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  • FIRST POST
    • letsdothisnow
    • By letsdothisnow 30th Jun 14, 9:40 PM
    • 18Posts
    • 18Thanks
    letsdothisnow
    ok lets start this mortgage free journey
    • #1
    • 30th Jun 14, 9:40 PM
    ok lets start this mortgage free journey 30th Jun 14 at 9:40 PM
    Hi all having been a browser since 2007 finally time to start this mortgage free journey! i know i know why didn't i start much sooner.

    mortgage 1 £61000 3.99% svr currently paying £443.00 per month overpaying £200.00 per month

    mortgage 2 £84000 2.74% svr tracking base rate paying per month £710.00

    any help support guidance welcome, feels really good just starting this thread just need to stay focused and keep my eyes on the prize
    Last edited by letsdothisnow; 27-04-2015 at 9:44 PM.
Page 1
    • sammy70
    • By sammy70 1st Jul 14, 8:35 PM
    • 366 Posts
    • 935 Thanks
    sammy70
    • #2
    • 1st Jul 14, 8:35 PM
    • #2
    • 1st Jul 14, 8:35 PM
    Good luck, i must warn you, its addictive!

    X Sammy x
    current end date of mortgage= 2037
    mortgage balance start of challenge- 1/12/2016 -£245,695 25/11/16
    overpayments for 2016=
    total overpayments =
    emergency fund = £200
    balance of mortgage currently = £245,695 25/11/16
    • letsdothisnow
    • By letsdothisnow 1st Jul 14, 10:57 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    • #3
    • 1st Jul 14, 10:57 PM
    • #3
    • 1st Jul 14, 10:57 PM
    mortgage 1 £60705.86
    • letsdothisnow
    • By letsdothisnow 1st Jul 14, 10:58 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    • #4
    • 1st Jul 14, 10:58 PM
    • #4
    • 1st Jul 14, 10:58 PM
    mortgage 1 £60705.86
    Originally posted by letsdothisnow
    its a start at least
    • gallygirl
    • By gallygirl 1st Jul 14, 11:03 PM
    • 16,053 Posts
    • 105,260 Thanks
    gallygirl
    • #5
    • 1st Jul 14, 11:03 PM
    • #5
    • 1st Jul 14, 11:03 PM
    mortgage 1 £60705.86
    Originally posted by letsdothisnow
    its a start at least
    Originally posted by letsdothisnow
    Don't diss it - it's a whole thousand bracket lower - these things matter you know .

    Don't suppose #2 is £83,999 is it .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • katiegizmo
    • By katiegizmo 2nd Jul 14, 11:20 AM
    • 171 Posts
    • 1,456 Thanks
    katiegizmo
    • #6
    • 2nd Jul 14, 11:20 AM
    • #6
    • 2nd Jul 14, 11:20 AM
    Just want to say hello and you're making a great start!
    Will subscribe to your thread as your mortgage total is just a bit lower than mine so I feel I can relate xx
    MFW 2015 so far..... £1808.70
    2014 - £1451 2013 - £1600 2012 - £4145 2011 - £5715 2010 - £3258

    • letsdothisnow
    • By letsdothisnow 3rd Jul 14, 9:38 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    • #7
    • 3rd Jul 14, 9:38 PM
    • #7
    • 3rd Jul 14, 9:38 PM
    [QUOTE=gallygirl;65922313]Don't diss it - it's a whole thousand bracket lower - these things matter you know .

    true true
    • letsdothisnow
    • By letsdothisnow 3rd Aug 14, 9:33 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    • #8
    • 3rd Aug 14, 9:33 PM
    • #8
    • 3rd Aug 14, 9:33 PM
    mortgage 1 £60197.89 next over payment will see me rip through the £60000 barrier feeling good. easy to keep tabs on mortgage 1 as its with the Halifax which have online facility unlike mortgage 2.

    Really keeping me focused this money saving lark and all you mfw.

    Stay safe

    Letsdothisnow
    • Thrugelmir
    • By Thrugelmir 3rd Aug 14, 9:37 PM
    • 51,336 Posts
    • 43,183 Thanks
    Thrugelmir
    • #9
    • 3rd Aug 14, 9:37 PM
    • #9
    • 3rd Aug 14, 9:37 PM
    See if you can eek out a little saving from somewhere in the budget. You've started the ball rolling and every little bit will accelerate you towards the goal.
    “A man is rich who lives upon what he has. A man is poor who lives upon what is coming. A prudent man lives within his income, and saves against ‘a rainy day’.”
    • letsdothisnow
    • By letsdothisnow 30th Nov 14, 9:13 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    down to £57800,,, this site and you guys are really keeping me focused

    steady away
    • letsdothisnow
    • By letsdothisnow 2nd Dec 14, 7:56 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    interest bump £57995
    • StrawberryJam132
    • By StrawberryJam132 2nd Dec 14, 8:05 PM
    • 165 Posts
    • 534 Thanks
    StrawberryJam132
    Damn interest
    97 months until I qualify!
    • letsdothisnow
    • By letsdothisnow 27th Apr 15, 9:45 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    Times flying by sooo quick £55443 outstanding mortgage Totally addicted! I said £6000.00 in total payment for the year from last june done with still 2 months to go without the overpayments it would only be half that amount...
    • letsdothisnow
    • By letsdothisnow 30th Jul 15, 10:25 AM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    £53890 mortgage 1 managed to fix for 2 years at 1.79%

    £78988 mortgage 2 still on 2.74% variable...

    Rates to increase this year due to the pending base rate move
    • Frugalfamily3
    • By Frugalfamily3 2nd Nov 15, 8:24 PM
    • 38 Posts
    • 131 Thanks
    Frugalfamily3
    Hi Letsdothisnow!

    Just returning the favour and popping a smile in your diary.

    Subscribed
    • letsdothisnow
    • By letsdothisnow 30th Dec 15, 7:39 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    £53890 mortgage 1 managed to fix for 2 years at 1.79%

    £78988 mortgage 2 still on 2.74% variable...

    Rates to increase this year due to the pending base rate move
    Originally posted by letsdothisnow
    Well rates didnt move this year and Im still on target season greetings all and all the best for the new year Will update stats in the new year! Im saving ittt
    • letsdothisnow
    • By letsdothisnow 17th Feb 16, 12:25 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    Finally passed the 50k mark Feelin good....£49997.35
    • letsdothisnow
    • By letsdothisnow 29th Jun 16, 9:53 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    Hi all

    Got my 2 year badge already, gee how time flys!!! £47633.33 steady goes
    • letsdothisnow
    • By letsdothisnow 11th Oct 16, 7:51 PM
    • 18 Posts
    • 18 Thanks
    letsdothisnow
    Hi all hope everyone is well and in good spirit just a quick update Mortgage 1 £46,373.26

    Mortgage 2 still paying £710.00 per month but due to the rate cut my total overpayment is £258 every month around 70k left on this one a bit hard to check due to no online facility.
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