Yukkibear - The debt free life begins with a whole new set of challenges

debt_cruncher

I tried to join BB but is wouldn't accept my card so I tried another card and then is said that is couldn't identify my age. So I left it at that.

*Jellie*

I've lost my zest for meal planning too. Not doing great on the cooking either so at least you're still on track there

yukkibear

Only just hanging on to meals by the skin of my teeth jellie. The ideas are there but it's putting them into practice.


Tonight we're going to see santa and his reindeer if it doesn't rain. Think I'm more excited than DD lol.

Having a rubbish time at work, really spurring me on to save save save so I could leave. Sure I'll get over it though.

Won £2.50 on BB this morning, but haven't withdrawn as am behind from yesterday withdrawing the extra £5 this morning. I may play that through tonight to prove I'm not a bonus abuser lol.

yukkibear

Played one lot of that£2.50 and got £10 so can withdraw £11.50 in the morning, and then play through again.

I also got a card from them today offering me a free £5 each week through dec as it's my birthday month so have to remember to email them to activate that. I like this bingo site

Trying to resist the urge of a takeaway tonight and cook. Shopping has been no excuse.

debt_cruncher

I couldn't resist the urge of a takeway tonight and we had McDonalds.

yukkibear

I'm having chinese :embarasse

yukkibear

I just downloaded a mortgage calculator and just by inputting the £16 I have in the mortgage account, I can save almost £50 off the mortgage amount if I paid that off now. That has really spurred me on I can tell you.

EssexHebridean

YB - the amount you can save by OP'ing the mortgage is mindblowing - seriously! If I could give anyone just ONE bit of advice it woulod be to stop thinking about doing it, or talking about doing it, and get on and DO IT! We put it off for so long and it's heartbreaking now to think how much further on we would have been! Another good trick is if you come to change mortgage deals (ie at the end of a fixed-rate deal) look to knock a year or so off the term - that helps too. We moved in where we are now and took out our mortgage in 2003 - meaning our MFD should have been August 2028 - At this point in time we stand at April 2021. that's a combination of OP'ing (but only since April last year) and ronding the term down to 20 years remaining when we changed deals in 2006.

jenjade

EssexHebridean wrote: »

YB - the amount you can save by OP'ing the mortgage is mindblowing - seriously! If I could give anyone just ONE bit of advice it woulod be to stop thinking about doing it, or talking about doing it, and get on and DO IT! We put it off for so long and it's heartbreaking now to think how much further on we would have been! Another good trick is if you come to change mortgage deals (ie at the end of a fixed-rate deal) look to knock a year or so off the term - that helps too. We moved in where we are now and took out our mortgage in 2003 - meaning our MFD should have been August 2028 - At this point in time we stand at April 2021. that's a combination of OP'ing (but only since April last year) and ronding the term down to 20 years remaining when we changed deals in 2006.

wow that is amazing. thanks for sharing that with everyone. i am saving for a deposit at the moment but i will be over paying when i get a house for sure!

yukkibear

Thanks EH. OH has always been against over paying the mortgage as his parents did it and were tight about everything because of it. I was chucking random facts at him last night and he understands why it's important to overpay.
We have our little pot for overpayments, but until we get on a great even keel with emergency savings and house improvements then the mortgage gets half of any extra I earn a month which I think is more than fair, OH can't moan we're scrimping and it's still a start.
We're currently sitting at Nov 31 and that's scary.

After the chinese last night I got some mince out of the freezer this morning so there will be no excuse tonight.

I am going to have a sort out today for ebay, it would be rude not to this weekend.