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  • FIRST POST
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 11th Mar 17, 11:56 PM
    • 203Posts
    • 907Thanks
    DeterminedSingleMummy
    Overpayment Addict
    • #1
    • 11th Mar 17, 11:56 PM
    Overpayment Addict 11th Mar 17 at 11:56 PM
    Hi everyone, I've been reading lots of your stories and decided I should document mine too for lots of reasons...

    1. The motivation and support all you lovely people have given each other is amazing (I would like some of that please )
    2. Keep myself focused and see if I can push my overpayments higher
    3. Share my frugal experiences with you all
    4. Track progress of all over payments.
    5. I'm sure there's more but too tired to think atm...

    I've had my mortgage since 2009, moved to a bigger property in Dec 2011 with a mortgage of £87,500. I paid my mortgage every month but I also enjoyed myself every month (partying, cinema, food etc) and overpaying my mortgaging never crossed my mind... Having my DD in 2013 is what changed everything for me. The focus was no longer on me enjoying my life but her enjoying hers. I am a single mum and unfortunately I could not carry on with the job that I was doing before I had DD. I never want to be in a position where I've got to tell her no we can't do/have something because we have no money and that's where my overpaying addiction started...

    I never had any budgets, I would use my credit card and pay it off in full every month on payday. And because of this I struggled throughout my whole maternity, at first I thought it was all the baby stuff I was buying but it was clear after a few months that not having a budget was not going to work....

    From then on I have been focused on overpaying my mortgage and my balance today is £54631.
    I will have to dig out my mortgage statements to give u a summary of overpayments I've been making but at first it was £260 a month, then it went to £360 a month and now I over pay £500 a month... sometimes I don't even know how I do it as I only work part time and I do spoil DD a lot but I've been sticking to my spreadsheets and have been addicted to overpaying my mortgage and seeing that balance drop.

    My mortgage rate is 1.99% and it's fixed until Jan 2019 and I can start looking for a new fix four months before which is Sept 2018. There is 11 years and 5 months (I think, waiting for my letter from my latest overpayment) DD is 4 currently so I am aiming to pay off my mortgage by the time she is 10 which gives me 6 years. According to the overpayment calculator if I am on track with my overpayments of £500 a month I should have cleared it in 5 years. However I do sometimes miss a month not often tho... the mortgage taken out in 2011 was a 20 year mortgage so that would have ended Dec 2031. My current end date is August 2028 (I think...) Aiming to be mortgage free in 2023

    Well that's all for now... if I've missed out any info please ask and I will update you
Page 9
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 8th Jul 17, 6:32 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    You should have seen her face she was so happy!! Didn't leave the house today so no spend day still not sure what we're doing tomorrow so could be a no spend day which will mean the rest of this week's budgets will go towards overpayment

    Right so figures so far in July
    1. Ebae earnings July £25.13 (3 items)
    2. Surveys/mystery shopping - (£0.50 can't cash this out so I won't count this in this month)
    3. Interest/Cashback from 123 account - £3.90 (more to be added around 17th)
    4. Other cashback - £6.60
    5. Savings from weekly budget - £11.26
    6. Overtime in work £20.33
    7. Other (£1.26 + £90 pending TCB won't count this until it's been paid)

    Santander 5% regular saver will be paid in March 2018.(£64.33)
    HSBC regular saver at 5% will be paid in May 2018. (£81.25)

    EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
    Other target £221/£221(remaining overpayment figure for this year)
    New target Overpayment to be paid 1st January 2018 £151.02/£3200 (up to end of June)

    Current Mortgage end date August 2027
    Original Mortgage end date December 2031
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 9th Jul 17, 5:29 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    No spend day today even tho we went out to several places. Took a nice walk along the pier and sat on the rocky beach in the sunshine. DD was looking for "treasure" in the rocks. Then we went to the park and then there was a music festival family day in another so we went there too. Saw lots of DDs school friends so she was happy. Luckily I was prepared with food and drink so we didn't have to buy overpriced stuff at the stalls the remaining weekly budget of this week's goes towards overpayment

    2 items ending tonight on ebae. Both with bids on! Hoping for a few last min bids too to bump it up a bit...

    Going to try and eat out of my freezer this week as it's so full and I don't even know what's in there... it's nice sometimes to get yellow sticker bargains but my organisation of it is so poor in my freezer that I never know what's what. I know there's some good quality m and s meat in there so I will try and get thru it this week or at least organise it.
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 8:47 PM
    • 2,232 Posts
    • 10,270 Thanks
    shangaijimmy
    MIL cleared their freezer today as they having a new kitchen fitted. Needless to say we benefit from lots of 'forgotten meat'!
    MFW: Turning June 2036 into March 2023... 32//120 Payments Challenge, Diary Reduction £34,271.00
    Aug 2009: £163,051 // Current: £101,729.00 // Avg Daily Interest £4.57
    MFiT-T4 #8 - 56.74% of £41,000
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 10th Jul 17, 7:24 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    No spend day today and it was unplanned too my mum normally picks DD up from nursery but was running late so picked her up myself and went straight home to meet my mum whereas usually i would go somewhere and spend money.

    2 Ebae items ending tonite both with bids on one awaiting payment from ydays item. 5 paid for and posted items already for July

    I might clear out my wardrobe tomorrow and start listing some more old clothes... I might.. depends on my mood which will probably be but doing it might take my mind off other stuff and make time go quicker...
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 11th Jul 17, 4:42 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Am so I havnt even been able to leave my bed today... but on a plus side I havnt spent any money... no spend day today which makes 4 in a row all completely unplanned....
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • bubblycrazy
    • By bubblycrazy 12th Jul 17, 8:16 PM
    • 133 Posts
    • 397 Thanks
    bubblycrazy
    I hope you feel less and more soon. You're doing really well with ebae x
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049 Aiming for: 2025
    Balance 28/04/2015 £52250
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 13th Jul 17, 7:40 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    My week is getting worse... the camera lens on my phone has smashed. I'm hoping it's just the glass over the lens as i use my camera a lot to take pics of DD...

    Few more sales on ebae which has been good.

    Did some meal prepping today so don't have to worry about dinner for a few days.

    Hope everyone else is having a better week than I am...
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • shangaijimmy
    • By shangaijimmy 13th Jul 17, 9:06 PM
    • 2,232 Posts
    • 10,270 Thanks
    shangaijimmy
    Sensing your camera pain. Mrs SJ is relentless for pics of the kids (and dog) on her phone!
    MFW: Turning June 2036 into March 2023... 32//120 Payments Challenge, Diary Reduction £34,271.00
    Aug 2009: £163,051 // Current: £101,729.00 // Avg Daily Interest £4.57
    MFiT-T4 #8 - 56.74% of £41,000
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 14th Jul 17, 9:35 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    1. Ebae earnings July £78.07
    2. Surveys/mystery shopping - (£0.80 can't cash this out so I won't count this in this month)
    3. Interest/Cashback from 123 account - £3.90 (more to be added around 17th)
    4. Other cashback - £6.60!
    5. Savings from weekly budget - £24.95
    6. Overtime in work £20.33
    7. Other (£1.26 + £90 pending TCB won't count this until it's been paid)

    Santander 5% regular saver will be paid in March 2018.(£64.33)
    HSBC regular saver at 5% will be paid in May 2018. (£81.25)

    EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
    Other target £221/£221(remaining overpayment figure for this year)
    New target Overpayment to be paid 1st January 2018 £151.02/£3200 (up to end of June)

    Current Mortgage end date August 2027
    Original Mortgage end date December 2031
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 14th Jul 17, 9:43 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    1/2 way thru the month and my total is £133.85. Really pleased with this as it's been an awful week...

    I have purchased a new camera glass for my phone on ebae so going to see if I can fix it myself and will have to deduct that figure off this number too.

    DD has a birthday party to go to tomorrow so hopefully will be a no spend day. Already got cards and presents stockpiled from when I've seen things cheap. I think I got the cards 10 for £1 a while ago. Generic happy birthday ones so can be given to any one

    I've really lost my appetite with being so and I've found it's easier to have No spend days as I'm not tempted in buying treats or snacks... not sure if this is a good thing or a bad thing...
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 16th Jul 17, 9:08 AM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Just checked my account and my cashback has come thru for my 123 account so added that on. DD doesn't want to go anywhere today so could potentially be another no spend day. However it is only 9am so she is likely to change her mind

    1. Ebae earnings July £78.07
    2. Surveys/mystery shopping - (£0.80 can't cash this out so I won't count this in this month)
    3. Interest/Cashback from 123 account - £3.90 plus £7.78
    4. Other cashback - £6.60!
    5. Savings from weekly budget - £27.05
    6. Overtime in work £20.33
    7. Other (£1.26 + £90 pending TCB won't count this until it's been paid)

    Santander 5% regular saver will be paid in March 2018.(£64.33)
    HSBC regular saver at 5% will be paid in May 2018. (£81.25)

    EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
    Other target £221/£221(remaining overpayment figure for this year)
    New target Overpayment to be paid 1st January 2018 £151.02/£3200 (up to end of June)

    Current Mortgage end date August 2027
    Original Mortgage end date December 2031
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 18th Jul 17, 4:28 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Managed to do two mystery shops today which will total to £10 when it gets approved. a friend has messaged me to ask me if I would like to go for a pre paid meal with her as her other friend can't make it so free meal tonight in Pizza Express

    Managed to get some more school uniform today for cheap as I had two coupons to use in toscos so managed to use them both and got them for 1/2 price ready for sept. Just a few more bits to get for DD.
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • Lingua
    • By Lingua 18th Jul 17, 4:47 PM
    • 200 Posts
    • 213 Thanks
    Lingua
    Have yet to get to the stage of having a mortgage - I'm still trudging through uni - but it's a motivation to read through and see how much you're able to put towards overpayment and how much you can save, just by putting your mind to it! Will keep an eye on the thread for any hints and tips

    My week is getting worse... the camera lens on my phone has smashed. I'm hoping it's just the glass over the lens as i use my camera a lot to take pics of DD...

    Few more sales on ebae which has been good.
    Originally posted by DeterminedSingleMummy
    Hope you are backing up your phone, as have had a few friends and relatives who have lost all of their photos recently! It's heart-wrenching when you realise they're all gone.
    Long-Term Goal: £14'000 / £40'000 mortgage downpayment (2020)
    • midwife_twinkie
    • By midwife_twinkie 18th Jul 17, 7:26 PM
    • 81 Posts
    • 85 Thanks
    midwife_twinkie
    Dsm
    Well done DSM sounds like total commitment to clear the mortgage. Keep up with this interesting diary xx
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 19th Jul 17, 5:39 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Thanks both having this diary is really keeping me on track and focusing on little things every week and in really surprised at the end of the month how it's added up!! At the beginning of the month I think to myself I'll only probably get £50 extra but I've managed between £150 And £200 the last few months so I am shocked at how I've managed to do it without feeling like I'm missing out on anything

    Something that I have found really easy is if I get something for free i will automatically àdd the cost of that to my mortgage overpayment figure. E.g. if I've had free lunch in work I will add £3 to my mortgage overpayment. I track this using a spending app so I can see exactly how much it is. The figure is labeled in my posts above as 5. Savings from weekly budget. Hope that makes sense.
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 21st Jul 17, 8:00 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Last day of nursery school for DD... altho she will still be going to nursery (private) so I can go to work until end of August. So hopefully in Sept I will have a bit more spare cash for overpayments. Still waiting to hear from my manager about changing jobs. They booked a meeting to see me but sods law the time they arranged it I am in legoland... so waiting to see if they can reschedule.

    Been given a car park ticket for the Bristol balloon fiesta too in August so will be taking DD to that. It's a free event but the parking costs money. I've always wanted to go and it's even better that it's free now. Just petrol to get to Bristol to pay. I have a pot of £200 which I will be using for our mini holiday to legoland and around the South England. Managed to stay with friends for the whole week apart from one night in the Travelodge. So far I've paid £30 for Travelodge and £6 parking for legoland. Already bought some cheap lego gifts for DD so we don't get tempted at the expensive prices at the park. The tickets to get Into the park I used my Clubcard vouchers so basically that has cost me nothing. Anything I that is left from the £200 pot will go towards overpayment so will be looking for ways to make it as cheap as possible

    £5 mystery shop has been paid and today was a no spend day.

    My Santander 123 lite account is paying 5% cashback on android pay so I will be using this instead of my stoozing creditcard so hopefully when they cash out I'll have a nice little figure for spending what i would normally spend.

    Working tomorrow so hopefully it'll be a no spend day too
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 23rd Jul 17, 9:26 AM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Few more ebae sales. Still waiting for one to pay but I havnt added it onto the total just in case they decide not to pay.

    1. Ebae earnings July £83.95
    2. Surveys/mystery shopping - £5.80
    3. Interest/Cashback from 123 account - £3.90 plus £7.78
    4. Other cashback - £6.60
    5. Savings from weekly budget - £39.05
    6. Overtime in work £20.33
    7. Other (£1.26 + £90 pending TCB won't count this until it's been paid)

    Will also be receiving 5% of total spend using android pay in Nov for all purchases until end of Sept.
    Santander 5% regular saver will be paid in March 2018.(£64.33)
    HSBC regular saver at 5% will be paid in May 2018. (£81.25)

    EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
    Other target £221/£221(remaining overpayment figure for this year)
    New target Overpayment to be paid 1st January 2018 £151.02/£3200 (up to end of June)

    Current Mortgage end date August 2027
    Original Mortgage end date December 2031

    So far Julys total is £167.41 with 8 days left too for a final push and every single extra penny now will be overpaid 1st Jan 2018.

    Am staying at home today as the weather is awful so automatically makes it a no spend day. Bought lots of yellow stickered items yday think it came to around £2 and would normally have cost £10 easily. Now just to keep DD occupied for the rest of the day
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 24th Jul 17, 8:55 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Put £6 in coins in the bank today so that will be added to the overpayment pot. I felt a bit silly going in with pound coins and asking to put them in the bank as I've never done that before but hey I'll never see that cashier again so who cares lol

    Also had a refund of 99p today which will also be added onto the total

    Messaged the buyer on ebae and she's now told me she doesn't want the item anymore why did u bid on it then now to relist the item and hope it sells again.

    I have free tickets to the circus which were given to me so planning on taking DD on Thursday evening I'm not a big fan of the circus but she enjoyed it last time we went so at least it keeps her happy. Will be keeping treats and sweets in my bag so we don't buy the expensive junk that they sell and the car park is free so winner winner
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 25th Jul 17, 7:08 PM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    Did a mystery shop today which is normally out of the way for me so I didn't previously take it. The amount doubled to £10 and it was on the way to the beach which I had planned to take DD to today so that was a nice coincidence. Apart from spending £1 in the shop for the mystery shop I didn't spend a penny but earnt £10 towards my overpayment and it's already been approved and waiting to be cashed out
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
    • DeterminedSingleMummy
    • By DeterminedSingleMummy 29th Jul 17, 9:14 AM
    • 203 Posts
    • 907 Thanks
    DeterminedSingleMummy
    1. Ebae earnings July £83.95
    2. Surveys/mystery shopping - £15.80
    3. Interest/Cashback from 123 account - £3.90 plus £7.78
    4. Other cashback - £6.60
    5. Savings from weekly budget - £48.15
    6. Overtime in work £20.33
    7. Other £6 (£1.26 + £90 pending TCB won't count this until it's been paid)

    Will also be receiving 5% of total spend using android pay in Nov for all purchases until end of Sept.!
    Santander 5% regular saver will be paid in March 2018.(£64.33)
    HSBC regular saver at 5% will be paid in May 2018. (£81.25)

    EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
    Other target £221/£221(remaining overpayment figure for this year)
    New target Overpayment to be paid 1st January 2018 £151.02/£3200 (up to end of June)

    Current Mortgage end date August 2027
    Original Mortgage end date December 2031

    Have a birthday party with DD today and I made her a costume for it as what she wanted was so specific that the ones in the shop were not the right colour or what she wanted. She's so demanding and she's only 4

    Am doing some overtime on sunday then a meeting on monday then im off for two weeks hope the weather stays nice.

    Hope everyone has a good weekend.
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
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