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Mortgage Free in 10 years

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  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    megela wrote: »

    c) - watch all 7 episodes of The Paradise which are taking up room on sky+ - had a very lazy day in yesterday with DDs and watched 2.5 episodes
    !

    Second job payday today - £65 transferred to log burner fund - up to £530 now. There will also hopefully be enough towards other things needed for lounge renovation. Windows will cost £2000 for front of house, MIL gave us a very genorous gift for Christmas towards this.

    Mum has taken DD1 shopping for new school uniform using M&$ vouchers earned when upgrading sky. May have to split the OP from them over 2 months to avoid leaving me short. Will see how much she's spent later.

    Just one day in work this week and I have my little helper with me!
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • You have nothing to feel blue about - those are great achievements!

    Good luck with 2013...

    MCI
    x
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    edited 3 January 2013 at 4:56PM
    Thanks MCI - think it's just January Blues - and things keep going wrong with the house just when we think we're sorted!

    First OP of 2013 - £10 from Hal1£ax shuffle/reward.
    £5.25 claimed via Paypal from WH$m1th surveys. Opd as payments from paypal now seem to be instant!
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • edinburgher
    edinburgher Posts: 13,892 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Opd as payments from paypal now seem to be instant!

    It's great, isn't it? There was a period over the Christmas holidays when I was able to withdraw money every day or so, very convenient to have it instantly :)
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    OPs thick and fast today - DD1 spent £33 of my M&$ vouchers on new school uniform so have OPd that as well.
    She needs more stuff but leaving that OP til next month.
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    Food shopping completed today - £66.65 online at Wa1tr0$£ & topped up M0rr1$0n$ £16.19 for stuff I'd forgotten! £7 to holiday clothes pot - £144.50/£250.
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    megela wrote: »

    a) - 8 visits to Gym - starting Monday
    b) - lose 3lb - bought battery to weigh myself tomorrow morning
    c) - watch all 7 episodes of The Paradise which are taking up room on sky+ - 5 hours done
    d) get to Warwick Castle to buy Merlin Passes while they are on sale - was given £200 bonus from 2nd job, and have some £100 left from cash MIL gave us before Xmas. We then need to make sure we use them every month.
    e) - get quote for en-suite - easier said than done as no-one gets back to me! - £3340!!!! Eeekkk!!
    f) New addition - De-clutter and clear out sideboard

    Some very small progress being made!!
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    megela wrote: »
    b) - lose 3lb - bought battery to weigh myself tomorrow morning

    Okay here goes - 11st 6lb - more than I hoped but less than I thought if that makes sense?

    I've not been very good at lasting very long on previous diets - so just hoping to eat a bit healthier and exercise more. And think of our cruise in August!!
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    Standard mortgage payment made today and offset interest added - £279.35, annoying £16 off knocking another month off. Still on target to knock 2 months off though by end of Jan making a year off in 9 months.

    Planning a visit to gym tonight and cleared out 3 drawers in sideboard over weekend, and got rid of loads of paperwork and clutter. Meeting these small targets will hopefully make me feel more positive.
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • I think small targets are the way to go.

    I thnk we sometimes put too much pressure on ourselves - so this year I'm going to try the one thing at a time route.

    MCI
    xxx
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
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