2009 MF Wannabe's

TurnaroundSue

Hi Zavarony - can I just ask, were you related to Lena? She was my idol when I was a little girl, but had a very sad life (her not me!). Anyway don't want to get morbid, so better get on with the job in hand.

Wont know how much I can overpay until April 2009 as that's when my new year starts on my mortgage. Have 10 year fixed at 5.29% (finishes in 4 1/2 years time) and can only overpay by 5% but should be around £1800 allowed to overpay. So if you could put me down for that amount (will pm you shortly) and I will make any adjustments after April.

Many thanks

zavarony

Hi Turnaroundsue - no I'm not related, my name is Zena tho and a consultant I used to work with nick named me Zena Zavarony and its stuck since then!!

Will put you down for £1800 and update it as and when you let me know

bellsbells

Yay! How exciting - a new shiny thread for us all to play with:rotfl: Thank you for taking over Zavarony - we are all in safe hands. I will pm you, but basically I am going to go for £400 in 2009 - I will be on maternity leave for a good 8 months so money will be tight, but I am determine to keep overpaying at least something!

bells

zavarony

bellsbells wrote: »

Yay! How exciting - a new shiny thread for us all to play with:rotfl: Thank you for taking over Zavarony - we are all in safe hands. I will pm you, but basically I am going to go for £400 in 2009 - I will be on maternity leave for a good 8 months so money will be tight, but I am determine to keep overpaying at least something!

bells

Hi Bells - your target is added no need to pm me!! I have become obsessed with checking MSE!!! How long have you got left until your due - cant be long to go now xx

belfastgirl23

Hi Zavarony and thanks for starting this thread. And thanks Bells for coming up with the idea to start with and motivating us all so well through 2008.

I'm mostly posting just to get this thread up on my usercp. I'll be in definitely for 2009 but I have three big things to consider:

• Our fixed rate will come to an end at end of July
• I'm due a payrise before the end of the year
• DH will be getting a lump sum soon and wants to put some in, but I don't know yet how much

At least the latter two of these should be sorted out before end of year, as for the fixed rate, who knows how this will go but my hope is downwards which would leave a bit of slack for overpaying.

My guess would be that I'll be in for around £300 a month from January but I'll confirm once I've had a chance to work through the finances

In the meantime welcome to the newbies. It's great to think money I would have frittered away on eating out or buying expensive bath stuff is going towards our future

FrankieM

Hi,
Could I please join for 2009?
We have a Oneaccount and I want to get down to the next interest level, which means I need to bring my facility down by about £7000. Its difficult to work out what exact normal monthly payments are, so I'm going to go on normal payments totaling about £3000 for the year, which brings me to a total for overpayments of £4000.
So, just to clarify, please put me down for £4000.
Do I need to send a pm to anyone for a number etc?

Cheers

zavarony

FrankieM wrote: »

Hi,
Could I please join for 2009?
We have a Oneaccount and I want to get down to the next interest level, which means I need to bring my facility down by about £7000. Its difficult to work out what exact normal monthly payments are, so I'm going to go on normal payments totaling about £3000 for the year, which brings me to a total for overpayments of £4000.
So, just to clarify, please put me down for £4000.
Do I need to send a pm to anyone for a number etc?

Cheers

Hi FrankieM - you have been added to the first post - Thanks - you are # 177
GOOD LUCK on your MF journey for 2009
Zav

frazzmunch

Hi zav...i have pm'd you with my figures for 2009.....am going for £2600 this year...but i am secretly planning on getting to 3k..:D oh no...it's not a secret anymore!!!:rotfl:

can't wait to make my first official op....only 18 days to go..:j :j :j

good luck to everyone....lets make sure we give the banks as little of our cash in interest as possible!!!:D

madwife28

Hi, I have been following your progress on this challenge and would love to join in for 2009 if that's ok?
My mortgage is £58,000 and I would like to pay off £6000 (£500 max op a month) for 2009.
Can't wait to make a start!!
Many thanks,
Madwife28

(P.s. it's my first post and I am itching to use a smiley but can't find them - boohoo!!!)

violetblue

Hiya madwife! :hello:

Just wanted to welcome you to the boards, and say good luck with your overpayments for this year :beer: Once you start, it's addictive you know!

To find the smileys, click on "go advanced" under the reply box, and smiley away to your heart's content! :rolleyes: :rotfl: