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2012 mfw
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No 39 reporting an overpayment this morning of £61.00 :jNew House... New Mortgage! February 2017: £144,000 :eek:
Current Mortgage Balance: £96,440.99
2017 OP's:£5,935 2018 OP's: £11,956.00 2019 OP's: £11,988 2020 OP's: £1,998
Total Debt[STRIKE] £29,209[/STRIKE] £0 :j:j:j Debt free 6/8/160 -
Brilliant chocoholic_chick, all updated, well done.
From the googledoc, an excellent further OP UnionGirl, all updated, well done.
See you later,
SpigsMortgage Free October 2013 :T0 -
No 141 here again. Just made an overpayment of £300.2014 MFW 99 - Overpayment Target £4000/£4000
2013 MFW 15 - Overpayment Target £6000/£4000
2012 MFW 141 - Overpayment Target £8500/£6300
"Little by little, one travels far" - J R R Tolkien0 -
That's wonderful elliejay, all updated for you.
Take care,
SpigsMortgage Free October 2013 :T0 -
#34 reporting in with an OP for £2K.
TIA Spiggle for maintaining the records and other fellow MFWs for their motivation.
Mortgage: @ Feb. 2007: £133,200; Apr. 2011: £24,373; May 2011: £175,999; Jun 2013: ~£97K; Mar. 2014 £392,212.73; Dec. 2015: £327,051.77; Mar. 2016: ~£480K; Mar. 2017 £444,445.74
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Fantastic OP unhappy_shopper, all updated for you. You are most welcome and you are part of the motivation, so thank you too!
Take care,
SpigsMortgage Free October 2013 :T0 -
No 53. signing in with another couple of OPs totalling £200
Total for this month is now £1000 :j :T
(only £605 off my yearly target which I hope to possible do next month
) MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
MF new target Dec 16 REACHED!! :j0 -
PennyGrabber, every £100 adds up! If you manage it each month for a year, you pay an extra 1200 off the mortgage, and save yourself probably £30 a year in interest, which, if you do it year on year accumulates fast. Working on an average mortgage of 100k, at 4%, if you pay off an extra £100 each month for the lifetime of the mortgage, you save over 15k in interest! Which, frankly is awesome, and makes it well worth overpaying wherever possible.
(Incidentally, other people may be paying off larger amounts each month, but the chances are, they start with larger mortgages too, so the percentage decrease each month may be the same for you as for them. Take heart in your own overpayments and remember the end gets closer each time you overpay)MFiT T3 no 115, MFW 2015 no 65
April 2011 balance when mtg started 300,000
March 16 2015 balance - 165,972
MFiT T3 target 190,000 - REACHED!!!!:beer:0 -
Thank you for your lovely words everyone! My mortgage is quite high for a singleton; it started in Oct 07 at £142600, and I have got it down to £129700 or so. This is almost £13k which is mainly thanks to regular ops. I intend to keep on oping otherwise I'll be retired before it finishes!! (Blame the badly behaved, bad with money ex husband for having to start again at 30!)
Onwards and upwards as they say!
Spiggle, don't worry about adding in the other op. I need to make sure I op in Dec instead of hitting the sales!
Grocery challenge for family of three - me, dd(12) and ds(11), feeding dp 2 or 3 x a week too. Only food, not toiletries. Jan £87.97/£100 Feb £0/£100
Frugal 2018 needed! Saving and NOT spending0 -
£500 overpayment now in for September. 5/10/12 : Mortgage Free0
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