Benbenandme's Next Installment ...

beanielou

The best result for all of you if that's possible?

benbenandme

It doesn't matter what I want to happen, it all depends on what the jury think on the day I am just the one left to deal with the outcome and its effects on ds

Pooky

Happy new diary!

I find your budgeting and mortgage pot very inspirational, I wish I could be so disciplined.

We should be moving into our "forever" house in the next two weeks and our mortgage is spread over 26 years!!!! We can afford to overpay by double each month so fingers crossed we can et it cleared really quickly.

I'm already obsessing about figures and need reminding that it's ok to have a bit of fun too so might use your idea of child maintenance being used for treats. I get mine via the csa but it's only £30 per week so gets swallowed in the account without me really noticing it. I shall start setting it aside for something more "fun" for the girlies. :T

benbenandme

Thankyou Pooky, hope everything goes well with the new house You must google and find a mortgage overpayment calculator so you can see how much of an effect the overpayments are making, its sooo motvating

gilligansyle

benbenandme wrote: »

Hello Gilligan (always read that as Gillian for some reason ), ...

..and strangely that is where it comes from! I'm one of the few people on here that is called by their own name. It started on my own thread but I've no idea how it came about.

Although I'm not DF yet, I am making overpayments to my mortgage as that's at a higher interest rate than my one remaining cc. I've never asked them if they accept overpayments, I just send the money via online banking. They've never refused it

benbenandme

Ooh, check your t&c's, some mortgage compabies will take overpayments but they don't apply them to your account until the end of the year, so in effect they are just holding the money (and gaining the interest on it) rather than you benefitting from the savings instantly :cool: Lots don't, but it may be worth just checking it, if they do then its better to keep it in your own savings account until the end of the year and at least then you get the interest

gilligansyle

Thanks benben, but they are showing on the quarterly statement so assume they are OK to take them. It may be there is an upper limit though that I haven't reached yet, so will keep an eye on it.

savingmore

raising my head above the parapet....haven't posted for aloooong time, but still read all your thread and posts.....i really want to encourage you to see the back of jan 2020 as coming down into the 19s would be a big movtivator, knocking another decade off..... i get a big thrill seeing you move your mortgage down, isn't it 12 years or so you have knocked off? blooming marvellous... lots of love for the next 6 weeks or so with the ***** happening....

savingmore

oooooops got my maths a bit wrong.... you would need to see the back of december 2020 to get to 2019... another cup of tea i think for me (can't drink coffee unfotunately, lost the taste for it after ds2 was born)

benbenandme

Thankyou SM, I think I need about another £30 to get rid of it, shouldn't be too long I hope