with quite a lot of stuff though :)
    New House... New Mortgage! February 2017: £144,000 :eek:
    Current Mortgage Balance: £96,440.99
    2017 OP's:£5,935 2018 OP's: £11,956.00 2019 OP's: £11,988 2020 OP's: £1,998
    Total Debt[STRIKE] £29,209[/STRIKE] £0 :j:j:j Debt free 6/8/16
  • Jessy103
    Jessy103 Posts: 1,830 Forumite
    First Anniversary First Post Name Dropper Photogenic
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    Sorry to hear about the split tc but good luck with your future journey x
    Mortgage Balance as of Jan 24 £36,500 Starting Mortgage Balance (June 2019) £72,000. 2024 Overpayment Challenge: Jan £558.40, Feb £588.11, Mar £497.32
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    jwil wrote: »
    Wow, tattycath, big changes indeed! Sorry to hear about the split, but
    congratulations to you and miss tc on your new start. Hope the completion is nice and quick.

    A Frayed Knot - I love your signature, that's a great thought!

    Thanks jwil :) Its the way I overpay my mortgage !!! So no matter what, there is always something to be o/p no matter how big, how small, and I end up either o/p each week or pushing myself just that little bit more. Works for me.
    tattycath wrote: »
    Yesterday afternoon was spent sorting out clothes. Not KM style, but successful nevertheless.
    Today 4 bags of clothes were recycled. :) I knew if they didn't go today, the temptation would be there to put some back in the drawers.
    This weekend will be spent predominantly sorting out stuff to sell and actually getting it up for sale. Less to move when we move and hopefully a nice few quid to go towards our expenses. :)



    Get Listing :dance: No time like the present.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • tattycath
    tattycath Posts: 7,175 Forumite
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    Jessy103 wrote: »
    Sorry to hear about the split tc but good luck with your future journey x

    Thanks Jessy. :)
    A_Frayed_Knot wrote: »
    Thanks jwil :) Its the way I overpay my mortgage !!! So no matter what, there is always something to be o/p no matter how big, how small, and I end up either o/p each week or pushing myself just that little bit more. Works for me.





    Get Listing :dance: No time like the present.

    Thanks for this AFK. I need a regular kick up the rear. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
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    Today we have signed and sent back various forms to conveyancer.
    we paid the deposit.
    We decided to use the vouchers £5.86 and a small win - £9 and put it towards buying a toaster and kettle-they were on offer.
    Kettle and toaster should have been £50 for both. They were on offer at £40 for both and I offset the £14.86. So they cost £25.14 for both. :)
    We also bought some reduced items. So a successful and productive day.
    I also found 2p on the floor outside a shop. :)
    Tomorrow I need to concentrate on work and hunting out stuff to sell.
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    Steaming ahead, I would say :j

    Get hunting, and get listing :) reap rewards, you will feel so much better for it. :)
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • tattycath
    tattycath Posts: 7,175 Forumite
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    On Friday it took ages to sort out forms and deposit etc for house. So I only did about 3 hours work. :( I had to make up hours yesterday.
    I worked all morning and part of afternoon, then retired to bed with a headache. I finished doing what needed to be done when I got up.

    Today I only need to do about an hours work. :) but family are coming over. :) of course, this is great but before they arrive I need to:
    Go to shop to get flour. Forgot to get some when I went shopping and they can't have a cuppa with no cake or anything!
    I also need to get stuff up for sale-I have stuff in mind so it shouldn't take too long to sort it out.

    My savings account is much depleted now that the deposit has gone out. :( so my most important task before digging into overpaying the mortgage (once it is sorted and completed), is to save some money for an emergency fund.

    Best go to shop for this flour.:)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    Great news its all going through. Had a very strange headache myself yesterday, one minute splitting, the next gone, went on and off all night. Feeling slightly better this morning.

    I'm busy listing on ebay just now, but keep popping back and forth. Got offer for 50% discount if sold.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
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