Drip drip drip feeding the mortgage

tjp70

The cat’s happiness was short lived. DH found a hotel in Twickenham and we spent two nights there. The cat went to Moggy Hotel. It was a lovely few days away but now back to reality. DS has finally come to the realisation that he has 5 GCSE’s in two weeks’ time and is knee deep in past papers. DH is back to work tomorrow morning so spent an hour going through emails this morning. I have work tomorrow and frankly wish I didn’t. But it pays the bills.

Once we got home, I couldn’t wait to check my Self Assessment account online now that my tax return has been submitted. It’s very confusing though. Eventually I located the correct info and I do have a bank payment pending – yay! £712 winging its way back to me some time soon.

I looked at the credit card bill too – it currently stands at £2742.62. I would dearly love that to be a nil balance. I know it’s not costing us anything – I just don’t like paying all available cash to that card when it could be saved towards Christmas or the mortgage.

This week my focus should be getting back to meal planning because I am very good at not finding anything ‘nice’ to eat in the freezer and persuading DH that a take away would be a great idea.

I have had one enquiry about my business for sale through Daltons but they have not come back to me. So I will list it back on ebay tonight and hope that someone somewhere buys it so that we can buy a family car.

Off to write a meal plan…………..

tjp70

The first of the month is finally here and the mortgage balance is sub £60k for the first time ever. I am ecstatic! Today’s figure is £59,696.88. :j
Next target is to get the daily interest rate of £4.10 down to less than £4.00 a day.

icontinuetodream

congrats on getting below the 60k mark!!! :jcertainly makes all the hard work worth while!!!!

wantabetterlife

Well donr tjp70...must be a great feeling :j

Sepa74

Yippee!!! :beer:

property.advert

I tried going right to the edge and it drives you mad. Everything becomes a fight to reduce cost instead of actually having a life. I found that allowing some free money to be used on anything rather than lifting the pressure on costs worked better. You can also let that build up.

On costs, you need to buy in bulk. I have 3 years' supply of facewash and a year's shower gel. Cost is around 35% of the store price and even these two save a few hundred a year. Just ties some cash up but with an unbelievable effective interest rate !

tjp70

Thank you for all of the kind words. It is also nice to see that I am not talking to myself.
Today, the second overpayment by standing order went into the mortgage account so the balance now stands at £59675.96. Also, yesterday I was finally paid £24 for some dog walking that I did in September. A compromise ensued - £14 towards the credit card and £10 towards the mortgage so that should hit by Friday. I really feel like I am getting somewhere with the mortgage this time – let’s hope the momentum is maintained.

tjp70

A bumper day today – our ‘usual’ monthly overpayment of £175.00 went into the mortgage, plus the new weekly standing order of £25.00 plus the additional £10.00 from the dog walking making this week’s overpayment total £210.00 :j

Radish72

Great news :T

You will soon be in the 58's

icontinuetodream

tjp70 wrote: »

A bumper day today – our ‘usual’ monthly overpayment of £175.00 went into the mortgage, plus the new weekly standing order of £25.00 plus the additional £10.00 from the dog walking making this week’s overpayment total £210.00 :j

Woohoo!!!:T It won't be long before you see it under 55k at that rate!!