Mortgage Free ASAP

Queen-Bee_2

This week I finally managed to book cinema tickets using the Orange Wednesday promotion. Some of you may remember I bought a cheap mobile especially for this purpose...

At over £12 per ticket for a movie in the West End, I'm pleased to report that the phone (bought for £10, with £5 cashback via Topcashback) has paid for itself after the first visit . I felt very pleased with myself. Especially as I passed by Tescos on the way home and bought a big piece of sirloin steak for £5.30, reduced from £8.50 (which I promptly turned into 4x MSE dishes, now nestling in the freezer).

In fact, the only issue of the evening was the state of the ladies' washroom, which was utterly revolting :eek:. I don't mind shabby decor, but I do expect a clean loo and toilet paper!!! I mentioned this to the manager on the way out, primarily so he could get someone down there to tidy up, but instead he apologised and gave us 2 free tickets. Totally unexpected, but a very nice gesture I thought.
QB

Queen-Bee_2

This month’s update (any small errors are due to rounding), looks like this:
Actual payments: Jan, £3,980; Feb, £3,980 (Total = £7,970)
Original scheduled payments: Jan, £645; Feb, £645 (Total = £1,290)
Payments over/above original schedule: Jan, £3,338; Feb, £3,338 (Total = £6,676)
Interest per day: Jan, £6.55; Feb, £6.13
Mortgage balance: Jan, £51,230: Feb, £47,430
% of mortgage now paid off: Jan, 48.77%; Feb 52.57%
% of house now owned outright: Jan, 91.74%; Feb 92.35%
QB

pammyj74

wow well done on your OPs they are amazing. I think I might look at doing my figures that way. Like the idea of percentage of mortgage paid and percentage of house owned

amazing OPs
x

Queen-Bee_2

Received a £75 payment for participating in an on-line focus group last week. Straight into the bank - £25 to put some petrol in the car and the other £50 into the repayment pot!
QB

Queen-Bee_2

Sometimes, it seems like the more I try to save, the more I end up spending...

Earlier this week, I dropped by my local Asda on the off chance of picking up a few whoopsies, however, I emerged £20 poorer, having discovered I could get 3x packets of medallion steaks for £9, 2x packets of bacon for £4, 4x £1 packets of frozen foods for £3 etc. The meat was cheaper per packet if I bought three fresh ones than just the one whoopsie, so I thought I should stock up.

I also managed to pick up a big bag of stock veggies for less than half price, along with half price parsnips and a bag of half price leeks...

This evening, I have had a mammoth cooking session. There's a big casserole doing its business overnight in the slow-cooker with half the meat and I'm just waiting for my leek, ginger and parsnip soup to finish off so I can go to bed.

Tomorrow I have to turn the other half of the meat into something else. It's likely to be curry. Lots of meals for my freezer, but I must try and do more for less. My car tax renewal reminder arrived this morning (£190) plus my first bill from E-On, which is asking for £75 for the first five days of March :eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:
QB

Queen-Bee_2

Update for March 2010
This month’s update (including small errors due to rounding), looks like this:
Actual payments: Jan, £3,980; Feb, £3,980; March £3,980 (Total = £11,950)
Original scheduled payments: Jan, £645; Feb, £645; March, £645 (Total = £1,936)
Payment over/above original estimate: Jan, £3,338; Feb, £3,338; March, £3,338 (Total = £10,014)
Interest per day: Jan, £6.55; Feb, £6.13; March, £5.47
Mortgage balance: Jan, £51,230: Feb, £47,430; March, £43,620
% of mortgage now paid off: Jan, 48.77%; Feb 52.57%; March, 56.38%
% of house now owned outright: Jan, 91.74%; Feb 92.35%; March, 92.97%
QB

Queen-Bee_2

Update for April 2010
As this month marks the fourth anniversary since I took out my mortgage product, I can make a 5% overpayment in addition to the 'normal' one (which itself is artificially high, 'cos I drastically shortened the term a few months ago).

Hence this month’s update is rosier than usual, and the scores on the doors are now as follows:
Actual payments: Jan, £3,980; Feb, £3,980; Mar, £3,980; April £8,900 (Total = £20,850)
Original scheduled payments: Jan, £645; Feb, £645; Mar, £645; April £645 (Total = £2,582)
Payment over/above original estimate: Jan, £3,338; Feb, £3,338; Mar, £3,338; April £8,254 (Total = £18,268)
Interest per day: Jan, £6.55; Feb, £6.13; Mar, £5.47; April £4.37
Mortgage balance: Jan, £51,230: Feb, £47,430; Mar, £43,620; April £35,260
% of mortgage now paid off: Jan, 48.77%; Feb 52.57%; Mar, 56.38%; April 64.7%
% of house now owned outright: Jan, 91.74%; Feb 92.35%; Mar, 92.97%; April 94.31%

Other news is that my lodger has handed in her notice, which leaves a big hole in my monthly cashflow!!! I'm hoping that someone equally nice comes along soon to take her place...
QB

Queen-Bee_2

Until I find a new lodger, I need to really batten down the hatches on the costs-front.

Consequently, I've set myself the challenge this week of living entirely out of my store-cupboard/freezer, with the possible exception of fresh milk.

This morning, I discovered I'd run out of bread - cue porridge for breakfast and there's now a loaf in the breadmaker! Just about to pop a baked spud in the oven for lunch. And this evening I have a committee meeting for a voluntary group I attend, so that's a MSE supper in the offing.

Lack of sweetie things this week is bound to drive me bonkers, but will do wonders for my waistline...
QB

setmefree2

Good Luck with your challenge :T:T

Queen-Bee_2

I may be on larder rations this week, but I've just had the satisfaction of seeing my mortgage payment for May hit my account. It's now down to just under £31k... Next month, there'll be a '2' in front of it!

I'll think about this as I gradually chomp my way through the tins of beans in my store cupboard and curries in my freezer!!
QB