Overpayment Addict
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No spend day today even tho we went out to several places. Took a nice walk along the pier and sat on the rocky beach in the sunshine. DD was looking for "treasure" in the rocks. Then we went to the park and then there was a music festival family day in another so we went there too. Saw lots of DDs school friends so she was happy. Luckily I was prepared with food and drink so we didn't have to buy overpriced stuff at the stalls
the remaining weekly budget of this week's goes towards overpayment
2 items ending tonight on ebae. Both with bids on! Hoping for a few last min bids too to bump it up a bit...
Going to try and eat out of my freezer this week as it's so full and I don't even know what's in there... it's nice sometimes to get yellow sticker bargains but my organisation of it is so poor in my freezer that I never know what's what. I know there's some good quality m and s meat in there so I will try and get thru it this week or at least organise 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 £57750 -
MIL cleared their freezer today as they having a new kitchen fitted. Needless to say we benefit from lots of 'forgotten meat'!MFW: Was: £136,000.......Now: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6500 -
No spend day today and it was unplanned too my mum normally picks DD up from nursery but was running late so picked her up myself and went straight home to meet my mum whereas usually i would go somewhere and spend money.
2 Ebae items ending tonite both with bids on one awaiting payment from ydays item. 5 paid for and posted items already for July
I might clear out my wardrobe tomorrow and start listing some more old clothes... I might.. depends on my mood which will probably be
but doing it might take my mind off other stuff and make time go quicker... 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 £57750 -
Am so I havnt even been able to leave my bed today... but on a plus side I havnt spent any money... no spend day today which makes 4 in a row all completely unplanned.... 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 £57750 -
I hope you feel less and more soon. You're doing really well with ebae x MFW - Original balance 28/08/2014 £52850Original 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
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My week is getting worse... the camera lens on my phone has smashed. I'm hoping it's just the glass over the lens as i use my camera a lot to take pics of DD...
Few more sales on ebae which has been good.
Did some meal prepping today so don't have to worry about dinner for a few days.
Hope everyone else is having a better week than I am...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 £57750 -
Sensing your camera pain. Mrs SJ is relentless for pics of the kids (and dog) on her phone!MFW: Was: £136,000.......Now: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6500 -
1. Ebae earnings July £78.07
2. Surveys/mystery shopping - (£0.80 can't cash this out so I won't count this in this month)
3. Interest/Cashback from 123 account - £3.90 (more to be added around 17th)
4. Other cashback - £6.60!
5. Savings from weekly budget - £24.95
6. Overtime in work £20.33
7. Other (£1.26 + £90 pending TCB won't count this until it's been paid)
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 £151.02/£3200 (up to end of June)
Current Mortgage end date August 2027
Original Mortgage end date December 2031Balance 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 £57750 -
1/2 way thru the month and my total is £133.85. Really pleased with this as it's been an awful week...
I have purchased a new camera glass for my phone on ebae so going to see if I can fix it myself and will have to deduct that figure off this number too.
DD has a birthday party to go to tomorrow so hopefully will be a no spend day. Already got cards and presents stockpiled from when I've seen things cheap. I think I got the cards 10 for £1 a while ago. Generic happy birthday ones so can be given to any one
I've really lost my appetite with being so and I've found it's easier to have No spend days as I'm not tempted in buying treats or snacks... not sure if this is a good thing or a bad thing... 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 £57750 -
Just checked my account and my cashback has come thru for my 123 account so added that on. DD doesn't want to go anywhere today so could potentially be another no spend day. However it is only 9am so she is likely to change her mind
1. Ebae earnings July £78.07
2. Surveys/mystery shopping - (£0.80 can't cash this out so I won't count this in this month)
3. Interest/Cashback from 123 account - £3.90 plus £7.78
4. Other cashback - £6.60!
5. Savings from weekly budget - £27.05
6. Overtime in work £20.33
7. Other (£1.26 + £90 pending TCB won't count this until it's been paid)
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 £151.02/£3200 (up to end of June)
Current Mortgage end date August 2027
Original Mortgage end date December 2031Balance 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 £57750
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