pammyj74's MFW diary (or possible wishful thinking!!)

cha97michelle

Your term has reduced more than mine as we reduced payments, and we repaid similar amounts last year and so far this year.

You constantly amaze me Pammy as i do my extras and DH works, but you do it all.

Well done. :beer:

pammyj74

I was helped by the rate going from 5.89 to 3.5%, thats where I reduced 7 years there and upped my payments by £100.

aww thanks cha, I guess I just dont really have a life lol

cha97michelle

Me neither really. We should work on that at some stage, but then again i am not unhappy. We have plenty of companionship and entertainment on line don't we.

Did you see there was a new guy on the panel who meet about the rates, and it was 6-3 for a rise last time, and then 7-2 this time so might be a good while longer yet.

pammyj74

Im not unhappy either. I think I am a recluse but then I am comfortable in my own company rather than others. I think that is why I am making myself do homestart to have something different in my life other than work, kids and laptop!

yukkibear

well done on those figures, that's amazing work. I was on 89K in dec 2007 and only just got to 79K now. I didn't even think of OP the first few years. It really is amazin the difference it makes.

Lois_E

That's amazing Pammy. You're doing so well.
Do you work full time?

pammyj74

No I work part time, plus get maintenance and tax credits and what I get from ebay and surveys etc.

I just spent £33 on two jumpers and a polo shirt for kids cubs yesterday off ebay though so from my profits.
Just worked out that I have paid £22,819 in 3 and half years off my mortgage. (the first 18 months with no OP)

Lois_E

pammyj74 wrote: »

No I work part time, plus get maintenance and tax credits and what I get from ebay and surveys etc.

I just spent £33 on two jumpers and a polo shirt for kids cubs yesterday off ebay though so from my profits.
Just worked out that I have paid £22,819 in 3 and half years off my mortgage. (the first 18 months with no OP)

Thanks. That's an encouragement to me. Maybe I'll be able to get some serious OPs done with p/t work, maintenance and TCs too, then.

Just need to get this building work finished and paid for and then I can start in earnest.

CathT

It's incredible to think you achieve all this on one income Pammy.

[Deleted User]

Pammy those figures are amazing!! Its great to see how much those OPs reduce the term , you deserve to feel very proud!:)