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  • FIRST POST
    • coxj2901
    • By coxj2901 10th Nov 15, 2:47 PM
    • 172Posts
    • 195Thanks
    coxj2901
    Quarter of a million reasons to be Mortgage Free!
    • #1
    • 10th Nov 15, 2:47 PM
    Quarter of a million reasons to be Mortgage Free! 10th Nov 15 at 2:47 PM
    Hi all,

    Like others, I have read through quite a lot of diaries and think it's time I finally started my own mortgage free quest. We recently bought our dream home 2 years ago with a mortgage of 255,000 over 28 years. The house is currently valued at around 330,000 and the mortgage balance currently sits at 244,671. We have just remortgaged for a 2 year fix of 2.34%.

    I am 38 years of age and live with my wife and three daughters aged 12, 10 and 5. My mother in law has recently moved in with us and we are currently in the process of converting the garage and building an extension which will become an annex for her to live in.

    I started my own business around 6 years ago and we took on a lot of debt during this period which is now almost paid off and the remaining 10,000 we owe is at 0% (5,000 to my mother in law who wants 100 per month paid until she reaches her pension age) and 5,000 on a credit card which is at 0% until 2018. Therefore these will be paid off before any interest is accrued but I won't be overly focusing on these and will switch my attention to the mortgage instead.

    I am fortunate that the business has steadied itself and organically grown over the 6 years since inception so that our monthly drawings are at a point that I can really start making some decent sized over payments.

    Here is a quick snapshot of our monthly income and expenditure:-

    Statement of Affairs

    Monthly Income Details
    Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 6,200.00
    Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 188.00

    Monthly Expense Details

    In Your Home

    TV licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.12
    Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
    Home phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
    Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70.00
    Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70.00
    Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
    Council tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 180.00
    Home insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
    Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,045.09
    Mortgage life insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.96
    Food and household shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 500.00


    Motoring & Public Transport

    Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 400.00
    Car insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41.67

    Debt Repayments

    Credit card repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 150.00
    Car Lease Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 435.00

    Savings & Investments

    Pension payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 240.00
    Buying shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100.00
    Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Childrens Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60.00

    Family

    Pet food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
    School trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
    Pocket money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
    Pet insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00

    Entertainment

    Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
    All other entertainment . . . . . . . . . . . . . . . . . . . . . . . . . . . . 400.00

    Clothes, Health & Beauty

    Optical bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
    Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
    Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
    New clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 180.00

    Big One-Offs

    Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
    Summer holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 500.00
    Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80.00

    Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,388.00


    Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4,862.84

    Total surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,525.16



    My plans are to try and clear the mortgage in around 8 years which would mean overpayments of circa 1,750 per month at current interest rates. We could obviously scale back our outgoings to be more aggressive with the overpayments but after a long period of being in debt and having hardly any money we want to try and enjoy this journey by having a couple of holidays each year and days out as a family.

    Here's to the next 8 years!
    Last edited by coxj2901; 10-11-2015 at 4:38 PM.
Page 4
    • coxj2901
    • By coxj2901 21st Mar 16, 10:23 AM
    • 172 Posts
    • 195 Thanks
    coxj2901
    Things have been a bit quiet on the overpayment front this month as my efforts have been slightly diverted towards putting some money away for our new drive and starting to build a small investment portfolio.

    However, I've made an overpayment of 125.00 today just to keep things ticking over and ensure I don't lose the momentum I have built up with regards to paying off my mortage

    Mar 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 812.00
    (Shortfall) / Surplus . . . . . . . . . . . . (938.00)

    Cumulative Targets to date

    Cumulative overpayment target . . . 8,750.00
    Cumulative actual overpayments . . . 10,760.19
    (Shortfall) / Surplus . . . . . . . . . . . . . 2,010.19

    Other stats

    Cumulative interest saved. . . . . . 8,927.00
    New estimated daily interest . . . . . 14.87
    New mortgage balance . . . . . . . . . . 231,943

    Investment dilemma

    I have been reading lots lately on the benefits of investing my money rather than overpaying my mortgage and effectively achieving a better rate, that is compounded over time, which makes more financial sense from a purely mathematical point of view.

