2010 MF Wannabes

curlygirl1971

Barny1979 wrote: »

Reached my 2010 target of £10,000 this morning

WOW Well done!

pammyj74

curlygirl1971 wrote: »

I'm with the Halifax as well but my current bal is circa £42.2k. My DD usually leaves my CA on 1st. At the same time I notice the Halifax put the months interest on the balance. Then on the 2nd the Mortgage balance is adjusted to reflect that months payment.

This time my account wasn't updated until today (Mortgage payment left CA yesterday due to BH) and bizarrely the balance was £10 more than my SS said it would be. The balance is usually a couple of pounds under what the SS say's its going to be.

So sorry I don't have an explanation..........but mine isn't as it is usually either. And for the difference you are talking about I'd definitely ring them up!

yes that happens with me usually as well, it was £80,220 ish on Monday (after interest of £239) and my MP is £696 so the figure must be right then :j

I think with yours it might be a couple of extra days interest as it wasnt done on the 1st maybe?

pigtails_21

ironman1 wrote: »

£490 overpayment going in tomorrow. Would have been £200 more but put that towards our savings as we are both starting new jobs soon...peace of mind and all that!

I bet you'll think I'm an on-line stalker :rotfl:I know we both have shared-ownership places, with similar overpayment targets..I'm also starting a new job soon as well (I'm an accountant though, so hoping we're not in the same field)

Unfortunately my monthly overpayment is just for £350, but once the wedding is out the way I'm hoping to increase it..

ironman1

Ello pigtails, yeah we are thinking of making our monthly OP for about £350-400 as a standing order. It is usually anything from 300 to 600 quid a month but we are getting married next year or 2012 and need to save for that!

pigtails_21

ironman1 wrote: »

Ello pigtails, yeah we are thinking of making our monthly OP for about £350-400 as a standing order. It is usually anything from 300 to 600 quid a month but we are getting married next year or 2012 and need to save for that!

Have you got any wedding plans? I'm hoping for 2011 but I think my OH would prefer 2012 as longer to save. My preference is to get married abroad, to keep costs down, but also because we have a mortgage and a four year old. I know many may disagree with how we've done things, but for me all that matters is that other half and DD are there (parents would be nice as well, but that's it)..my other preference for 2011 is it means we will start putting a lot more to the mortgage sooner.

When I'm not thinking about my mortgage, I spend half my time looking for that perfect place that doesn't have a bad review on trip advisor...would love any recommendations anyone has..especially if they do weddings

ironman1

Yeah we are considering doing it abroad, obviously not everyone will be there but my advice is do what's best for you and what you can afford. If you are getting no help from others why put yourself in debt, especially with a four year old to take care of! Good luck

FirstTimeSaver_2

Hiya

I have been reading through the threads for inspiration and I have decided that as well as setting a target for the amount of overpayments that I would like to make on my mortgage that I would also like to set a target of when I should have paid off a certain amount of my mortgage. I think it will give me a bit more inspiration as I can then feel that I am achieving something.

I would like to get my mortgage under £162,000 by 31 December 2010.

Barny1979

As I've hit my 2010 target of £10,000, I think I may amend my target to £14,000 for 2010. Just paid another £600 off

cake21

Well done to all!

.....................................2010 OVERPAYMENT TARGET APRIL TOTAL YEAR TO DATE (spreadsheet version here)

1. cake21 - £16000 / £4820 / £11386
2. cha97michelle - £5000 / £36.99 / £1315.37
4. someday soon - £6500 / £881.47 / £3525.88
5. wantabetterlife - £5000 / £45 / £1091
6. pammyj74 - £3000 / £300 / £2126.4
8. oscarbobbins - clear mortgage in 3 years / £4000 / £10214.06
9. pollys - £5000 / £1000 / £4000
10. pigtails_21 - £3500 / £350 / £1100
12. violetblue - be mortgage-free! (£4000 OP) / £500 / £2200
13. chirpchirp - £13200 off mortgage, £9500 in savings / £2350.56 / £7940.62
14. SOandSO - £20000 / £1600 / £6400
17. wynnvegas - be mortgage-free! (£22440 OP) / £1825.83 / £7419.7
18. golfiematt - £4000 / £500 / £2000 Original target reached April!! :j:j
19. uzubairu - reduce mortgage to £65000 (£10000 OP) / £1000 / £3990
20. Little Mama - £5000 / £364.52 / £1963.48
22. FlowerPower - £4000 / £500 / £2250
23. gratefulforhelp - £3000 / £48 / £1054.9
25. Sleepy head - £10000 / £2861 / £3261
29. financialbliss - £6000 / £500 / £2000
30. black taxi - £7200 / £666 / £3133
32. jacqhale - £3500 / £200 / £1000
33. elliemoo - £5988 / £100 / £1098
37. ironman1 - £4000 / £454 / £1603
41. Kerry Woman - £1500 / £500 / £1020
42. ajmoney - £1200 / £139.76 / £559.04
44. Ayeshalush - £5000 / £400.44 / £3503.09
48. SmileyG - £2760 / £250 / £1000
51. Di-Dough - £2000 / £129.35 / £512.56
52. fluffysox - £10000 / £1300 / £6300
53. Malski - £10000 / £35959 / £35959 Original target reached April!! :j:j
54. Kerfuffle - £2010 / £264.55 / £1258.2
56. narnie1 - £11000 / £1000 / £3100
57. Creditcardkid - £14000 / £275 / £6875
60. glitterball - £5000 / £715.85 / £2049.53
61. kazvinny - £1200 / £300 / £400
65. Kazby - £10000 / £2700 / £10483.09 Original target reached April!! :j:j
67. SwitchyChick - £18000 / £976.24 / £4855.31
70. sheslookinhot - be mortgage free! (£5000 OP) / £650 / £2600
73. Barny1979 - £10000 / £2103.76 / £9138.58
80. DIYPhil - £5000 / £269 / £1076
81. abouttimetoo - £9600 / £500 / £2300
82. CrushedKitten72 - £700 / £60 / £220
83. jaywhoopee - £3600 / £328.8 / £1272.08
86. beniamino - £14400 / £1900 / £7388
90. kizzie01 - £4200 / £221.82 / £1134.28
91. AvidSaver - £2200 / £400 / £1600
93. ekroys17 - £6000 / £2071 / £3784
94. Mr Pickwick - Completely clear £27,666 mortgage (£23573 OP) / £2120.84 / £8483.36
95. NoobySaver - £20000 / £700 / £13710
96. Needhelpsaving - £1500 / £229.24 / £1000
97. Moniker - be mortgage free! (£6000 OP) / £500 / £2000
98. Sunny Donny - £500 / £40 / £161.54
99. wilsons - £1200 / £172 / £727.15

cake21

101. miss undastood - £7200 / £640.85 / £6120.01
102. canne - A$13000 / A$122.36 / A$4766.32
104. utopiah - £5000 / £550 / £1000
105. prudence41 - £6000 / £500 / £2000
112. poppyoscar - £3000 / £750 / £2750
115. wannasavemoney - reduce mortgage by £7948 to £80000 / £1335.59 / £2624
119. fieldofdreams - Completely clear £22500 mortgage! / £2900 / £4100
121. vwchris - £14500 / £700 / £8000
122. NellieB - £3000 / £300 / £1400
124. rumncoke - £12000 / £1478 / £5325
126. chelly78 - £1700 / £306.06 / £1074.05
127. moggyr - £3000 / £707 / £2444
128. froddington - £3000 / £300 / £1576
130. azza2007 - £5000 / £250 / £1250
138. anthonini - £4500 / £250 / £1000
139. curlygirl1971 - £2000 / £335 / £1014
144. HarveyGal - £10000 / £172 / £5276
145. Mellyd - £600 / £50 / £150
149. skaps - £700 / £60.11 / £180.44
150. mummyofonechild - mortgage-free by 2012! (£1200 OP) / £150 / £550
154. IHateDida - £4000 / £434 / £1806.76
156. LittleMissKitty - £1200 / £200 / £300
159. fruitdogs - £8000 / £610 / £2955.68
161. DansMum - £2904 / £230.34 / £1022.36
164. SimbaK2K - £2000 / £50 / £650
167. Baby steps - £1500 / £100 / £200
168. Leigh Anne 60 - £5000 / £300 / £950
169. Janeh99 - £10000 / £5000 / £5000
171. albionsarah - £15000 / £6750 / £15925 Original target reached April!! :j:j
172. FirstTimeSaver - £1300 / £470.28 / £470.28
173. greent - £10000 / £216 / £756
174. craftingmad - £16000 / £500 / £500
176. secretservice - £2000 / £17.3 / £17.3
177. Parnott - £3600 / £500 / £1500
178. Lilium - £7500 / £2200 / £2200
180. pencekeeper - £27300 / £12900 / £12900


TOTAL - £1,097,253 / £124,327 / £407,397
(£41,646 ahead of YTD target :j)