We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Mortgage Free in 10 years

1…2425272930…62

Comments

  • 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
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    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 3:56PM
    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: 14,265 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
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    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)
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture