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  • FIRST POST
    • debtfreeoneday
    • By debtfreeoneday 9th Jan 15, 1:22 PM
    • 2,764Posts
    • 9,430Thanks
    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 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
Page 97
    • mummytogirls
    • By mummytogirls 22nd Aug 17, 8:41 PM
    • 5,414 Posts
    • 16,507 Thanks
    mummytogirls
    Yay to the extra £350 DFOD thats amazing!!

    Great news on eBay too xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • debtfreeoneday
    • By debtfreeoneday 23rd Aug 17, 8:23 PM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Work today, but all done for a few weeks again now!

    100 points on ips0s and two Mr T panel surveys done on clothes! Apart from that a quiet day. Sold one item on bookface with two others on there as well!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • debtfreeoneday
    • By debtfreeoneday 24th Aug 17, 6:59 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Need to go pick up the tiles today that have arrived at the shop. Also have a Pets @ Home workshop today which should be good fun.

    £8.18 OP after a few fleabay sales sent to the mortgage and figure updated
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • debtfreeoneday
    • By debtfreeoneday 25th Aug 17, 8:21 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Payday for DH and money all divvied up. Going to be a tight month as we've cattery and kennel fees to pay and our holiday over the weekend, though I can guarantee it will be a no spend holiday when we are there as we are on an island with one tent and no shops, and a boat that doesn't pick up back up till Wednesday!

    Really struggling with Mr T - any one else? I book the slots and then when I get the reminder to say you've so many hours left to amend your order go on and faff about with adding / taking stuff out the basket depending on what we need - so many times recently the reminder hasn't come and like today, I thought the order was tomorrow, but it's today and I'd 13p in the basket, so cancelled it and now no slots tomorrow! I did not want to have to go shopping tomorrow! Really not wanting to continue with them from December when our delivery saver expires, but we are miles from shops and it's not really feasible or sensible, budget wise to go shopping each week - any ideas?

    Mr T home panel survey complete this morning and 25p on 1poll.
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • mummytogirls
    • By mummytogirls 25th Aug 17, 4:51 PM
    • 5,414 Posts
    • 16,507 Thanks
    mummytogirls
    Holiday sounds bliss DFOD!!!

    Re Mr T, I haven't continued with my delivery saver, however I am close by to lots of shops. Have you tried any of the other major ones round by you? Mr M's is a good one but I found that our fruit and veg was horrendous when it came. Might be different down your end though xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • debtfreeoneday
    • By debtfreeoneday 26th Aug 17, 5:52 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    No Mr M, or I would try those - I have Sainso or ~@sda... or I go shopping each week which I'm not keen on just from a point of view of sticking to the budget which I'm able to do online.

    £3 credit from Pcone, so requested a PP payout for that. No other surveys at all yesterday.

    Day of food shopping, packing and cleaning ahead. Need to take cat / dog later so will be quiet tonight without them. Off early tomorrow so catch you all next week!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • mummytogirls
    • By mummytogirls 27th Aug 17, 12:04 PM
    • 5,414 Posts
    • 16,507 Thanks
    mummytogirls
    Mr A's delivery isn't the best round our area and Mr S is brilliant but more expensive last time I looked. Maybe try Mr A's?

    Have a great time away xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • debtfreeoneday
    • By debtfreeoneday 30th Aug 17, 7:48 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Lovely break away, but back to reality now. Just catching up - done pcone survey, relisted all fleabay items, one sold whilst away and another just before we went, so with the addition of a pcone credit, I've just over £20 in the palpay - saw something I want to buy for littlies for birthday / xmas which will be £30 so will stockpile pennies in there until I reach that and then buy them.

    Mortgage figure updated to £96,638.33. Be nice to get under £95k - off track though with getting under £90k by Xmas, likely to be £93.5k I reckon!

    Plowing through a mountain of washing today, quick trip to library and karate later.
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • mummytogirls
    • By mummytogirls 30th Aug 17, 7:03 PM
    • 5,414 Posts
    • 16,507 Thanks
    mummytogirls
    Welcome back DFOD, trip away looked lovely

    Hope washing mountain isn't getting too out of control!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • debtfreeoneday
    • By debtfreeoneday 30th Aug 17, 7:27 PM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Washing all done, and last bit drying off.

    £3 on pr0filic today, £3 credited from Pcone towards the palpay fund and 65p on 1poll

    6 items listed on fleabay and one parcelled up ready to go.
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • debtfreeoneday
    • By debtfreeoneday 31st Aug 17, 2:50 PM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    30p on 1poll, 50p on Y0ugov and £3 on pr0filic which takes me to over £20 payout when they have all credited!

