Waving goodbye to my mortgage!

Lois_E

Hi beachie

I too sometimes succumb to the temptation to feel discouraged when other people are OPing by more than I earn. But it gets easier as you hang around on here longer. There are people celebrating OPs of £5000, and other people celebrating OPs of 50p, and everyone is encouraging to everyone else, whatever their speed of OPing. I've been on here a few months now, and have managed one OP of £35, but have now had to stop and wait and won't be able to OP any more until my building work is finished. The key thing I keep reminding myself is that I know I will get rid of this mortgage faster if I'm on here getting inspired and encouraged than if I let other people's huge OPs put me off belonging to this community. So I'm here and staying here. :-)

originalmiscellany

Well said Lois_E - as usual. We all have our targets, and we can't compare our race to our neighbours. Every overpayment made by you is our success; and all we can do is encourage you to do the best you can and let us celebrate your victories

beachie

Lois_E wrote: »

Hi beachie

I too sometimes succumb to the temptation to feel discouraged when other people are OPing by more than I earn. But it gets easier as you hang around on here longer. There are people celebrating OPs of £5000, and other people celebrating OPs of 50p, and everyone is encouraging to everyone else, whatever their speed of OPing. I've been on here a few months now, and have managed one OP of £35, but have now had to stop and wait and won't be able to OP any more until my building work is finished. The key thing I keep reminding myself is that I know I will get rid of this mortgage faster if I'm on here getting inspired and encouraged than if I let other people's huge OPs put me off belonging to this community. So I'm here and staying here. :-)

All very true. I am addicted with coming on here and having a read and everything is so inspiring.

Bet you are looking forward to the building work being complete. What are you having done?

I am very much looking forward to pay day now! :T

beachie

So far I have tonight been on a few cashback websites and earnt around 50p. :T

Lois_E

beachie wrote: »

All very true. I am addicted with coming on here and having a read and everything is so inspiring.

Bet you are looking forward to the building work being complete. What are you having done?

I am very much looking forward to pay day now! :T

Nothing very exciting I'm afraid - mostly fixing things that were wrong with the house when I bought it a few months ago: some problems with doors, a few bits in the bathroom, some work on the roof, a bit of plastering, sorting out the electrics, etc etc. But it all takes longer than you think it will! I'm hoping most of it will be done by the end of August, and all of it by the end of September, or maybe October at the latest.

cha97michelle

Best of luck Beachie. I think we all wish we were doing it better and faster. I've paid off loads this year, but all from the inland revenue, student loan company and tax credits making mistakes and then giving us cheques. I celebrate every overpayment, and my smallest in one day was 50p. My biggest was £10,000 when we cashed in the ISA and payed it in. Horses for courses.

The more you hang around you will see we do try and include everyone's individual challenge on this board, and appreciate whatever you do as it is your choice.

I suggest looking at the all the small things thread, as I think you would like it where we have small things we have done and we want to share.

beachie

Thank you everyone.

Lois_E - Good luck on getting the building work finished.

cha97michelle - Many thanks for your kind words. The smallest OP I have made is 1p! I have done it a few times when I don't have much chance of making a bigger payment but want to do something proactive. The mortgage statement is quite laughable.

Told you I was a little addicted!

Tomorrow I am going to clean my flat, do washing, get organised with all my paperwork and go to the beach.

Hurdler

You hang in there beachie. I might be able to pay a lot off (once I actually START my new job!!) but I am looking to go into journalism eventually where I will be on a third (at most) of what I earn now as a senior IT professional so as someone said, it really is all relative. I need to get my mortgage down quite considerably if I want to do that.

However - back to the day job - I MUST revise today for some professional exams worth £3K that the recruiter who placed me in my new job gave me for free. I count that as a saving as I was going to use my Voluntary redundancy money for paying for external certifications so I could go contracting!

so no spreadsheets for Hurdler. Step AWAY from the numbers!!!!

CathT

beachie wrote: »

I am very much looking forward to pay day now! :T

I personally look forward to payday so I can send an OP, don't even think about spending money when wages go in!

beachie wrote: »

So far I have tonight been on a few cashback websites and earnt around 50p. :T

TCB are pretty good for daily surveys (New Vista), they are worth 70p each and I did 2 last night. The tracking is reliable too. Also look out for free trials - lovefilm etc.

beachie

CathT wrote: »

I personally look forward to payday so I can send an OP, don't even think about spending money when wages go in!



TCB are pretty good for daily surveys (New Vista), they are worth 70p each and I did 2 last night. The tracking is reliable too. Also look out for free trials - lovefilm etc.

Lovely and sunny here today. Might go to the beach later.

Yes, I never think about spending money when it goes in, although I want to buy a freeview recorder soon.

Thanks. I have been doing everything I can on TCB and ended up earning a few quid last night and already a couple today. I will do a couple of Surveys today.

I did lovefilm but then don't cancel it, so it generally is a bad idea for me! :rotfl: