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  • FIRST POST
    • debtfreeoneday
    • By debtfreeoneday 9th Jan 15, 1:22 PM
    • 2,379Posts
    • 7,878Thanks
    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
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
Page 77
    • giblet1979
    • By giblet1979 15th Oct 16, 9:19 AM
    • 846 Posts
    • 3,396 Thanks
    giblet1979
    Hi Dfod,
    Just finished your diary (been reading through over the last week or so)
    I've enjoyed hearing about the journey and will subscribe.
    Hope the little ones (human and animal) are well and that you have a lovely weekend x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • debtfreeoneday
    • By debtfreeoneday 17th Oct 16, 7:26 PM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    Thank you Giblet, goodness knows how you put up with all that drivel!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • giblet1979
    • By giblet1979 17th Oct 16, 10:34 PM
    • 846 Posts
    • 3,396 Thanks
    giblet1979
    Not drivel at all! Hope today has been a good one x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • CathT
    • By CathT 18th Oct 16, 6:43 AM
    • 4,883 Posts
    • 33,471 Thanks
    CathT
    Almost there with the cc!
    June 2010 £121,287
    Nov 2016 £84,680
    WIOTW Nov £92,214
    • debtfreeoneday
    • By debtfreeoneday 18th Oct 16, 6:37 PM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    £3 OP paid to CC2 from a pcone survey and because I'm such a dedicated MSE-r, I did another pcone survey at 2am for which I'm due another £3
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • debtfreeoneday
    • By debtfreeoneday 20th Oct 16, 6:43 PM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    £10.10 withdrawal from Pbase set in motion and £3 received from Pcone and set straight to CC2.

    Half term is in sight, can't wait!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • CathT
    • By CathT 21st Oct 16, 7:42 AM
    • 4,883 Posts
    • 33,471 Thanks
    CathT
    Any plans for half term? It's officially started here but think you might be a week behind us?
    June 2010 £121,287
    Nov 2016 £84,680
    WIOTW Nov £92,214
    • debtfreeoneday
    • By debtfreeoneday 21st Oct 16, 10:40 AM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    We break up today.. lots of stuff planned, NT stuff mainly, visit to family, lots of days out for little or no cost hopefully!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • debtfreeoneday
    • By debtfreeoneday 21st Oct 16, 11:56 AM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    Last month of DH's temporary pay increase so will fling that all at CC2 I think.. still hopeful of clearing it by the end of the year.

    Another M1ndmover survey done, up to £17.65 on there, will get to £20, take payout and quit those ones as it's taken forever to get there.

    Another prelim survey done on pcone,

    Done a bit of research for littlies birthday pressies today.. bookmarked and waiting for Black Friday to buy those.. need to convert everything I can to am@zon vouchers beforehand, hoping the £40 TCB for the bank switch comes through.
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • debtfreeoneday
    • By debtfreeoneday 23rd Oct 16, 8:07 AM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    My paypal balance has been looking strange for a few weeks in that it seems to have £1.02 that I could never withdraw - worked out it was $ although I don't understand why that is, so withdrew the dollars today which will convert to the £1.02. £5.28 OP sent today to round down the bank account balance to £40 It is seriously poor at the moment, so many of the pots got emptied this month.

    £50 will arrive tomorrow from grandparents for the littlies, so it will look at least a little healthier and then first pay day Tuesday.

    Nice day out yesterday picking our pumpkins and then went down the beach, very little spent.

    Quieter day at home today.. will get out at some point to walk the woofer and get some fresh air!

    Have a good day all.
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • debtfreeoneday
    • By debtfreeoneday 24th Oct 16, 7:24 AM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    The £1.02 arrived in the bank today so sent that straight to the CC. Not sure what the balance is, will just keep sending what I can and check next month - it's £600 something..

    Spendy morning by 7am - two pairs of walking boots purchased as these are desperately needed as we are out and about so much. Got them both in mountain warehouse 50% sale and got 5.05% cashback as well.

    Just waiting for £3.03 to track to payable and then I have £4.18 to claim for am@zon. about a month before black friday when I will do a big order on there.. so the more I can get in vouchers for there, the better.

    Off out tomorrow for a big long walk... car is back in the garage with a few issues - again hoping it's all covered by the warranty..

    Happy Monday all
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • debtfreeoneday
    • By debtfreeoneday 24th Oct 16, 4:36 PM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    Not sure why I put off out for a walk tomorrow, was supposed to be today, but weather was pants.. so DH stripped the other half of the kitchen.. gradual process now in there of taking down cupboards and putting up open shelves.

