Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,713Posts
    • 18,916Thanks
    Watty1
    This Time I'm Really Going To Do It
    • #1
    • 2nd Sep 13, 12:25 PM
    This Time I'm Really Going To Do It 2nd Sep 13 at 12:25 PM
    I've loved this little bit of the forum and over the years have often stopped by for a bit of motivation. And from time to time have even made moves to become mortgage free, making an overpayment here, and thinking about it and even once setting a date (12/12/12) when there was a great thread here about that.

    And then poooffff ... I make a start and it all fades away.

    A year ago I decided that we would be mortgage free by January 2014 ... and paid off 10% of the mortgage..found that was the maximum we could pay off without penalty and then I sort of gave up. But not totally. I have been saving and over the last few weeks been looking forward to the start of september because .....drumroll....today I can make a repayment without penalty. And so I am currently on hold to the Mortgage company to do just that.

    And whilst holding I thought I would also start a diary here to keep me motivated... I mean January 2014 Thats only 4 months away...surely I cant do it by then????

    But rather than give up once again I'm going to see just how far I can get by that date and hopefully posting on a nice friendly board will keep the motivation up.

    Back later with more figures.
    Last edited by Watty1; 02-09-2013 at 2:09 PM.
Page 132
    • Firegirl
    • By Firegirl 7th May 17, 3:28 AM
    • 655 Posts
    • 2,680 Thanks
    Firegirl
    I hope you're away having lots of fun Watty. Hope you pop back soon.
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022
    Current Mortgage Balance £202311
    Target for May 2018 - Somewhere inbetween 2 figures below!!
    19 Year Target Balance MF55= £205, 020
    14 Year Target Balance MF50= £191, 314
    • atypicalblonde
    • By atypicalblonde 7th May 17, 8:36 AM
    • 2,091 Posts
    • 11,926 Thanks
    atypicalblonde
    Thinking of you xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 29.4.17 - £128,990
    Aiming to be MF 1.10.2020
    • apple muncher
    • By apple muncher 18th May 17, 8:25 PM
    • 5,825 Posts
    • 42,481 Thanks
    apple muncher
    Still missing you x Still thinking of you all.
    NST May #18; NSD 12; Ex 13; craft 68; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • themadvix
    • By themadvix 19th May 17, 9:17 AM
    • 746 Posts
    • 3,018 Thanks
    themadvix
    Ditto, hope you're all okay. x
    OPs 2017 = £2603/£10000
    S&S ISA = £200/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • apple muncher
    • By apple muncher 19th May 17, 8:22 PM
    • 5,825 Posts
    • 42,481 Thanks
    apple muncher
    But no pressure to re-appear. We'll see you when you are ready xx
    NST May #18; NSD 12; Ex 13; craft 68; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • atypicalblonde
    • By atypicalblonde 19th May 17, 8:27 PM
    • 2,091 Posts
    • 11,926 Thanks
    atypicalblonde
    But no pressure to re-appear. We'll see you when you are ready xx
    Originally posted by apple muncher
    Ditto this xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 29.4.17 - £128,990
    Aiming to be MF 1.10.2020
    • Karmacat
    • By Karmacat 20th May 17, 9:25 AM
    • 27,206 Posts
    • 146,216 Thanks
    Karmacat
    But no pressure to re-appear. We'll see you when you are ready xx
    Originally posted by apple muncher
    Thirded ... miss you, but you have to do what's right for you. We're friends, not demanding, but supporting.

    xxx
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • greent
    • By greent 22nd May 17, 1:43 PM
    • 5,803 Posts
    • 58,617 Thanks
    greent
    Fourth-ed xx
    Repaid mtge early (orig end 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next up: BTL Mtge 12/16 Bal £69786. 2017 OP target (18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 721/2017 items
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,219Posts Today

8,622Users online

Martin's Twitter
  • Just a quick ta-ta for now. I'm taking the week off for family time with mini and Mrs MSE. So I won't be here much. Back after the bank hol

  • Ugh another one trying it! Beware https://t.co/Ab9fCRA76F

  • Just looking at the final(ish) Premier League table. The gap between the top seven and the rest is huge. Has it ever been more lopsided?

  • Follow Martin