    Am@zon parcel arrived packaged appallingly with two items missing which I assume have falled out the package was that loosely secured, so online chat to them and they will refund the amount but frustrating!

    Been out and spent £10 of some garden vouchers I got for my birthday and bought myself some furry crocs to use for going outside during the winter. Rock and roll!

    Also bough an academic diary from birthday money to plan out the home ed year.. looking forward to getting going again, have so much planned! Nice to not be running the school shoes gauntlet and spending loads on uniform right at this time!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • debtfreeoneday
    • By debtfreeoneday 1st Sep 17, 8:55 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    After taking the meter reading this morning, I've just switched supplier - after a 50% increase in our monthly payment, I get frustrated ever time I put the reading in and it says ' this is much lower than we expect - are you sure you're capable of reading your meter correctly!!! '

    So move in progress, we get a smart meter as well which I'm keen to see our usage and hopefully our bill will go down a little a month. We should be just about in credit by the time we switch!

    Up to £14 cleared on pr0filic, just need the others to claim and then that will go towards OP!

    Sold an item for £50 on fleabay last night, was a potential dress for the wedding but I changed my mind, pleased to get what I paid for it.. so need to go post office this morning!

    Off to collect two books we picked up off a bookface site - David Walliams, kids are loving his book, got 2 for £3. Need to DH's meds from the Docs and then back home for lunch before library and karate. Also have to fill the car up and get £40 to pay for the kids next belt grading which is in September.

    Spent last night organising my planner for next few weeks of home ed, roll on Monday when we can get back to it!

    happy Friday all
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • debtfreeoneday
    • By debtfreeoneday 3rd Sep 17, 7:02 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    50p on Y0ugov this morning and a £10 OP sent to the mortgage.

    Weather is truly dreadful this morning, quiet day at home on the agenda I think.

    Few more fleabay items to get listed is about all there is on my to do list today!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • Betterthanever
    • By Betterthanever 3rd Sep 17, 8:17 AM
    • 179 Posts
    • 628 Thanks
    Betterthanever
    Pah to the poor weather. I'm hoping it stays dry here as I have washing to get out!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • debtfreeoneday
    • By debtfreeoneday 4th Sep 17, 11:21 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Back to home ed and the kids just buckled down and got straight on with it, think they've missed it!

    £15.92 OP sent from some fleabay profits.

    Mr T been with food delivery so in theory he wins this week with £40.41... but randomly they replaced 100 freezer bags for £1.60 for 5 packs of sooper dooper ones with zip locks costing £10! Plus they replaced the ham with a pack that cost £2 more - think the picker must have been on my side - so I'm taking that win this week!

    20p on 1poll so far today.

    Off to library and to open building society account with littlies today - back to do some baking with them as I'm starting that weekly with them and by then I should be ready to crash!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • debtfreeoneday
    • By debtfreeoneday 5th Sep 17, 9:12 PM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Put a fleabay item on buy it now and it sold within an hour, so been to PO today to post that. Loads of items ending tomorrow with 5 sure to sell!

    100 points on IPSOS today and a few pennies on 1poll!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • Betterthanever
    • By Betterthanever 6th Sep 17, 7:48 AM
    • 179 Posts
    • 628 Thanks
    Betterthanever
    It all adds up! I am slowly getting back onto these extra things. I had forgotten how addictive they can become, though!!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • debtfreeoneday
    • By debtfreeoneday 6th Sep 17, 8:58 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    It all adds up! I am slowly getting back onto these extra things. I had forgotten how addictive they can become, though!!
    Originally posted by Betterthanever
    I have moments of loving fleabay and then months of ignoring it! When I'm having my happy moments, nothing in the house is safe!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • PurpleFairy26
    • By PurpleFairy26 6th Sep 17, 1:28 PM
    • 1,834 Posts
    • 12,327 Thanks
    PurpleFairy26
    I have moments of loving fleabay and then months of ignoring it! When I'm having my happy moments, nothing in the house is safe!
    Originally posted by debtfreeoneday
    That's me all over. It's all or nothing here with fleabay . Currently in all mode
    • debtfreeoneday
    • By debtfreeoneday 6th Sep 17, 6:56 PM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    30 points on Ipsos today, hopefully a £3 survey on pcone due (but it seemed really short) and DD got accepted for a clothing trial for Mr T - so quite excited by that.

    Also got accepted by M&S bank, so will see how that goes, hoping to get the £100 card before we have to buy DH's suit for the wedding. Took a chance on one on fleabay for DS as it was new - £20 and it fits perfectly and looks lovely, so really pleased with that.

    Been to open bank account for the littlies today, been library and then been on our weekly nature walk.

    Catching up on GBBO now whilst doing some home ed prep!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
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