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  • FIRST POST
    • Jessy103
    • By Jessy103 17th Oct 16, 12:00 PM
    • 418Posts
    • 1,763Thanks
    Jessy103
    I Want To Be Mortgage Free!
    • #1
    • 17th Oct 16, 12:00 PM
    I Want To Be Mortgage Free! 17th Oct 16 at 12:00 PM
    I've been reading a lot of inspiring diaries over the past few days (I've actually become quite addicted to reading them!) and thought I would have a go at my own.


    In 2007 me and OH bought our first house for £86,000, we were in rented accommodation and desperate for our own home. As it was 2007 the bank was quite happy to give us a 100% mortgage (I know it was a silly thing to do but I was only 20 and hindsight is a wonderful thing!) and add any fees on to the mortgage but of course the banking crash happened a year later and our house is no longer worth what we paid for it. We are not in a rush to move home but I would like to repay as much of this mortgage and save up as much as we can so that when we do come to move it will be a lot easier and we don't get a LTV of 100% again!


    Unfortunately I am not working at the moment due to health issues and my lovely mum suffers from MS so I like to be available to her when she needs me as it is a very unpredictable illness. The only income I have at the moment is from internet surveys. I am very lucky that I have a fantastic husband that earns a good wage and understands that I want to be there for my mum as much as I can.


    I am trying to be very frugal so that we are able to overpay on the mortgage and save some money so any tips from you lovely people would be greatly appreciated! Thank you for reading!


    Mortgage amount in 2007: £87,310.50
    Mortgage as of October 2016: £70,486.38
    Target for October 2017: £65,000 or under

    If you haven’t already, join the forum to reply!
    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by Former MSE Jessica; 18-01-2017 at 9:49 AM.
Page 9
    • ch4rly2002
    • By ch4rly2002 14th Mar 17, 12:32 PM
    • 207 Posts
    • 896 Thanks
    ch4rly2002
    It does sounds like IBS (I have it), and if your SIL is a nurse, I'd say she's a good person to advise There are some IBS medicine coupons on the caringeveryday website at the moment. http://www.caringeveryday.co.uk/offers-coupons It's for Colpermin but I'm sure they work the same. Maybe just check with your SIL first?

    Well done on the Sky Bingo! I might have to give it a go. Any tips?

    I know what you mean about milestones. I think it really helps to focus you on your goal and under £65k sounds amazing. Our mortgage is at £201,000 and I can't wait to get it under £200k, but I'm not sure if we will manage it with April's payment... I'm going to try though!
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £10,125
    Mortgage: Dec 2014 -£216,000 / Current -£197,000
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    CC 0%: Nov 2016 -£4,500 / Current -£3,577.63
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Jessy103
    • By Jessy103 14th Mar 17, 1:05 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Hi ch4rly! Thanks very much and I will definitely ask her about that! It is very handy having a nurse in the family and my brother is a firefighter so they put me and DH to shame really! Lol!

    No tips on the sky bingo I'm afraid, it's just luck really! I don't do it very often only every couple of months and I never do any more than £10. If you are new to sky bingo you should find in the offers £10 free to use.

    Good luck with your target for April and I'm sure you'll be under £200K in no time! xxx
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • Jessy103
    • By Jessy103 20th Mar 17, 3:54 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Well we've had a busy weekend! My friend that is moving had a king size bed that was going to go to the tip when they moved and as it was in great condition and we only have a double we've taken it off her hands for free! Her and her husband brought it round for us Saturday and her hubby and my hubby put it together while me and my friend had a coffee and a chat! We have had to buy a mattress for it as DH has back problems so he wanted a memory foam one but I ordered it from Very and got 20% off as I had a voucher so hasn't cost as much as we thought it would. Our double bed has been moved into the spare room so that can still be used it we have visitors.

    I could do with some advice from you lovely people please! My friend has bought a new build down south and it was meant to be ready by April but this has now moved to July! The people buying her house up here have threatened to pull out if they can't move in by April so she has asked if she could come and live with us for the few months until the new house is ready. Now I have no problem with this and she will come to stay with us (DH has agreed to this) but my only thing at the moment is that she has offered to give us some money (not sure how much). As she works down south during the week she will only be here one or two nights during the week and at the weekend and during that time she will be at her mum's a lot which is where her husband and son will be staying (Her mum has only one spare room so her husband and son will be sharing and staying there until the school term ends and they can move down south too) so my question is do I accept the money? I don't want to because she's my friend and she's in abit of a pickle and I want to help in any way I can but on the other hand she has openly said she will be using my house like a hotel and the money would come in useful towards extra mortgage payments. I just don't know what to do! http://static.moneysavingexpert.com/images/forum_smilies/speechless-smiley-040.gif