    Washing done, £1.50 survey done on pr0filic which takes me to £20 payout when it clears. Few surveys on 1poll and joined a product testing site to see what that is like.
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • debtfreeoneday
    • By debtfreeoneday 25th Oct 16, 6:08 AM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    Another £1 on pr0filic last night, 175 points on Ips0s (so close to payout there for another £10 Am@zon voucher) and up to £27.30 on 1poll.

    DH's pay is in and I've estimated mine as it only varies by a few pence. Allocated all the pennies. We have nearly £1000 to fling at debt, but it's going to be a costly month so I'm not going to pay off any great amounts until the end of the month. My car is in the garage - one bit of work covered by the warranty, the other wasn't - so that is £67.. it needs two tyres, but we'll get those elsewhere and they are just investigating the last problem which looks like a new steering rack, hopefully that would be covered.

    £12.19 sent to the CC and £200 sent to the other CC just to keep it ticking over.

    Dentists, haircuts and other menial tasks on the agenda. Happy Tuesday all.
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • mummytogirls
    • By mummytogirls 25th Oct 16, 3:45 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Afternoon DF0D,

    You do so well with the surveys I've defo lost my way with them haven't done one for months

    All sounding very organised round at yours xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • debtfreeoneday
    • By debtfreeoneday 25th Oct 16, 7:43 PM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    the flipping steering issue wasn't covered £890!!!!!

    We argued a lot with the garage today saying that two major parts have gone wrong now in 10 months and cutting a long story short, we got the bill halved and a bit to £319. Still not a happy bunny we have to pay anything and it wipes out a lot of our intended debt repayment this month.. sigh..

    Another £1.30 on pr0filic tonight.. but that's all today. Even screened out of a Youg0v survey today which hardly ever happened.

    Off for an assessment for DS tomorrow to potentially go down a private route for assessment.. horrible to say, but it will come down to the cost I'm sure. I'm expecting 4 figures for it, but to a certain degree, I can't put a price on this.

    Lovely afternoon out with friends in the sun.. the dog still hasn't recovered..
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • mummytogirls
    • By mummytogirls 25th Oct 16, 8:32 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    OMG DF0D no bl00dy way thats a ridiculous amount for a bill so glad youve got it right down, still a lot though.

    Theres always sommat isn't there!!!! I know what you mean about DS though if it helps him with a diagnosis quicker then it will be worth it xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • debtfreeoneday
    • By debtfreeoneday 26th Oct 16, 5:59 AM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    So I'm just ignoring the car bill and thinking about the rest of half term and the adventures we have planned.

    Dog woke me up licking my feet (gross) and yes (he does sleep on the bed - anything for peace at night) so I was awake from 4am!

    I reckon I've still got about £300 to pay off the debt, but still holding onto it until later in the month, but I am taking to doing a daily tilly tidy of the account now, down to the nearest £5 - so £5.34 sent to the CC this morning.

    I'm also saving every 50p I get and am not allowed to spend them - just need to find somewhere to store them... not sure what I'm saving for, but I won't notice them.

    Happy Wednesday all!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • PurpleFairy26
    • By PurpleFairy26 26th Oct 16, 6:33 AM
    • 1,328 Posts
    • 8,618 Thanks
    PurpleFairy26
    Boo to car bills! Hope you have a lovely rest of half term. Do you have loads of NT by you? We love them, although we don't have loads by us, we really enjoy the ones we have.

    Those TT will make loads of difference to the CC

    Can you get one of those 'tins' that need opening with a tin opener from the pound shop for your 50ps? We do it with £2 and last time we opened it, there was £600 in there which paid for a new window in our bathroom (it's all very rock and roll her as you can see )
    CC1 paid off April '16. Debt on 0% card deal ends March '18, so DF date is also March '18, because we'll be saving the rest
    • mummytogirls
    • By mummytogirls 26th Oct 16, 3:13 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Poor you being awake at 4am... if its not the kids its the dog xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • debtfreeoneday
    • By debtfreeoneday 27th Oct 16, 6:29 AM
    • 2,379 Posts
    • 7,878 Thanks
    debtfreeoneday
    Poor you being awake at 4am... if its not the kids its the dog xx
    Originally posted by mummytogirls
    Boo to car bills! Hope you have a lovely rest of half term. Do you have loads of NT by you? We love them, although we don't have loads by us, we really enjoy the ones we have.

    Those TT will make loads of difference to the CC

    Can you get one of those 'tins' that need opening with a tin opener from the pound shop for your 50ps? We do it with £2 and last time we opened it, there was £600 in there which paid for a new window in our bathroom (it's all very rock and roll her as you can see )
    Originally posted by PurpleFairy26
    We have probably about 30 or so NT places within an hour of us, so do get to them regularly.

    Good thinking with the can, but we have no £1 shops anywhere near us - drawback or not maybe of living rurally!!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
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