Originalmiscellany's MF dreams

originalmiscellany

£37900 to go.
Another £50 taken off.
Spoke to First Direct about the possibility of re-mortgaging with them to a fixed rate if necessary and I was pleased that it would only be £99 fees to remortgage, not that I plan to.
I aim during the week to have at least 3 no spending days, which is easy to achieve as I work in a school, and top up my food credit every few weeks. By the time I'm home it's time to zzzz normally, and I leave early and there's nothing to spend on at lunch time.
Roll on the weekend I say. I'm tired already.

originalmiscellany

150 overpaid -
Down to £37750 now. Small steps = good progression.
Most of this is as a result of the bills I've saved (see posts on 08-01-2011 11:43 AM) - so I figured out it's best to overpay some more.

Pleased that 1/4 of a thousand pounds has been taken off. Good progression

originalmiscellany

250 overpaid -
Down to £37500 now.

originalmiscellany

I'm trying a simple strategy this month, where I budget each week - I pretty know much most outgoings - and at the end of each week, I clear the pot and put money into the overpay pot, hence a number of over payments. Am excited at seeing this go down at a decent rate, and am looking forward to pay day in 2 weeks time to clear some more
How very sad.

originalmiscellany

500 off. £37k it now stands. We have the ability to live super cheap it appears. I'm sure the speed of overpaying will slow soon, but having a wife (MOM) on board certainly helps.

originalmiscellany

Oh and I feel pleased, went and bought a load of toothpaste from Costco - I think it was Crest or some other "a lister" but it was on a good price 12 pack with 50% extra free, so I bought it and then realised we had nowhere to stash them all! How very short sighted of me But what a good price I paid!

cha97michelle

we have loo rolls in the loft and tinned goods and orange juice in the garage after costco sessions. I am sure you will find somewhere.

Great overpaying already this month.

originalmiscellany

My target for the end of Dec was to get the mortgage down to £20k - Currently we will reach that sooner than we anticipated, so I will set another target once that's reached -hopefully a few months earlier than Dec, to see what our next target could/should be. I like targets that are manageable as it means you get them then can set more! Better to go through 9 smaller targets and fail at the last one than fail at one big one - 90% success is better than 0% success my old maths teacher may once have said in his more lucid moments.

originalmiscellany

My money saving dreams are hindered by the cost of diesel! I thought I'd get through this month without filling up but £70 later and a full tank, it's rather dented my weekly pot of cash Might not have the ability to overpay anything this week - but will be paid next week, so there's swings and roundabouts. Also having a party this week so lots of things to buy but hey ho.

originalmiscellany

So, no plans to move, but we're looking at new houses, thinking of looking at the "one" for life. I'm thinking of staying where we are for at least a few years, as a) We'll hopefully be mortgage free by the end of next year and b) I think house prices will drop a bit for a few more years, therefore waiting for a few years will strengthen our cards. I hope!
But it's odd as I've not considered moving before and all of a sudden I keep looking! Even as far as taking my phone with zoopla app on it to see house prices/sale signs in nice areas. Weird. Can someone talk me out of this odd behaviour please?