2012 mfw

Spiggle

Excellent BaillieRiley, all updated for you.

All the best,
Spigs

TwinnyD

First regular OP of £200 made this week

I'm no. 128 on list

Sepa74

I've decided that instead of only being able to record my OPs quarterly, I'll record them monthly, but this means I need to change my goal to £5,000 this year. I have an offset mortgage, so recording my actual OPs is too complex for me to do without the bank statement.

I wanted to reduce the mortgage by £15,000 this year, but that sum included all regular payments and the reduced interest because of the offset. I would still like to achieve that goal, but I think it will be more motivational to have a monthly goal that I have more control over.

So for Jan, I'd like to record an OP of £377.48 out of a goal of £5,000.

Thanks!

madeupname1

rjlawler wrote: »

Hello!

Long time lurker but only got round to registering today for the forum - mainly because I just made my first overpayment on my mortgage!

Have been in my flat for approaching four years and have finally got to a point where I have built my savings up to a comfortable level and done all the work on the flat I want to (and had some good holidays along the way...!)

So now its all about the overpayments! Started today with £250, which is a level I know I should be able to do every month, if not higher. So initially I'll join in the challenge at £3,000 for 2012 please?

Special hello to the new joiner! Welcome:wave: Off to a great start

TwinnyD wrote: »

First regular OP of £200 made this week

I'm no. 128 on list

Hello - I updated your OP of £200 for the month, but is it your first OP of the year? We have you recorded as having already made an OP of £10000 for the year!

Sepa74 wrote: »

I've decided that instead of only being able to record my OPs quarterly, I'll record them monthly, but this means I need to change my goal to £5,000 this year. I have an offset mortgage, so recording my actual OPs is too complex for me to do without the bank statement.

I wanted to reduce the mortgage by £15,000 this year, but that sum included all regular payments and the reduced interest because of the offset. I would still like to achieve that goal, but I think it will be more motivational to have a monthly goal that I have more control over.

So for Jan, I'd like to record an OP of £377.48 out of a goal of £5,000.

Thanks!

Thanks Sepa74 - updated for you

Guys together we have almost overpaid £95k for the first month of the year!:T Wish I had contributed to that, but well done everyone :j

[Deleted User]

Only managed the standard OP of £71.01 so far this month. Bit disappointed, but I have also paid £793 off the CC. Focussing on clearing this before the 0% runs out in March, so at least I've achieved something I guess. Roll on March when the overpaying really starts! :j

madeupname1

wrigleydl wrote: »

Only managed the standard OP of £71.01 so far this month. Bit disappointed, but I have also paid £793 off the CC. Focussing on clearing this before the 0% runs out in March, so at least I've achieved something I guess. Roll on March when the overpaying really starts! :j

It all counts well done. :beer:Google docs updated for you.

TwinnyD

madeupname1 wrote: »

Hello - I updated your OP of £200 for the month, but is it your first OP of the year? We have you recorded as having already made an OP of £10000 for the year!

That is right, aiming for £200 a month on top of the £10k

icontinuetodream

Another £81.20 today to the mortgage pot bringing my total for January to date to £2069.28 :j:j

elantan

number 97 reporting a further £230 this month taking my total for jan to £500 ... am planning on keeping it up

madeupname1

Well done icontinuetodream and elantan. Google docs updated:j