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  • FIRST POST
    • debtfreeoneday
    • By debtfreeoneday 9th Jan 15, 1:22 PM
    • 2,813Posts
    • 9,684Thanks
    debtfreeoneday
    Mortgage free by 2023 (!)
    • #1
    • 9th Jan 15, 1:22 PM
    Mortgage free by 2023 (!) 9th Jan 15 at 1:22 PM
    Hello,

    I'm usually found hanging out on the DFW diaries thread as you'll see from my signature we are still tackling debt..

    However, my plan was always to start attacking the mortgage after that, but having just sat down and worked out how much we need to overpay to clear it in time for DH to retire at 65 latest, I think we need to start now!

    I still have to focus on clearing the debt as it's on a slightly higher interest rate, but I don't see any harm in starting to overpay the mortgage a little bit here and there as well. I've found a debt free wannabe diary massively helpful in helping me to focus and curb any unnecessary spending, so here I am!

    I don't expect masses of activity, but every little bit will help!

    We have 14 years left on our mortgage with £118,031.21 left to pay wef today (I just realised I could access this online - will regularly stalk this from now on!) We want it gone by December 2023. We pay £921.60 a month which is effectively my wages - it feels a huge amount as it is, but I know we have to do more.

    Would love some company for the next 9 years!!!
    Last edited by debtfreeoneday; 18-11-2016 at 11:38 AM.
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
Page 100
    • mummytogirls
    • By mummytogirls 9th Dec 17, 8:11 PM
    • 5,793 Posts
    • 20,149 Thanks
    mummytogirls
    Brilliant news about the job DFOD xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • Kittenkirst
    • By Kittenkirst 11th Dec 17, 6:13 AM
    • 1,702 Posts
    • 9,042 Thanks
    Kittenkirst
    Fantastic news about the job DFOD
    2018 MFW #20 - OP £391.44/ £3000 13%

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • CathT
    • By CathT 15th Dec 17, 8:03 PM
    • 5,422 Posts
    • 37,572 Thanks
    CathT
    Congratulations on your new job.
    Jan 2018 -
    part 1 - £79,207
    part 2 - £45,863
    Total - £125,070
    • debtfreeoneday
    • By debtfreeoneday 18th Dec 17, 4:46 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    So i'm off on my earnings / savings for 2018 - £3 from Pcone and £5 from Ips0s. Have left them in situ so I'm not tempted to spend!

    Have a few more tiny things to wrap this week and then I am done apart from the food shop at the weekend! Mr T delivery savr has ended so I'm going to muddle through Christmas and New year and sign up for asd@ midweek delivery which is £24 for the year I think, so well worth it!
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • pennywisepoundstupid
    • By pennywisepoundstupid 18th Dec 17, 5:01 PM
    • 4,566 Posts
    • 14,976 Thanks
    pennywisepoundstupid
    Hope you have a lovely Christmas. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £189.00 General savings £150.20
    Clothes challenge £250/£36.63
    • CathT
    • By CathT 18th Dec 17, 9:00 PM
    • 5,422 Posts
    • 37,572 Thanks
    CathT
    Good luck with that food shop. I'm planning to do mine very early on Saturday hopefully avoiding the biggest crowds and gridlocked traffic.
    Jan 2018 -
    part 1 - £79,207
    part 2 - £45,863
    Total - £125,070
    • mummytogirls
    • By mummytogirls 21st Dec 17, 8:24 AM
    • 5,793 Posts
    • 20,149 Thanks
    mummytogirls
    Hope all ok with you DFOD xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • debtfreeoneday
    • By debtfreeoneday 21st Dec 17, 6:26 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Updated my earnings to date. Just done another £3.50 on pr0filic that I've not yet added in. Will leave all of this in place until birthday / Christmas presents next year.

    Frustratingly paid a CC bill before the statement was issued, so will have to make another payment on that once the statement is issued - negatives of getting paid earlier this month!
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • mummytogirls
    • By mummytogirls 23rd Dec 17, 6:50 PM
    • 5,793 Posts
    • 20,149 Thanks
    mummytogirls
    Merry Christmas DFOD xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • debtfreeoneday
    • By debtfreeoneday 25th Dec 17, 8:53 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Lovely Xmas day though I am absolutely whacked! Sticking to my promise of only buying from earnings, I've spent a gift voucher I got for Christmas on the kids for next year as well as buying two things we needed for the house. I've also bought a cooker hood from money we had already saved up, so 2018 may well be the year we finish the kitchen!