    However, I feel this poses dangers for me as it could mean a large pot of liquid funds lying about that I could get my hands on at any point and could be spent on a whim. For example, let's have a new kitchen now or have a loft extension etc......

    I am trying really hard to change my behaviour towards financial decisions after spending a large part of my adult life thinking "I'll have that now and pay for it later". It's taking me a long time to start changing my thinking and although I am on the track I still don't fully trust myself 100%

    Therefore although it flies in the face of conventional mathematics I will be splitting funds between mortgage overpayments and investing. I recognize that it will probably cost me in financial terms but it also gives me an element of protection that I don't wake up one day and blow the lot on some magic beans
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 26th Mar 16, 6:36 PM
    • 172 Posts
    • 195 Thanks
    coxj2901
    Interest
    I've received 3.76 interest from my new Santander account so I have paid overpaid this against the mortgage. It will take a lot of these small payments to make any noticeable dent in my mortgage!

    I have also gone through the process of transferring the child investment funds for my 3 daughters to a JISA with Charles Stanley. The charges are much lower and it gives some choice as to where to invest their funds. I have gone for the Vanguard Lifestrategy 80% Equity accumulation fund for the 2 eldest daughters (12 & 10 years old) and the Vanguard FTSE All Share Index Fund for my youngest daughter with super low charges (5 years old). I will probably realign the asset allocation for this fund to have a more diversified plan to include global index funds, emerging market funds and some defensive assets such as bonds over the course of the next few years.

    With my own investments I have invested a further 300 into p2p lending including 100 into a green energy loan backed by a provision fund paying 7% interest. Ethical investing kudos to me

    I now have 3,400 invested in p2p lending spread across 28 loans at an average rate of 11.24%. The rate is slightly skewed as I am including a 100 cashback bonus in this figure. It would be 8.3% without this but all but 1 of the loans are either backed by a provision fund or are secured loans with first charges against bricks and mortar with a maximum 70% LTV exposure.

    I also have 2,500 in my S&S ISA which is split across the following funds:-

    - AXA FRAMLINGTON UN BIOTECH Z ACC (500)
    - BAILLIE GIFFORD GBL DISCOVERY B NET ACC NAV (500)
    - CAPITA FINANCIAL MITON UK VALUE OPPS B INSTL (500)
    - FUNDSMITH LLP EQUITY I INSTL ACC NAV (500)
    - LEGG MASON INV FDS IF JAPAN EQUITY X ACC (500)

    I will be looking to add some bonds to this ISA before the closure date and have identified the Vanguard Global Short Term Bond Index Fund as a potential with a Total Expense Ratio of 0.15% and an Annual management charge of 0.15%.

    Next year's ISA will probably be directed towards the Vanguard Lifestrategy 80% Equity Accumulation Fund.

    In a not so MSE moment we ended up having the drive done, new drains put in and the grass area re-turfed. It looks fantastic and we are really pleased with it but at a cost of 8.5k it has wiped out the emergency fund I was building up and put the brakes on any big overpayments for the next month or 2 whilst we rebalance the books
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • brizzledfw
    • By brizzledfw 28th Mar 16, 10:47 AM
    • 6,133 Posts
    • 29,088 Thanks
    brizzledfw
    Hello

    Liking your energy and big plans (as shanghaijimmy said).. Have subscribed and look forward to cheering you on your way

    Brizzle
    MFiT-T4 Member No. 96 - 2021 is my MF goal
    New debt: 7000 0%; Savings 1400
    Declutter 50 items before 30.09.16 21/50 **
    NSDs Target 5 for September 2/5 EBay Sales Target 30.09.16 299/100
    • coxj2901
    • By coxj2901 29th Mar 16, 3:24 PM
    • 172 Posts
    • 195 Thanks
    coxj2901
    I reluctantly sold my PlayStation 4 yesterday as it hasn't been used for a while and was just sitting there so I have paid the cash into the bank today and have just made an overpayment of 170 against the mortgage.

    Mar 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 985.76
    (Shortfall) / Surplus . . . . . . . . . . (764.24)

    Cumulative Targets to date

    Cumulative overpayment target . . . 8,750.00
    Cumulative actual overpayments . . . 10,933.95
    (Shortfall) / Surplus . . . . . . . . . . . . . 2,183.95

    Other stats

    Cumulative interest saved. . . . . . 9,072.00
    New estimated daily interest . . . . . 14.87
    New mortgage balance . . . . . . . . . . 231,873

    I like seeing the trend of this graph

    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 30th Mar 16, 10:07 AM
    • 172 Posts
    • 195 Thanks
    coxj2901
    Last Overpayment
    I have raided my tin and bagged up some coins to pay in the bank today which has resulted in a 42 overpayment to the mortgage.

    In other news we have decided to look into getting our kitchen done as this is the last job that needs doing in our house. I'm not sure of what the cost will be yet as we are looking to put an extension on the side of the house and open up the existing kitchen and utility to create a big family kitchen area with an island in the middle so I'm guessing it's not going to be cheap

    We have an architect coming round next week with our builder so we will see what is feasible and start costing things out. I better dig out those 0% credit cards
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 6th Apr 16, 11:46 AM
    • 172 Posts
    • 195 Thanks
    coxj2901
    I'm mega busy at work at the moment so will only post a quick update seeing as we have moved into the new month. My normal direct debit for 1,045 has gone out plus my regular standing order of 546.

    Apr 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 546.00
    (Shortfall) / Surplus . . . . . . . . . . (1,204.00)

    Cumulative Targets to date

    Cumulative overpayment target . . . 10,500.00
    Cumulative actual overpayments . . . 11,521.95
    (Shortfall) / Surplus . . . . . . . . . . . . . 1,021.95

    Other stats

    Cumulative interest saved. . . . . . 9,563.00
    New estimated daily interest . . . . . 14.76
    New mortgage balance . . . . . . . . . . 230,297
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 6th Sep 16, 9:49 AM
    • 172 Posts
    • 195 Thanks
    coxj2901
    It's been a while since I have updated my blog so I figured it was time to start updating a little more regularly. I have been in limbo over the past few months deciding whether to extend our house again for a new kitchen. We have eventually settled on a decision to have a new kitchen but not extend the house so the cost has been reduced greatly.

    I now have enough funds for the new kitchen without having to borrow anything from the mortgage so the regular updates and overpayments can start again from now. Therefore I have just made an overpayment of 450 to kick things off again.

    My updated figures are below:-

    Sep 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 550.00
    (Shortfall) / Surplus . . . . . . . . . . . . (1200.00)

    Cumulative Targets to date

    Cumulative overpayment target . . . 15,750.00
    Cumulative actual overpayments . . . 12,917.95
    (Shortfall) / Surplus . . . . . . . . . . . . . (2,832.05)

    Other stats

    Cumulative interest saved. . . . . . 10,696
    New estimated daily interest . . . . . 14.49
    New mortgage balance . . . . . . . . . . 225,969
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • mrsp1987
    • By mrsp1987 6th Sep 16, 1:03 PM
    • 685 Posts
    • 3,220 Thanks
    mrsp1987
    Good to see you back!
    Mortgage April 2011: 108,499 30 yr term Current Mortgage 96,211.87 20 yrs 10 months left
    O/P Fund: 2,054.38/1,000
    Tilly Tidy #11: I've completely lost count!!
    MFiT T4 #67 - Reduce mortgage from 99,310.76 to 80,000. Currently 95,440.35
    • coxj2901
    • By coxj2901 9th Sep 16, 10:52 AM
    • 172 Posts
    • 195 Thanks
    coxj2901
    Overpayment
    I've made another over payment today of 750 to bring me closer to my target for the month. I think I can still meet my annual target if I focus for the next few months.

