2012 mfw

pammyj74

No. 53 signing in with another little OP of £100, total now £2970

curlygirl1971

Hello all

Not kept up with this thread - sorry. All work and no play recently

Hope everyone is doing well and keeping up the good work

My mortgage OP'ing plan is now taking a back seat as I save up for a Wedding (mine). I never thought I would find myself in the position of uttering those words - but there you go :rotfl:. I can either save up or OP. Although I don't want a big do and a big dress, I don't want to get to the day (whenever it is) and think 'I should have done X.....'. So in the meantime I am saving what I can to pay for what I want/can afford. Wedding date - sometime next year I think but no particular rush. Of course the OH will be doing some saving too but saving is as easy as breathing for him :cool:

So this month the grand total of £6 has been OP'd against my mortgage bringing my value to £25766

In future months I will still be officially OP'ing but these amounts aren't really OP's - they are the difference between what my Standard OP should be had I not been OPing and had it not been reduced and what my Standard OP officially is - about £106 per month.

How do I feel about the impact on my mortgage life? Pretty naffed off...........but you can't spend (save) the same £1 twice!

waughc01

Number 37 signing overpayment of £16,000 !!!!

As of today we are MORTGAGE FREE !!!!!!

I would like to take this time to say a massive thank you to everyone on this site for keeping us motivated and reaching our goal. We have learnt so much from reading other peoples diarys. Thank you, we would both like to wish everyone the best of luck with their mortgage free journey.

Spiggle

Hi All,

Your lovely OP is now updated pammyj74, every little ...!

Wow! curlygirl1971 CONGRATULATIONS!!! :T:j:T:beer: I've updated you and you are well over target with 103.32% so you're fine for that. Do you want me to log the £106 per month for the rest of the year?

And even more CONGRATULATIONS AND CELEBRATIONS FOR waughc01 and household! Fantastic news! :j:dance:_party_:beer::T:D

From the googledoc, skaps your May and June OPs are now updated.

See you all later,
Spigs

gallygirl

waughc01 wrote: »

Number 37 signing overpayment of £16,000 !!!!

As of today we are MORTGAGE FREE !!!!!!

I would like to take this time to say a massive thank you to everyone on this site for keeping us motivated and reaching our goal. We have learnt so much from reading other peoples diarys. Thank you, we would both like to wish everyone the best of luck with their mortgage free journey.

:T:T:T Well done :T:T:T

curlygirl1971

Spiggle wrote: »

Do you want me to log the £106 per month for the rest of the year?

Spigs

No thanks Spigs - to be on the safe side I think I need to actually produce the OP's before I report them


Well done Waughc01 :j- MFW's that become MF are a huge motivational boost to those of us that are still striving

sweetdaisy

No 31. reporting. First overpayment made for June - £60.

LavenderBees

waughc01 wrote: »

Number 37 signing overpayment of £16,000 !!!!

As of today we are MORTGAGE FREE !!!!!!

I would like to take this time to say a massive thank you to everyone on this site for keeping us motivated and reaching our goal. We have learnt so much from reading other peoples diarys. Thank you, we would both like to wish everyone the best of luck with their mortgage free journey.

Fantastic news! :j Gosh, I welled up as I know how much it means!

LB xx

lighthousescotland

Many Congratulations from me too waughc01! Am really delighted for you. :j:j:j. I am about 5 and a bit years off being mortgage free and can't wait but in the meantime I really appreciate everyone on this forum and all the support. :):):):):):):):):):):):):):):)

starflame

waughc01 wrote: »

Number 37 signing overpayment of £16,000 !!!!

As of today we are MORTGAGE FREE !!!!!!

:beer: CONGRATULATIONS!!! What a great feeling that must be. Sadly they don't have a smiley popping a champagne cork so a massive party will have to do...
_party__party__party__party__party__party__party__party__party__party__party__party__party__party_