Ultrarunner's aim to be mortgage-free

ultrarunner

Gosh I'm tired... trip to the dentist today which cost me the princely sum of £17.50 - good old NHS!

I am a little bit self conscious of my teeth as they are quite yellow and wonky), and next time I go I may enquire about straightening and whitening. I don't expect it will be cheap, but what can you do, I'm not going to grow another set!

Payday in a week - sorely needed as I am about to go overdrawn. Going to be a few tight months with credit card bills from stuff to do with the house, however that will be passed soon.

I am really hoping there is a payrise this month and that I am eligible for it, similarly a bonus. It will be a bit touch and go given me leaving my job in March and then coming back a week later.

Lovely 5 mile run tonight

ultrarunner

Well just a quick post to say I have olympics tickets, a bit of an extravagance I probably can't afford but what the heck, it's about the same as a West End show or a Premiership football game.

Athletics and Hockey, can't wait!

ultrarunner

I'm shattered!

It's so warm, had a lovely run this evening but boy was it hot.

Anyway I now have a bed and dining room chairs, both bought second hand this weekend. The bed came with a free mattress so once it's set up my house will be complete.

Hopefully not much more house spending needed now.

Got 3 weekends away on the spin now - the Lake District, London for the Olympics and then North Wales. My summer's often seem quite hectic, but fingers crossed for a quieter September and October.

Payday on Wednesday - this will mainly be servicing the overdraft and the credit card bill.

ultrarunner

The first £50 standing order came out today, attacking mortgage part 2 @ 4.09%

Just a small token overpayment until I get a lodger in.

Tired from a long weekend in the lake district, fantastic walks and weather. And met up with my old ultrarunning partner, and made a commitment to get back to running ultras together... all in all a lovely time.

ultrarunner

Hurrah, bonus is being awarded and I am eligible, only 3 months rather than a full year due to my leaving my job and then coming back.

But it all helps. A few hundred quid will come in very handy this month... I may overpay it just to start attacking that interest.

ultrarunner

What a lovely day. I'm just off for a run.

I've had a productive day sorting things out in my house.

Paid into the bank some old coins I found left by the previous owner
Dropped off some foreign currency I found at a charity shop.
Birthday present bought for my Mum - 60 on Tuesday.
Changed tariff for gas and electricity to one which will save me £80 / year.
Cooked up a few meals for next week.
Tidied up a few things in the kitchen and the garden,

House is pretty much sorted finally, next stop is the front garden next weekend. Shifted all the soil 2 weeks ago and the paving will be done over the bank holiday.

No overpayments to report yet, but the aim is to get on with that in the Autumn.

ultrarunner

Just worked out I can save £25 a month on my season ticket by splitting it into 2 season tickets!

Seems like a small amount but with my limited income that's a massive boost. Highly recommend anyone commuting by train tries this!

Mortgage_Reduction_Novice

Good find on the ticket splitting - why not commit your £25 per month saving to OPs?

ultrarunner

I think that will be the plan :-)

I am waiting to see what sort of payrise we get (next month apparently) before deciding whether I can afford to keep saving £200 / month into an investment trust. Chances are I will stopping that and committing a varying amount into overpayments each month cashflow dependent.

Mortgage_Reduction_Novice

We currently have a low amount of regular OPs but once the renovations are done our OPs will vary month to month too.