Ladies & Gentlemen, please fasten your seatbelts ...

elantan

I never thought about yearly mortgage pots before ... But I can deff see the advantage ... I tend to wait till my yearly statement comes in ... Do u reduce your time or amount with your pot ? I'm due to remortgaged next year and think I will put the excess towards term reduction

benbenandme

I used to save it and make an overpayment when I got to £500 (minimum amount allowed), but then because I was moving I just saved it so I could use it for solicitors fees etc. However now that the move is off I may make an overpayment with it (I still have savings in my isas for emergencies), and start again with this new pot.

I will probably keep some of it, maybe pay off £5k, and keep the rest for matched betting float as the season starts again in a couple of weeks

benbenandme

I reduce the term, I keep my monthly payments the same as I reckon that if I can pay them comfortably I'm trying to get it all gone by my 40th birthday (3 years away). I'm just off to create myself a new chart, a bit like Hypnos one with swuares, I reckon as I'm now down to £35k-ish then I am going to focus on it £100 at a time and get colouring in

elantan

Nice way to do it ... Were about 15k more than u ... I'm nearly 38 now ( where does the time go ) mmm might need to get my head working at this idea

benbenandme

Just been playing around with the mortgage calculator and if I can make £1000 by the end of August and then save £400 each month for the rest of the year then I will meet my target for the year of getting the mortgage down to £32k :j:j However, £400 will be incredibly hard to do if the maintenace payments do/have stopped. While they are coming in though then every penny of it will be saved I suddenly feel quite motivated again to get some money made from wherever possible, must sort out some ebay bits this week too

elantan

You could always hire your self out as a tickle buddy lol ... Only joking before I get accused of pimping u out

benbenandme

Well I'm definately getting my mojo back, just found a free £5 birthday bet in my inbox ... played a bit of rouletter and dond with it but couldn't withdraw it cos it was under the limit, so placed a bet on the arsenal match this afternoon, found an arb, and should bring in £8.82 profit in a couple of hours :beer:

benbenandme

Woohoo, another free offer in my inbox,play £10 on games and get a free £5 bet on monday ... £10 played and I finished up £3.32 with the free £5 bet still to come

benbenandme

Yep, £8.82 profit from the earlier bet £988 to go :rotfl::rotfl:

savingmore

happy birthday tomorrow, hope you have a great and fun day...