£161,044.25 reasons to be mortgage free

wantabetterlife

Thanks for popping by Munchin...i have to say i dont feel like on a day to day basis we are doing that well but if you look at things over the past three years we have come a long way.
The problem is i am very impatient and clearing the mortgage is such a long progress.
I really need to get better at updating this diary and maybe that would keep me on the straight and narrow. Another mortgage payment will go out tomorrow :j:j

wantabetterlife

ok the mortgage payment has cleared and the balance is £134347 so £311 has come off the capital this month
We also managed to save £32 on our car insurance this year compared to last year :j:j

QB_Wolf

Hi just had a quick scoot through your diary, you've done so well in a relatively short period of time. You seem in a similar position to me only 3 yrs ahead so great to see what can be done.

wantabetterlife

Thanks QB wolf...i am going to try and get back into overpaying the mortgage even if its only little bits.
Today i took a few bags of old clothes to the recycling shop and they gave me £7 for them so i have rounded this up and paid £10 off the mortgage :j:j
I also have quite a few bits i could put on ebay its just finding the time to list them, but hope to get this done over the weekend

CathT

Is it a FLW by any chance? I have a pram to sell and was avoiding ebay but not managed to sell it locally. btw, I mentioned to my manager about integrated return and she laughed it off!! Those mortgage figures are coming down nicely, it's a bit of a marathon for some of us but we will get there.

wantabetterlife

Thanks for the encouragement CathT...hope your settling back into work ok...shame about the phased return.
I dont think it is a FLW because they usually email me and i never received anything...i usually start things at 99p anyway so it doesnt matter. For something more expensive you might be better to wait. Hope all the house renovations are complete

wantabetterlife

Have just checked my halifax accounts and they have paid in the £10 rewards so i have just paid this off the mortgage...on a roll today :rotfl:

wantabetterlife

trying to keep the momentum up so have paid £10 off the mortgage This is what i had budgeted for DDs schoolbag but her auntie bought her one today :j:j

wantabetterlife

This morning i used the £30 shop and scan vouchers i received in iceland. Then i went to tescos and used the £5 clubcard voucher i had and doubled it up in the exchange to use on frozen food :j.
My empty defrosted freezer is now full to bursting and i havent actually spent a penny .
The £40 i would have spent has been paid off the mortgage. When this months payment clears we will be in the 133's..WoooHooo :beer:

CathT

wantabetterlife wrote: »

Have just checked my halifax accounts and they have paid in the £10 rewards so i have just paid this off the mortgage...on a roll today :rotfl:

wantabetterlife wrote: »

trying to keep the momentum up so have paid £10 off the mortgage This is what i had budgeted for DDs schoolbag but her auntie bought her one today :j:j

wantabetterlife wrote: »

This morning i used the £30 shop and scan vouchers i received in iceland. Then i went to tescos and used the £5 clubcard voucher i had and doubled it up in the exchange to use on frozen food :j.
My empty defrosted freezer is now full to bursting and i havent actually spent a penny .
The £40 i would have spent has been paid off the mortgage. When this months payment clears we will be in the 133's..WoooHooo :beer:

It's the regular small overpayments like this which really hammer the mortgage down - well done.