Pawlala's MFW diary (Part II now underway in earnest!)

DawnW

pawlala wrote: »

payday tomorrow... oh how its needed this month! May has been a looooong one.......

June has seemed a really long month too :rotfl:

pawlala

lol yeah that too!

pawlala

so this morning I am making a list of monthly savings since January on the mortgage payments. So far since the start of the year I have saved in total approx. about £400 in reduced payments, forecasting a yearly saving of £870. On 1st January that will be my first OPment. In the meantime I am putting £80 a month into a savings account. I love recycling money!:rotfl:

pawlala

my smallest ever OP made this morning, £1-04 from a redundant savings account. Every little helps!

pawlala

Happy Monday MFW'ers!

I'm 3 months closer to being able to overpay in chunks, I've already exhausted my 10% allowance for this calendar year. I've found out my mortgage rate will go up to the SVR of 4% next April, thankfully next year I hope to be achieve MF/savings parity, target of 31/12/12. New car and house extension aside, according to my calculations I've saved up enough to bring £71,000 down to about £880 by the end of next year. How good my maths is... only time will tell............

icontinuetodream

Hi pawlala....I have just read your diary...I am in awe!!!:T:T:T truly amazing!! :D:D

pawlala

thankyou icontinuetodream

Today I received a freebie sports watch via the Grabbit forum, only P&P paid. the £10 saved has been turned into a mortgage overpayment online

pawlala

Hello!

I am happy to report that I am only 35 sleeps away from being able to overpay without penalty again :beer:

I have already started to make a list of things that will contribute, per month, to OPIng in 2013, such as:

Savings in line rental for mobile phone;
Sky TV discount;
Gas/elec rebate

it all really adds up!! I can't wait to put my list into practice once again

pawlala

Merry Christmas everybody! Ready to launch another assault on my mortgage on Jan 1st when ERC go back to 0.

In the meantime, I've got a whole turkey to eat first

pawlala

hurrah! my first overpayment of the year, £60 from christmas cheques!