Mortgage free by 2021?!

April OPs: £1,658.61
April Offset: -£104.89 (just to bring it to a round £6,000 )

Current (offset) balance: £108,597.74
Month we’d be in to get to our current balance without OPs: February 2027 (+4 months)

2017 Overpayments: £7,497.00
2017 Offset Savings: -£853.96
2017 Interest Saved: £4,414.37

Total Overpayments/Offsets: £68,506.13
Total Interest Saved: £57,884.16

Daily Interest: £7.69 (down £0.17)
Monthly Interest: £237.17 (up £18.79)
April 2016 Interest: £293.59 (down £56.42)
April 2016 Daily Interest: £9.79 (down £2.10)

House Bricks: +3

Mortgage reduction: £11,176/£20,000 (55%) (Average: £2,794.00/mo)

Made some extra OPs this month from budget savings.

Lifetime ISA: £0/£8,000 (0%)

Not sure when we’ll start funding this, probably once we’re settled in Ireland.

Net worth increase: £37,091.27/£80,000 (46%)

DH got paid for unused holiday.

MFIT-4: £51,007.00/£90,000 (56%)

Still doing well.

Goals

Personal

1. Move to Ireland Boxes packed 4/4 - also ordered more boxes for free with nectar points
2. Move to Ireland Items de-cluttered 4/4 probably more!
3. House Start hardwood flooring on stairs Started - also made a plan for execution, will aim to do half at the late May bank holiday weekend and the other half in June when we visit Ireland to house-hunt

Financial

1. Mortgage OP £1,500 £1,658.61/£1,500

Career

1. Learn Tech book chapters read 0/2 - still 0, but I’ve learned a ton of other stuff in the last month so I’m giving myself a pass

chumpy45 wrote: »

It never ceases to amaze me that no matter how hard we try, the de-cluttering never seems to end :rotfl:

Oh gosh - does acquiring boxes for packing count as re-cluttering? Probably. Sigh. :rotfl:

Going to try and make a point of checking in here more than once/month. Seems like very little excitement is going on financially (and not much room/time/energy for doing extra little bits there), and there's not much else to report life-wise at the moment.

DH got paid for unused holiday from 2016-17, so that's an extra £1k to the mortgage. Might be able to squeak another £100+ in there by the end of the month.

MIL may move to Ireland as well at some point...she was quite surprised at DH's comments about how tricky things may get post-Brexit, and I have a feeling she would like it there anyway, plus we can provide more support for her financially/lifestyle-wise. We're fine either way, just another thing to consider.

Goals

Personal
Move to Ireland Boxes packed 3/5 - got some packing done today
Move to Ireland Items de-cluttered 0/5 - have loads of things to put on freecycle/gumtree/wherever, just need to do it!
House Finish half the hardwood flooring on stairs Planned - need to order supplies and prep things for the bank holiday weekend to execute
House Get at least 2 quotes for re-instating the bedroom wall 0/2 - will try and call around for these this week

Health
Chase up appointment with consultant A - scheduled for June but will check for early cancellations
Chase up appointment with consultant B - scheduled for July but will check for early cancellations
Chase up re-test for nerves - consultant B mentioned this would be in May but I haven't heard anything

Financial
Mortgage OP £2,500 £2,400/£2,500

Career
Pass probation officially - should have already met the 3-months, and no one's said anything to give me pause, but would be good to have this done and dusted

Not much to report from the last week, really. Work's busy, but officially passed probation so that's good. Also confirmed with work the Ireland plans so we can book a trip in June to house-hunt and then plan to move either late July or early August.

Estate agent's come to take photos of the house to go onto social media, the plan is to do an open house/arrange all the viewings for whenever we're in Ireland as the house will be empty and the dogs will be away. Fingers crossed it's easy to get a tenant in and go from there.

Super close to £105k on the mortgage...should be on track to break through that this month.