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Originalmiscellany's MF dreams
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OM, aren't you entitled to free dental care how that you're pregnant? Or would you rather not know that now that you've spent £17 on a visit?!
I put all my savings / emergency fund etc in my offset as it's the cheapest way of earning interest for me.
The only thing I would say about it is that if you are counting your offset savings as mortgage 'overpayments' you just need to be prepared for the step backwards if you do have to use the savings for an emergency.
I hope that makes sense!Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)
Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)0 -
OM, aren't you entitled to free dental care how that you're pregnant? Or would you rather not know that now that you've spent £17 on a visit?!
I may be wrong, but I don't think OM is pregnant - I think it's his wife. As far as I'm aware, expectant dads don't get free dentistry! Still, it's a good point, so he can make sure that she's getting hers free.Starting again 13/4/19Home loan 1: £21,102.50 Home loan 2: £7,698.99Total owed: £28,801.49
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Yes, you're right Lois_E, I am male (I even went to the mirror and checked!) - reminds me of the Beatles lyrics, What do you see when you turn out the lights, I can't tell you but I know it's mine.
The good wife has got the paperwork/card through and is with the same dentist as me, but hasn't been for several years - fortunately she's still on their books so will go soon for a check up. 17 pounds saved. Am pleased that the NHS takes such good care of pregnant women.
We get no perks to our wives being pregnant other than the sight of them blossoming every day and with their body changes not being so cold every night in bed and needing a winter duvet even in the summer!Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Grinding through the week - have booked a few days away over Half term - feels like it's a million miles away at the moment though!Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
£500 off.
Hopefully a little more from a raid on the wife's piggy bank before teh end of this month is out and I'll be happy.
Next month not looking good - car MOT, Insurance, Road Tax all come at the same time. Ugh!Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
And right on cue - another 1k from the good wife ;0Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
And last post for a few days, just waiting for my threshold to come through - looking forward to getting that next month or the month after. We shall see.Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Another overpayment
1k off.
And what promises to be a very exciting few weeks ahead!Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Nothing to report here - Almost another week over - off to a friends house for a take away tomorrow - a weekend treat, then I imagine loads of work - 2 weeks before half term and there is a LOT to do! Anyway, we're living sensibly, had a lovely home cooked tea tonight - and next 2 weeks have loads of evening commitments on where tea should be provided e.g. open evening, awards evening. Every little helps!Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
wow!!!! :eek: amazing op progress and congratulations on your forthcoming bundle of joy!!! :j:j:jMortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
Mortgage OP £50/£600 House Fund £420/£50000
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