    I've also started training again so have joined the gym closest to my work. I am going to try and mix up my training with some running, swimming and weights. Yesterday's gym session consisted of a 30 minute swim which was refreshing but I can definitely feel it in my shoulders!

    Sep 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 1,300.00
    (Shortfall) / Surplus . . . . . . . . . . . . (450.00)

    Cumulative Targets to date

    Cumulative overpayment target . . . 15,750.00
    Cumulative actual overpayments . . . 13,667.95
    (Shortfall) / Surplus . . . . . . . . . . . . . (2,082.05)
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 14th Sep 16, 10:35 AM
    • 172 Posts
    • 195 Thanks
    coxj2901
    Monthly target hit
    I've made another over payment today of 950 which means I have exceeded my monthly target for this first time in a while!

    I also managed to go to the gym 4 times last week so that was a good start and also managed to lose 3lbs on my weekly weigh in. I haven't been too good this week yet as it was my wife's birthday on Monday!

    Sep 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 2,250.00
    (Shortfall) / Surplus . . . . . . . . . . . . 500.00

    Cumulative Targets to date

    Cumulative overpayment target . . . 15,750.00
    Cumulative actual overpayments . . . 14,617.95
    (Shortfall) / Surplus . . . . . . . . . . . . . (1,132.05)
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 15th Sep 16, 5:21 PM
    • 172 Posts
    • 195 Thanks
    coxj2901
    All of my current accounts have been reconciled and squared off and I've managed to find another 650 which I have sent as an overpayment against the mortgage today.

    I've also been to the gym today and did a 2km run but I guess I've got to build up slowly before I can tackle bigger distances or I will just end up getting injured.

    I also need to look at the quarterly review of my annual financial goals to see where I am so will aim to do that within the next few days.

    Sep 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 2,900.00
    (Shortfall) / Surplus . . . . . . . . . . . . 1,150.00

    Cumulative Targets to date

    Cumulative overpayment target . . . 15,750.00
    Cumulative actual overpayments . . . 15,267.95
    (Shortfall) / Surplus . . . . . . . . . . . . . (482.05)
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 19th Sep 16, 2:13 PM
    • 172 Posts
    • 195 Thanks
    coxj2901
    Q3 Review
    I thought I would do my Q1 review of my financial goals for 2016 to ensure I am still on track, so here goes!

    1. Overpay 23,000 on my mortgage. I have overpaid 6,985.19 in 2016 which is 34.93% of my target. I have 13,014 left to overpay in 2016 which equates to 1,446 over the next 9 months, which means I am on track

    2. Increase emergency fund to 6,000. This one isn't going so well in the traditional sense of keeping a cash buffer. All spare money that has not gone towards the mortgage has been diverted towards medium to long term investments that deserves it's own post. I will expand more on this at another time

    3. Increase my pension pot to 33,000. My pension pot is sitting at 26k due to a subdued market and I will have employer contributions of 625 per month going into the pension from this month onwards which will take me to ~ 31,625 so will need some recovery on my equity holdings to achieve this figure

    4. Increase my wife's pension pot to 5,000. My wife's pension is currently in the process of being set up and she will also have 625 per month going in as an employer contribution. This will take her to ~ 5,625 by the year end if I ignore any potential growth so we are on track with this one

    5. Increase my personal share holding to 1,500. I have 2,000 currently sitting in my personal share save scheme but this resulted in a rash decision to top up some shares that were deemed undervalued.

    6. Pay for a new drive. I am expecting this to come in around 3,000 This is my big bug bear as my estimate was way off. We have had a number of quotes and the cheapest has come in at 8,000 for what we want doing. We are either going to have to tone down what we want doing or simply wait longer to save the extra money

    7. Pay off my 0% credit card in full. There is currently around 3,900 remaining on this credit card so I would like this to be gone by the end of the year. This has been re-paid in full
    Originally posted by coxj2901
    This is my Q3 review of my financial goals for 2016.

