2009 MF Wannabe's

violetblue

Overpaid another £100 today, which along with my regular monthly OP that's included in my direct debit, brings my March total to £183.52 so far.

Payday next week, so I'm hoping to squeeze in another OP before the end of the month!

thriftyscotslass

Hi MFW 232 checking in for the very first time :j

Would like to declare an OP of £120 - not a lot I know but am sooooo excited :j:j:j

Now need to work out how to increase this by another £80 per month to reach my 2009 target of £2000 op :rolleyes:

zavarony

rumncoke wrote: »

2 OP made so far this month. £209 last week & £10000 yesterday courtesey of endowment pay out. Keeping the rest in offset ( nearly £6000) as DS is off to uni in September. Will be making another OP next week once I know how much credit card is this month.

Have updated my sig

WOW - what a fantastic acheivement!! WELL DONE :T :T :T

zavarony

Alion wrote: »

We decided not to buy the car we were looking at so £6,000 has gone in!!! I'm upping my challenge to £10,000

WELL DONE Alion - thats a great acheivement:j :j :j :j

zavarony

Grumpy_Git wrote: »

Been a lurker for a few years now as I was introduced by my parents, can I get a MFW number please?

Nick.

Hi Nick, Ive added you to the first post - Number 252 - Welcome and good luck to you with clearing the mortgage, your in the right place, theres loads of motivation here for you when you need it
Zav:beer:

zavarony

cha97michelle wrote: »

I wish life were less expensive so i could have a better go at it.

I am trying to squeeze where i can.

It's hard to try and keep a balance between everything i want to do i'm afraid. I guess we all find it hard or it wouldn't be a challenge would it.

Michelle

HI Michelle, I agree with you - if only life was less expensive! I should be grateful that I dont have childcare to pay anymore as mine are both in school! its the little bits that make a difference tho - I have a mortgage pig that I chuck change in each day (or when I remember :rotfl: )

Keep up the good work any OP is better than no OP's dont forget!!

zavarony

thriftyscotslass wrote: »

Hi MFW 232 checking in for the very first time :j

Would like to declare an OP of £120 - not a lot I know but am sooooo excited :j:j:j

Now need to work out how to increase this by another £80 per month to reach my 2009 target of £2000 op :rolleyes:

TSL - Thats great - bet you feel a real sense of acheivement, its a terrible bug to catch tho as the need to OP never goes away - :rotfl:

Zav

mothershipton

have reduced my mortgage term by a year, so my new mortgage free date is dec 2016. V. Excited...

RosieTiger

Hey Zav - many thanks for your work, the number of responses above says we are keeping you busy 1

emma_nottingham

Is anyone able to offer advise on an offset mortgage? My mortgage deal has come to a end and so im looking at an alternative to HSBC SVR at 3.69%. I currently dont have a great deal of savings (approx £1300) because I recently paid them all into my mortgage. I figured that I must be okay at saving as I have already paid £4000 extra into my mortgage this year and have the ability to build monthly on the £1300.

It would seem the best offset deal is with first direct and this is what im considering but would like first hand experience as to whether or not it does assist in paying off you mortgage early.

I like the idear of being able to draw back up to 75% LTV in case of an emergency. Your experiences of this type of account would be greatly appreciated.