    In other news DH has sorted the car insurance this morning and has got it for £250 cheaper than the renewal price! http://static.moneysavingexpert.com/images/forum_smilies/sport-smiley-001.gif

    Have a lovely afternoon/evening!
    Jess x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • themadvix
    • By themadvix 22nd Mar 17, 8:43 AM
    • 964 Posts
    • 4,977 Thanks
    themadvix
    No advice on the friend situation, I'm afraid Jess, except maybe ask for a nominal sum just to cover electricity/water costs?

    Great save on the car insurance!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • kirtsypoos
    • By kirtsypoos 22nd Mar 17, 10:01 AM
    • 2,851 Posts
    • 12,728 Thanks
    kirtsypoos
    Hi Jessy,

    Excellent news about the bed and the car insurance!

    It's a difficult one with a friend - we had a friend of OHs staying for a few months and we just asked him to cover his food to start with until we saw what the increase in bills was.... I soon got hacked off when the gas/electric and water bills increased (by a chunk, not a little) and he wouldn't contribute, even after I asked him outright numerous times.

    At least your friend wants to contribute, and I think a small amount is fair if she won't be there much, but it will at least cover any increase in bills.

    Just my 2 pence

    K x
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,450.00 (2017 O/P £1519.82) PAYDBX 17 #006 - £15676.06/14,539.71
    • Jessy103
    • By Jessy103 22nd Mar 17, 11:38 AM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Thanks madvix and kirstypoos! It is a tough one but I think we'll just have to cross that bridge when we come to it!

    Had the shopping delivered today from Ocado. As I hadn't used them in a long time they had sent a money off voucher which was nice and because it was free delivery if you ordered over £75 I was able to order some extra bits and it worked out about the same as Tesco really.

    Our new mattress for the kingsize bed is coming today! I'm really excited because DH is an absolute fidget in bed and I'm hoping having a bigger one will save me from getting kicked as much! lol!

    Planted some tomato, pepper, French bean, pea and sweetcorn seeds this morning. I'm really looking forward to spring and summer and getting back out in the garden, especially with the rain today it can't come soon enough!!

    Have a great day!
    Jess x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • atypicalblonde
    • By atypicalblonde 22nd Mar 17, 12:59 PM
    • 2,305 Posts
    • 14,014 Thanks
    atypicalblonde
    I completely agree about spring, this weather is really starting to wear a little thin now. Enjoy your new mattress x

    ETA - For what it's worth, if you are feeding her I would be inclined to charge around £10 as a nominal fee for her food, and the small increase in bills. As she has offered to pay, she obviously would feel better about putting on you like that by paying her way. Maybe let her buy the odd takeaway/bottle of wine too x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • Jessy103
    • By Jessy103 22nd Mar 17, 2:28 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Hi atb! I know, it's not surprising people get that S.A.D when it's winter because I know it affects my mood!

    Thanks for the advice and I think that's a good idea! I think we will just have to wait and see what happens and if it turns into a complete disaster she's moving to a different county anyway! Lol!

    The mattress has been delivered but a bit annoyed because delivery blokes wouldn't help me take it upstairs! Tried myself but our stairs are on a corner and I just can't get it round myself as it keeps slipping back down! I got that hot and sweaty trying I've just had to have a shower and I'm pretty sure my body is going to punish me tomorrow for it! X
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • ch4rly2002
    • By ch4rly2002 22nd Mar 17, 6:03 PM
    • 207 Posts
    • 896 Thanks
    ch4rly2002
    I can't believe they didn't help you take it upstairs! Terrible service, I'd complain if it were me. Great news about the free bed frame though

    I agree with what everyone else is saying... a small amount to cover your increase and make your friend feel more comfortable 'imposing' on you sounds like a good plan

    Well done on the insurance save too x
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £10,125
    Mortgage: Dec 2014 -£216,000 / Current -£197,000
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    CC 0%: Nov 2016 -£4,500 / Current -£3,577.63
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Jessy103
    • By Jessy103 22nd Mar 17, 8:37 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Thanks ch4rly! I think I'll wait for her to say about it because she's good like that so I'm sure she will!

    I know, blooming miserable !!!!!!s! Health and safety gone mad! Anyway when DH got home we managed to get it upstairs easily but we did have a laugh because as we all know you can't carry something heavy between you without turning into the Chuckle Brothers and saying 'To me!' 'To you!' Lol!

    The new bedding is on and I can't wait to go to bed!

    Having issues with British Gas. Asked DH to check his credit score as he hasn't done it for a while and his score had gone down a lot. When we looked into it an amount of £45 had been added in October 16 by British Gas. We've never been with British Gas in the 10 years we've lived here so called them up and was advised the £45 relates to a Final Bill on the flat we rented before we moved in to this house 10 years ago!!!!! We asked for a copy of this bill as we had never received it despite the fact we had a redirection of post from the flat when we first moved. They then told us we couldn't have a copy because of the age of the bill and that it has been archived!!!! When we asked how we are meant to pay a bill if we can't see it the lady said 'I don't know because you need the bill number to quote when paying the bill'. Can you bloody believe it!!!! Anyway we left it that this lady would try and get the bill out of archive and email it to us. I have put in a formal complaint to British Gas and have told them they either send us the bill to pay (I have no problem paying it if the details are correct) or credit the amount off the account. I have told them if they don't do either of these things asap I will be reporting it to Ofgem. I hope this will make them think I know what I'm on about and give them a kick up the !!!! and get it sorted! Bloody ridiculous situation though and I just don't understand how they've suddenly come up with it 10 years later!
    If anyone has any advise for me it would be greatly appreciated!

    Jess x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • ScotinLondon
    • By ScotinLondon 23rd Mar 17, 1:47 PM
    • 267 Posts
    • 3,235 Thanks
    ScotinLondon
    Afternoon - with regards to your BG bill. In accounting terms, there is a statute of limitations of 6years, so therefore they should not be chasing you for that outstanding. I would go onto the Ofgem website regarding this, as I am sure there is something on there regarding that.

    Well done on all your overpayments with regards to your mortgage. All going in the right direction.

    Am off back to lurking now.

    SIL
    NSD J17 15/31; F17 20/26; M 19/23; A 17/30; M 17/31
    GC J17 £119.36/£140; F17 £35.60/£140; M £76.65/£140; A £0/£140; M £0/£140
    • Jessy103
    • By Jessy103 23rd Mar 17, 2:13 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Thanks for de-lurking and giving me advice SIL! I put a thread on the Energy forum and someone else said the same thing! Good to know!

    I have good news anyway! DH has messaged to say he's had a call from BG and they are crediting the amount off his account! Yippee! My email pretending to know what I was on about obviously helped! Lol! I am a little annoyed at DH though because he didn't tell them to put it in writing by post or an email so we don't have this as a backup incase they start chasing it again! He said that this lady will be calling back on Monday to confirm it has been done and that she is contacting Noddle so that they can take it off his credit report and when she calls he'll get her to put It in writing!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • Jessy103
    • By Jessy103 27th Mar 17, 8:44 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Good news! British Gas called DH today to confirm his account has been credited and the debt has been removed from his credit report. DH asked for this in writing which he has since received by email (I have printed and saved a copy for our records!). He's also checked Noddle to confirm it has been removed from his credit report and it has and his credit rating has now gone back up! Yay!

    In other news we did have a larger spend than expected over the weekend. We went to see DH's mum yesterday and said we'd treat her and DH's dad to a takeaway. The problem was his 2 sisters were there aswell (they both live at home with his parents) and we ended up paying for their food too! I wouldn't mind but they didn't even offer any money to cover the cost of their food!!! As they both work and yet live with their parents (I know they don't pay much board as his mum has told me!) this did grind my gears somewhat and it isn't the first time it's happened! The way his family acts sometimes still shocks me even after 11 years of being together! My mum always says it's just the way they are and it only shocks me because my family are pretty much the opposite! My family nearly end up fighting over who's going to pay and if someone doesn't accept the money you offer for your share it's like an insult! Lol! I've often thrown money at my mum to pay for our share and then found it later back in my purse because she's snuck it back in when I wasn't looking! But hey ho, each to their own!

    I have claimed £5 from one of my survey sites today. I have got a couple more I'm getting close to being able to cash out of but I'm finding it difficult to do surveys this past week, it's like I'm losing my will to live with them! I might just have a break from them for a couple of days and then hopefully I'll be able to get back to it!

    Have a lovely evening!
    Jess x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • themadvix
    • By themadvix 28th Mar 17, 8:45 AM
    • 964 Posts
    • 4,977 Thanks
    themadvix
    Great result with BG, that must be a relief.

