2012 mfw

black_taxi_2

july--reduced mortgage by £955

g/l all

Spiggle

Thank you all for your very kind thoughts.

I've updated everyone from the posts and from the googledoc.

Glitterball you put your payment on the googledoc for June though you had already made a payment of the same amount for June. Please may I check that you meant it for June rather than July?

A big welcome to our latest challenger mothershipton who joins us at No. 157. Good luck for the remaining year.

Wahay!!! Well done everyone, we just passed the half a million overpaid for 2012. Absolutley brilliant!!!

So today I'll find out if I've got any of my accounts for the past three years left on my desktop computer. If not, I have a great deal of spreadsheet building to do again! I will be spending money this month on an external hard drive and will be backing up on a very regular basis. Big lesson learnt.

See you all later,
Spigs

evi3000

MFW#47
OP of £10,000 about to be made.
I had set myself a target of £20,000 by August so I should easily achieve this. I will be setting myself a new target in September (in the region of another £9,000 - £12,000 by the end of the year) but will decide for sure when we return from our summer holiday.
Thanks,
evi3000

katiegizmo

#133

made an overpayment for July of £200

financialbliss

Oops. A day late. Was away and no internet connection

OK. I've decided to throw £2,250 at the mortgage this month. £887.41 is my regular payment, which means the remaining £1,362.59 is an overpayment.

So, adding these into the year to date totals gives the picture below for July:

#29 - Overpay by £10,400.00.

Month: Ideal Pay / Ideal Total / Ideal % / Actual Pay / Actual Total (Diff) / Actual %

January: 866.67 / 866.67 / 8.33% / 862.59 / 862.59 (-4.08) / 8.29%
February: 866.67 / 1,733.33 / 16.67% / 1,202.59 / 2,065.18 (+331.85) / 19.86%
March: 866.67 / 2,600.00 / 25.00% / 1,112.59 / 3,177.77 (+577.77) / 30.56%
April: 866.67 / 3,466.67 / 33.33% / 1,112.59 / 4,290.36 (+823.69) / 41.25%
May: 866.67 / 4,333.33 / 41.67% / 1,112.59 / 5,402.95 (+1,069.62) / 51.95%
June: 866.67 / 5,200.00 / 50.00% / 1,212.59 / 6,615.54 (+1,415.54) / 63.61%
July: 866.67 / 6,066.67 / 58.33% / 1,362.59 / 7,978.13 (+1,911.44) / 76.71%

Total overpaid: £7,978.13

Which means I'm already three quarters of the way there :j

Don't anticipate being able to make any further overpayments as £2,250 is at the very ceiling of what I can afford per month. If this works out and I've not trashed my cash flow, I intend to rinse and repeat next month.

Financial Bliss.

lighthousescotland

Hi Spigs, please can you put in my July OP of £250. Thank you so much. Have worked out end of year mortagage figure will be just under 40K if I keep up this level. Often tempting to put on the heating though instead. It is hardly Summer!

MFW - 32

Spiggle

Morning All,

In a rush today but I have updated everyone. Some brilliant OPs have been made, well done everyone.

See you later,
Spigs

lulabelle1

Hi Spigs, I'm not as active on here as I once was but I read back a little bit and saw that you had lost your cat.... I'm so sorry to hear this, it's awful when you lose a pet, they are like a member of the family. Sending hugs xxx

lippy1923

Hi all, £100 OP for July! updated in my signature. Have a great day

LavenderBees

lighthousescotland wrote: »

Often tempting to put on the heating though instead. It is hardly Summer!

No! Don't do it...think of your overpayments! :eek:

:rotfl: