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Now 4 Months to go.
Well after many years of maximum overpayments we are in our final 6 months of our mortgage. when the 6 months are up we would have paid the mortgage off 15 years early! At first my girlfriend moaned a little at the size of our payments (although we still have a social life and go on holidays). My main sacrifice has been a…
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30 months to go
Having overpaid significantly for the last couple of years, a small extra payment this week now means i have 30 more payments to go. Assuming no hicups should be MF just before my 38th Birthday:beer:
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how do you subscribe to a MF diary?
I see some of you say you have subscribed to a certain persons diary how do you do this? ANd if I was setting up a diary how do i do that?
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Living on one income in 2012
Hi All, We are hellbent on retiring in two and a half years time and in order to do this we need to pay off our mortgage and prove to ourselves that we can live, and not just survive, on a reduced income. I will be 60 and my OH 66 so we feel that having worked since we were both 16yrs old we have had enough. We have a lot…
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MF cant wait!
Hi firstly a big big thankyou to you all for posting on this forum, your all a real inspiration to myself, after getting motivated from these post ive managed to get my mortgage to 33k :j:j:j Every penny i have goes to the mortgage i cant wait for it to finish but unfortunately i wont be MF for the rest of my life as i…
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No longer a wannabe - just mortgage free!!
:j At last after 28 years and 3 months (and 4 house moves) we are mortgage free. Paid the last £6.96 off this morning. Next challenge is to save enough money up to be able to retire at 55. :T:beer:
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What an Inspiration!
As the heading states - what an inspiration this board is :j Me and DH have been very silly in the past and are now in the midst of clearing our unsecured debts (40% cleared already) and should be debt free in 2 years. It's not easy and we throw a huge amount at our debts every month. I'm now looking further ahead and…
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Ambitious Sue tries to clear mortgage by 40... Eek!
Hi fellow MFWs! 2012 is when my life begins :T Following a Series of Unfortunate Events over the last few years including serious illness, disability, death and divorce I am the not-so-proud sole owner of a £230,000 mortgage :eek: I also have debts to family members and student loans but as these are under control now and…
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Overpayment newbie; Overpaying by more than annual limit
Hi all, first post in this particular part of MSE. I'll try to keep it concise and to the point. I have £126500 left on my mortgage with 23 years and 9 months remaining (hypothetically). I'm currently paying 3.09% fixed rate and will be highly likely to change my deal when it expires in August 2012. We have been lucky…
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Not your normal mortgage free diary
Hi all, i'm a big lurker on this section of the forum in particular and have always dreamt of my mortgage free moment....thing is i don't have a mortgage yet. I'm 28, been with my OH for 5 years nearly, we both have stable average earning jobs and live in the surrey area, currently renting as we have for the last 2 years.…
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To overpay or Not to overpay
Hi i am after some advise, ive been overpaying on my mortgage for some time now,just received my statement, i owe 25000 at a rate of 1.49% tracker, ive got a full cash isa most saving rates pay more than my mortgage rate, my question is pay extra or find a good saving account, if i pay off early it will cost me 300 pounds,…
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Help me start on my mortgage
Hi everyone. I'm nervous about this as this is my first! :) Been reading everyone's posts and it has given me enough courage to ask for your lovely opinions. Ok, so I don't really know how to do this, so I'm just gonna lay it all upfront... I took out a repayment mortgage of 160,000 on Sep 2010 for 25 years at 3.49%…
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Mortgage Query
Hello, My husband and I were both made redundant a couple of months ago. We got rather good pay offs, so are looking for advice on what to do with the money? We have a mortgage of 110,000, and have almost 20k in our savings just now. Would it be sensible to put this on the mortgage? We are aiming to overpay our mortgage…
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I may sound stupid but .....
I have only just started looking at these forums, its very interesting, this may sound silly but can you pay any amount extra each month on top of your monthly repayment, if so how do you as mine is direct debit, can you get some kind of payment book? I only got my mortgage a few months ago and i love saving especially as…
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~ Seven Years Good Luck ~ MFW Diary ~
mmmmmmmmmmmmm
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Can't reduce term, what now?
We have a 25-year repayment mortgage with Bank of Ireland, on a 2-year fixed rate (3.94%) til November 2012. Mortgage amount is approx £195K, monthly repayments £1028. In addition we've been making small (£100/month) lump sum overpayments via SO, hoping that this will reduce the term. However I've now realised (from…
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Overpayment Spreadsheet
Hi, Sorry to be a pain. But where can I find this :/ Thanks
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Hi guys, I'll be joining you soon
Hey guys Just wanted to say hi!! Am clearing down the last £700 of my overdraft and then I'll be with you
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ratbag britannia b/s
hello,were do i start, my husband died 11 years ago,i informed all nesessary poeple including britannia b/s the took copies of death certificate. good ob i kept the letter they sent . paid them a lump sum,last year my son paid the house out right was about £23,000.got a letter from britannia b/s asking for a fee to send…
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credit scoring
My credit score from Experian stands at 968 what are the chances of getting a new barclaycard to make a £10k balance transfer from Lloyds who are charging 27% interest