    I know what you mean about surveys - I couldn't face them last week, but then I did loads yesterday! The inclination comes and goes
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • themadvix
    • By themadvix 29th Mar 17, 12:27 PM
    • 964 Posts
    • 4,977 Thanks
    themadvix
    Jess - just added to my comments about the bread on my thread - don't cook for the time he says on the website! 10 mins at 200C and then 20 mins at 180C is what the book says and what works for me. (I know I'm repeating myself but wasn't sure if you were going to try it today!)
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Jessy103
    • By Jessy103 29th Mar 17, 12:49 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Thanks MV! I'll get the ingredients when I have the shopping delivered which will be next week and I'll let you know how it goes!! X
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • Jessy103
    • By Jessy103 2nd Apr 17, 9:56 PM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Just checked the mortgage online and they have already taken this month's payment off the total even though it hasn't come out of my bank yet. The new total is £64,974.00! Yay finally under £65,000!! I know when the interest is added on it will go back over £65K but I'm going to wait and see what it is and then make an overpayment to take us back under and that's where we will stay!!! I'm really pleased to be under £65K and the next target is to get under £60K by the end of the year!

    I decided to become a member of The National Trust this weekend. My next door neighbour took me and the dogs, along with her dog to a National Trust house and parkland near to where we live and it was lovely, the car park charge was £4 though! It is £4 for all day but the cost of the membership for the year means I only need to go twice a month and it has paid for itself. We are lucky to have quite a few National Trust places near us and I have checked where we are going in Devon in the summer and there are plenty of places we can use it there aswell.

    Have had a bit of a high spend weekend, firstly one of the dogs needed to go to the vets because she had conjunctivitis and needed some eye drops, this visit cost me £40! We have also had a takeaway this weekend as I have felt really tired all day yesterday and today and have slept ALOT so I didn't really feel like cooking and if I don't cook DH certainly isn't going to! Hopefully I'll feel better tomorrow.

    Just ordered the shopping and it was the usually £100 for the next two weeks. I've bought some gluten free things to see if it helps prevent the stomach cramps that I keep getting as it seems to coincide with eating pasta and pizza, which is a complete and utter !!!!!! because they are two of my favourite foods! On the plus side cutting down on those foods may help my waistline!

    Have a good week!
    Jess x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • themadvix
    • By themadvix 3rd Apr 17, 9:12 AM
    • 964 Posts
    • 4,977 Thanks
    themadvix
    We're members of the NT and love it - we don't even have many places to visit around our way, but always take advantage if we're going past somewhere. Devon and Cornwall are great for NT properties and there are loads of beaches with NT car parks

    Hope dog's eyes improve soon and for your sake I hope the GF food isn't the answer (but that you sort out the cramps another way, obviously!!) - although at least so many places are clued up on GF food these days and it's much more widely available!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Jessy103
    • By Jessy103 3rd Apr 17, 10:53 AM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    Hi MV! Oh I didn't realise some beaches had NT car parks I think I was just looking mainly at the stately homes but will definitely have a look out for them as I love being near the sea and my dream would be to move down to Devon and live by the sea side, the dogs love the beach too!

    Thank you, her eyes are a lot better today and I've ordered some eye drops of amazon incase it ever happens again!

    I know, me too, I really do love pasta and pizza and was looking forward to making my own bread! My granddad is coeliac though so I'm starting to think it's skipped a generation and is going to inflict itself on me! Lol! You're right there are a lot of places that do GF now and from what I've read people are doing it as a lifestyle choice (I don't know why on earth they'd want to do this when they don't have to!). I'll keep you posted! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • Jessy103
    • By Jessy103 8th Apr 17, 11:01 AM
    • 418 Posts
    • 1,763 Thanks
    Jessy103
    I've checked the mortgage amount this morning and the interest has been added on which makes the total £65,133.66. I have called and made an overpayment of £143.66 so when it updates the new total will be £64,990.00! As I've said In a previous post I'm really pleased to be under £65K, I feel like it is a real achievement but I am now eager to get under £60K!

    In other news, I've got an opticians appointment today which is going to be free as Specsavers have sent me a voucher! I'm really hoping my prescription hasn't changed in the past two years so I don't have to buy any new glasses as you may remember I only bought some a few months ago thanks to one of the dogs chewing them!

    I've also just eaten my GF pizza, no pasta and no bread this week and I've had no stomach cramps! I'm going to try and stick to this for another few weeks to hopefully confirm that it is these foods that irritate me but Easter will to be tough as we're going to my parents for the weekend so I will have to warn my mum or bring my own food! Lol!

    Have a lovely weekend! Make sure you enjoy the sunshine!
    Jess x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
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