We're on our way :)

theyorkbrood

Had to start a new thread as tonight we made our first overpayment :j ..... an extra £500 has gone towards the York Brood mortgage ...so pleased to be on our way..... thanks to all for all your fantastic diaries ... will keep you up to date on our progress....

theyorkbrood

Rang the bank tonight to check the overpayment arrived safe and sound ... it did thank goodness... a great feeling to be on our way .....
Have got a football pig on the windowsill collecting change ......
This could get addicitve

TwinnyD

Congratulations on your first overpayment :T

theyorkbrood

Having a minor panic .... ..sent the money ...checked it was there but should I have told them that I want it to come off the capital ...just read about someone who has mortgage with C&G and seems their money has not been used in that way :mad: Is that unusual ... should I be worried?
On another note anyone else hate being cold and snowy... roll on the summer and light nights

Maybe_its_because

theyorkbrood wrote: »

Having a minor panic .... ..sent the money ...checked it was there but should I have told them that I want it to come off the capital ...just read about someone who has mortgage with C&G and seems their money has not been used in that way :mad: Is that unusual ... should I be worried?

Wow, didn't check this when I set up overpayments. Will give them a call tomorrow to check - and will keep eyes posted on your thread for any expert MSE responses....

originalmiscellany

Have to agree over dark nights. Cold and snow etc never is pleasant in the evenings. Am grateful that in a few weeks it'll be light close to 6pm and quite possibly bright in the mornings too - that's the key one! I think if you speak to C and G and explain what you want to do with the money you might be okay in confirming if it'll be off capital or time. Anyway, you can just up the amount you pay in your mortgage so that it negates the effect of it not coming off the capital?

Looking forward to great overpayments this year from you

theyorkbrood

Thanks for the prompt reply 'originalmiscellany'..... appreciate it and will ring G&G and see what they are up to..... also a big thanks for the encouragement ....
Just got so excited to send an overpayment that I just sent it off without a backward glance.... (note to self - make sure you know what you are doing )
Seemed everyone set off for work a bit earlier this morning so a long journey in .... scooted off home early though so got back before the misty fog set in ... I am with you ... roll on early mornings....

theyorkbrood

Just realized that we have knocked 6 months of our mortgage term already :j

theyorkbrood

Not been good at posting but spend hours reading everyone's diaries.... decided to have a quick update (one year later:D) to make sure I am keeping on track ...

Things achieved.....

Regular A*d* shopper..... major savings there and every month £5 off with the mirror voucher....

Rabbit loving the cheap new food ..... Knew he would get on board...

Managed £200 overpayments each month and mortgage now in the £80's (well only just)

Looking at new job ... less money but better for me I think .... need to do application before I change my mind (again)

Mortgage pig is filling up (£50+ at last count!)

Getting lots of inspiration of others diaries....

Things to do ....

Keep overpaying every month

See if I can really afford a paycut

Keep spending hours reading how everyone else is doing...:j

theyorkbrood

Catching up again ... spend lots of time reading diaries and never get round to doing anything about my own....
So here goes...

Still paying £200 a month as overpayment.
Remembering to buy the Mirror last Thursday in the month for my £5 off.
Went for new job ... hated it and decided better off where I am much as I moan!!!
Still looking at properties by the sea and imagining our little cottage in 10 years (or more time) :j

Our fixed rate is up in Jan and I keep seeing lots of great rates now ... ahhhgggg...

Lots of houses going up for sale in our street.... would it be really naughty to ask for a valuation even if have no plans to move ...??? Does anyone else wonder how much their house is actually worth ... that would help me know if we own the upstairs yet :rotfl:

Will keep plodding and will continue with my ramblings next month ...

Good luck to all

theyorkbrood

After reading lots of diaries I was inspired to head out and do a car boot sale with all our [STRIKE]rubbish[/STRIKE] goods that others might find useful...
Made just over £100 ...:j
Now thinking when to do a big clear out and do the next one!!! Up at the crack of dawn though and soooo tired now...
Hope everyone had a sunny weekend