What have I done....

LauraJo

Ugh Monday morning
In the London office today so a nice early start. On the plus side its a free lunch today in the meeting so it could be worse!
Roll on the weekend!

LauraJo

Well that's the lodger gone. Shame because she was nice
Gotta get the next one in now...

moneycurious

how do you cope with the comings and goings.....

LauraJo

It can be a right pain... Especially when you have to explain how annoying the dogs can be if people treat them like babies rather than dogs! Mine will take advantage of anyone if they think they can get away with it!!

moneycurious

i am guilty of that, whoops!

LauraJo

Still no lodger ... Had one agreed but he pulled out at last min unreliable not good so prob for the best ... Ad back up!

lee111s

robedha1 wrote: »

I do this as well. I have a freezer full of meat because of it.

I am a first time buyer and in the early stages of the house buying process. I have had my offer accepted so I'm just waiting on everything else going through now.

I always planned to overpay every month. My starting balance will be £71,250 and will be paid back over a 25 year term. I don't know how quickly I'll be able to pay this back but your thread has given me a lot more motivation.

Anything I have left at the end of the month will be going towards overpaying. I want to save as much as possible on interest over the years. I must start selling anything I don't want before I move and that can go into the pot too.

Maybe I'll start my own diary after completion. In the mean time I'll keep getting inspiration from you and other MFW's.

Make sure you have a nice savings fund of 3-6 months expenses before you start overpaying

LauraJo

I must say I don't have a savings fund at all
I think the savings rate is pretty rubbish at the mo and since one of us is in a reliable ish job hopefully we'll blag it til next year. Savings will then commence!

kirstypark

I am glad I am not the only one without much savings. I can always get my overpayments back if needed and no saving plan is going to pay the daily interest I currently pay to the mortgage. Your figures are very impressive, quite jealous how much you are hitting it. well done

moneycurious

See i can see the pros and cons of having emergency money - as it scares the pants off me not having anything as a back up . how do you feel about it?