    1. Overpay 23,000 on my mortgage. I have overpaid 11,617.95 in 2016 which is 50.51% of my target. I would have to pay another 11,382 in 2016 which equates to 3,794 per month over the next 3 months! I won't hit this goal

    2. Increase emergency fund to 6,000. I still don't have any spare cash lying around in bank accounts but I have kept up payments to my ISA. My ISA is now sitting at around 4.2k so although I won't be at 6k by the year end I shouldn't be a million miles off

    3. Increase my pension pot to 33,000. My pension pot is sitting at just over 33k which has been helped by the employer contribution of 625 per month. I should therefore achieve this goal

    4. Increase my wife's pension pot to 5,000. My wife's pension is sitting at 4k, again helped by the 625 employer contribution. Again this should be a goal that is achieved.

    5. Increase my personal share holding to 1,500. I have sold all my personal share holdings and have decided through the year that it doesn't make financial sense to hold individual shares so this is not something I will be striving towards.

    6. Pay for a new drive. I am expecting this to come in around 3,000 We had our drive done earlier in the year and it was a lot closer to the 8k figure I was quoted than the 3k figure that I hoped for!

    7. Pay off my 0% credit card in full. There is currently around 3,900 remaining on this credit card so I would like this to be gone by the end of the year. This was repaid in full early in the year

    Conclusion

    I think overall I have had a good year in terms of working towards the targets that I set back in Jan 2016. I still have 3 months to go so would really like to get as close to the mortgage overpayment total as possible.

    The biggest disappointment is the shortfall on the mortgage overpayments. After all, this was the purpose of the diary! The indecision regarding the kitchen renovations and some extra holidays certainly diverted funds that would have otherwise gone against the mortgage.

    We did however, have a fantastic summer and managed to spend some real quality time as a family travelling around Europe so although it was pricey we did make memories that will last a life time
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • coxj2901
    • By coxj2901 20th Sep 16, 11:48 AM
    • 172 Posts
    • 195 Thanks
    coxj2901
    Another Graph!
    I have received 8.44 in interest from my Nationwide account so I have sent this across to the mortgage today.

    Sep 2016 Target

    Monthly overpayment target . . . 1,750.00
    Actual monthly overpayments . . . 2,908.44
    (Shortfall) / Surplus . . . . . . . . . . . . 1,158.44

    Cumulative Targets to date

    Cumulative overpayment target . . . 15,750.00
    Cumulative actual overpayments . . . 15,276.39
    (Shortfall) / Surplus . . . . . . . . . . . . . (473.61)

    I haven't put a graph up for a while so thought it would be nice to see the mortgage balance one

    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • McTaggus
    • By McTaggus 20th Sep 16, 12:17 PM
    • 195 Posts
    • 212 Thanks
    McTaggus
    I'm loving the bar charts! Definitely going to have to create one for my own, just so I can see the progress as sometimes its easy to lose track of the impact you're making!!! Great stuff!
    • coxj2901
    • By coxj2901 22nd Sep 16, 3:45 PM
    • 172 Posts
    • 195 Thanks
    coxj2901
    A bit of fun!
    I first posted on this diary in November 2015 and made a plan to pay off my mortgage by Jan 2024 which would be my 47th birthday!

    That equated to 87 monthly payments so I thought it would be fun to represent this with an excel chart representing my house. 11 payments down and only 76 to go

    Excuse the funny looking house but Excel has it's limitations!



    In other news I have 2 iphones that are being sold tomorrow so I should collect around 500 which will hopefully find it's way to the mortgage
    Nov 2015:- Starting Mortgage Balance 244,671
    Sep 2016:- Current Mortgage Balance 225,969
    • mrsp1987
    • By mrsp1987 23rd Sep 16, 8:15 PM
    • 685 Posts
    • 3,220 Thanks
    mrsp1987
    Cool diagram - where did you get it from?
    Mortgage April 2011: 108,499 30 yr term Current Mortgage 96,211.87 20 yrs 10 months left
    O/P Fund: 2,054.38/1,000
    Tilly Tidy #11: I've completely lost count!!
    MFiT T4 #67 - Reduce mortgage from 99,310.76 to 80,000. Currently 95,440.35
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