Starting out my journey !!! Altho its a small start

taka

((((Hugs)))) from me too! Hang in there... you are making progress!

Have you worked out how much interest you are saving by OPing? Have you looked at what a £5er a week does to your MF date? A small amount can make a huge difference over time! OPing my mortgage by £5 a week would mean I'd pay it off 1yr and 9 months early saving me a fair amount too!

What about drawing up a table of boxes corresponding to a set amount eg £5/box with a target of your choice between now and when your fixed rate ends? Colour in each box as you have paid another £5 (or whatever you choose) off! I find it really motivating and you can see at a glance you are doing something even if it doesn't feel like it every day...

CrushedKitten72

Stacey, you are doing really well, just remember that the longest journey starts with the smallest step.

I can only afford to pay about £40 a month off my mortgage but that's an extra £40 that I will NEVER have to pay interest on ever again. :j

Chin up and keep plodding along with the rest of us

dexter_fan

come on Stacey - you can do it

Read back on your early posts -

remember how every fiver is worth £12.50! :T

gallygirl

:T Go Stacey, go :T

We all have down spells, just ride it out & you'll be fine

staceydaisy

thank you so much for the encouragement I feel loads better and weirdly smiling to myself as I read. Right Im looking forward to paying another fiver off tomorrow

hugs to all

hayley_jayne

I so agree every little helps. Keep up the good work

staceydaisy

Well thats yet another fiver

Gonna have a look at the oveerpaymint calculators today hopefully looking for more inspiration.

bevan840

:j:T For the extra £5 xx

evab_2

stacey have you got a log of all the payments you've made, maybe that will help you see how well you're doing and how it's building up! x

Louba

evab wrote: »

stacey have you got a log of all the payments you've made, maybe that will help you see how well you're doing and how it's building up! x

I find that helps too I've got a spreadsheet in the shape of a house split into boxes which represent a certain amount and I colour a box when I put in that much to savings. sorry I'm a little sad but pictures work for me!