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Pay off mortgage and start having fun!

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  • themadvix
    themadvix Posts: 8,930 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    :bdaycake: Happy Birthday Newgirly!! Hope you have a lovely day and the party is okay.

    Lol at DS2 and the healthy cafe! :)
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • kaycastle
    kaycastle Posts: 419 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Happy Birthday! (I've been a secret reader but I'm trying to engage more!) I'm jealous of the victoria sponge - yummy

    You've done so well with your mortgage overpayments from the start of this post to this page here! Just had a good read of your OP now and you've made me realise that my home insurance is well expensive! I need to remember that when its up for renewal.

    Hope you get round to taking a look and doing your next OP soon but also hope you don't do too much of that on your birthday! :)
    Mortgage start: April 2024 - 295k  Current £256k
    Emergency fund: 13.5k/15k 
    Current mortgage free year: 2054 2039
    Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
    The little joy list
    Books read: 41 (2024) | 12 (2025)

  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy birthday newgirly (I always remember yours as it's the same day as my mum). That cake sounds delicious!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy birthday, hope you are having a lovely day x
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • newgirly
    newgirly Posts: 9,375 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi xspender, cath, vix, and kaycastle thansk for the birthday wishes, happy birthday to your mum too cath :)

    Welcome kaycastle, thanks for reading but don’t be a secret reader, we don’t bite :D would you think about starting a diary perhaps?

    Good birthday so far (except a late night followed by dhs work alarm waking me up at 6am as he forgot to cancel it) I managed to keep my hands from his throat though and enjoyed the rest of the day :rotfl: lunch at a pub with dh, Dd , boyfriend and his dd, followed by the lovely cake at home while watching Toy story two.

    I was very spoilt and got something lovely presents from friends and even a ticket to see the happy Monday’s with ds1 - who has promised to stand near me unlike the last gig :rotfl:

    Best friend got me some nice presents but also five birthday cards all really mushy best friend ones as she liked them all, so sweet!

    Off to raid my wardrobe again as I’m having outfit dilemmas for the party tonight, bought a lovely lace dress from Zara I like but it was £40 and I’m not too sure how often I would wear it as it’s short, can’t bear to think of wasting then money so may take it back if I can find something suitable in the next hour.
    MFW 67 - Finally mortgage free! 💙😁
  • kaycastle
    kaycastle Posts: 419 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Ahhhh forgetting to switch off alarm sucks :)
    But I love a good pub :) I have started a diary just today as I got some pension advice on here and it finally inspired me to get active.

    Glad you had a good birthday!
    Mortgage start: April 2024 - 295k  Current £256k
    Emergency fund: 13.5k/15k 
    Current mortgage free year: 2054 2039
    Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
    The little joy list
    Books read: 41 (2024) | 12 (2025)

  • newgirly
    newgirly Posts: 9,375 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Great kaycastle I’ll pop in and have a nosey around your diary :)

    The party went well, we did sneak off a bit early and gave a lift to a friend. Unfortunately though we heard of some very upsetting news, one of my friends whom we were out with tonight, their daughters friend was the poor young girl who was stabbed and killed last night. It seems it was possibly a random attack as she was sitting chatting with her boyfriend in the park. I can’t even being to imagine what the family are going through. :(
    MFW 67 - Finally mortgage free! 💙😁
  • Oh my I was watching that on the news last night! How very awful....I really don't know what's happening in this world these days.

    Hope everyone who knows her are bearing up as best as they can. Stay strong...... xxxx
    Mortgage 1 - 01/2/2015 - £243,750 ; Mortgage 01/11/2024 - £132,576.55
    Mortgage 2 - 2019 - £76,600 ; Mortgage 01/10/2024 - £47,763.29
    MFit-T5 - reduce to £140,000 MFiT-T6 - reduce to £110,000

    01/10/2024 Daily Interest - M1 = £18.27 (!!); M2 = £7.41

    Debt at highest point in 24 -£21,344
    Debt 1st November 24 - £16,192.18 24% paid. Focusing on this in earnest!!!
  • newgirly
    newgirly Posts: 9,375 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Indeed mortgage minimiser, we didn’t know the poor girl, it’s just very sad and so pointless.

    It was mil’s birthday so we visited and she forcefed me lots of cake so I don’t think I’ll have a loss this week when I weigh in tomorrow.:eek:

    Too tired after not getting much sleep again so I will sort the finances out tomorrow when I’m a bit more with it, I’m already tucked up in bed :D
    MFW 67 - Finally mortgage free! 💙😁
  • greent
    greent Posts: 10,803 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Belated birthday wishes, newgirly!!

    Have some more cake...… :bdaycake: - it's ok, though - this one's calorie free :p:D

    xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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