    Updated the mortgage figure and some survey income to date. Ending the year £4k adrift from mortgage overpayment target, but its not really an option anymore since I quit the job / started home ed!
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • debtfreeoneday
    • By debtfreeoneday 26th Dec 17, 3:31 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    So we realised this morning the bed that DS needs next year is needed earlier as the storage isn't working in his room and because we are irresponsible parents, we bought a gift that takes up a lot of room! I've ordered a bed from Very for under £200, cabin type but means we can do away with a set of drawers in his room and give us the space, he's had his current bed for a while and it owes us nothing, might be able to get a £10 for it locally!

    Sorted through some stuff in their rooms and listed fleabay items, up to 38 now - had to put some on the spare account as they were gifts but either won't fit or I just don't want the giver to know we are selling them!

    Just done a survey on pr0filic - otherwise all quiet, not surprisingly

    Having a very quiet lazy day. Neighbours around tomorrow and then it's all coming down Thursday!
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • debtfreeoneday
    • By debtfreeoneday 27th Dec 17, 7:18 AM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Well been so narked with Mr T food deliveries of late, I ditched them when the delivery saver expired just before Xmas - signed up to Mr A for a year today - gone for midweek deliveries which costs £24 which is awesome I think and should get £5.05 cashback!

    Hopefully they'll be better!

    Neighbours round today for lunch. Looking forward to a bit more space in the fridge!
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • mummytogirls
    • By mummytogirls 27th Dec 17, 11:29 AM
    • 5,793 Posts
    • 20,149 Thanks
    mummytogirls
    Enjoy your day with the neighbours DFOD.

    I hope Mr A's works out for you xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 1st Jan 18, 10:32 AM
    • 5,793 Posts
    • 20,149 Thanks
    mummytogirls
    Happy New Year DFOD xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • debtfreeoneday
    • By debtfreeoneday 5th Jan 18, 1:16 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Signature updated with a few earnings on surveys - still a bit quiet.

    Money so tight this month, car needs to go in again next week as something doesn't sound right underneath - it's just so clunky!

    Need to get onto house insurance renewal at the end of the month. Updated the meter reading and expecting a large bill from them as they decided to set our monthly DD at £48 despite me trying to increase it and saying it wasn't enough!
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • debtfreeoneday
    • By debtfreeoneday 6th Jan 18, 4:58 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Switch for water boiler has stopped working, hoping to get it fixed via next door neighbour who is an electrician!

    Had a very lazy day in building things with the kids. So cold outside, will get out tomorrow to the beach hopefully and someone picking up an item sold locally for £10. Managed to sell a few bits and pieces so that will pay for brownies, beavers and a group the kids go to for this half term!

    Earnings so far are £93.78. Still got about £30 to credit as well on various survey sites! Good start for birthday and Christmas next year!
    Last edited by debtfreeoneday; 06-01-2018 at 5:09 PM.
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • debtfreeoneday
    • By debtfreeoneday 8th Jan 18, 3:07 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Urgh car broken to the tune of £88 - so could be worse, but all fixed now!

    Bought house insurance today - taken a bit of a chance - should get £70 back on a policy which was £130. The chance being I did a quote through MSE first and then again through the cashback site, just depends on how much they track it! Fingers crossed.

    All quiet on survey sites today! Updated the Y0ugov total to £29.50.
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • debtfreeoneday
    • By debtfreeoneday 9th Jan 18, 10:13 AM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Cashback has tracked, so lets see if it gets confirmed!

    Another £3 onto Pcone balance so far this year, 51p on Pr0lific and 10p from 1poll so far today! Brings my earnings total to £98.14. Be nice to hit £100. Although most of this was built up at the end of last year, it wasn't payable until 2018, so it's 2018 earnings!

    Having a quiet start to the day and then off to a new home ed group to try out.
    Last edited by debtfreeoneday; 09-01-2018 at 10:21 AM.
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
    • pennywisepoundstupid
    • By pennywisepoundstupid 9th Jan 18, 4:00 PM
    • 4,566 Posts
    • 14,976 Thanks
    pennywisepoundstupid
    Survey money is adding up, well done.

    Hope the home ed group was enjoyable.

    PWPS xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £189.00 General savings £150.20
    Clothes challenge £250/£36.63
    • debtfreeoneday
    • By debtfreeoneday 11th Jan 18, 1:02 PM
    • 2,813 Posts
    • 9,684 Thanks
    debtfreeoneday
    Home ed group interesting in that kids ran riot for two hours with little adult involvement, not sure we will be frequent visitors to that one!

    Updated earnings again and yay it's £101! Also just done another £2 on pr0filic! Creeping towards payout on 1poll, always like it when I get past £35 - feels it's the downhill then!
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.20 ~ Pr0filic £28.23 ~ TCB £13.84 ~ YouGov £30.25
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