Making chicken feed of my mortgage

Pearla*Merle

edinburgher wrote: »

Every time I go near the scales at Christmas, my better judgement fairy holds a gun to my head and tells me to back away from the scales :rotfl:

Thanks MWC & Ed for reminding me to Step Away From The Scales. I'll schedule in a visit for February... 2015, maybe.

Well done for going below £135k! :T

XSpender

Happy new year MWC!:beer:

Congratulations on starting 2014 under £135k:D

muddywhitechicken

2013 mortgage stats:

Further Advance
Start £76,212.18 - End £46,210.22 = £30,001.96 reduction :j
Interest paid = £1,575.72
Daily interest reduced from £5.22 to £3.17 :j
Redemption date brought forward from November 2025 to April 2021 (originally April 2028) :j

Original Mortgage
Start £88,776.48 - End £88,780.52 = £4.04 increase
Interest paid = £2,214.92
Daily interest = £6.08
Redemption date = April 2028

Current total mortgage = £134,999.99
Current total OP pot = £35,547.15

muddywhitechicken

Eggs IN 5 (3 yesterday, 2 today) - Miss H is laying again :T
Eggs OUT 0

Interest totalling £215.17 has been paid on our everyday savings

Planning a lazy jimjam day today - still need to pay CCs, work out how much we can OP in January, do fridge/freezer/larder inventory, meal plan and browse new Next Directory.

shala_moo

muddywhitechicken wrote: »

£132.43 OP'd - we will start 2014 owing £134,999.99

Congratulations MWC, it's great to see you starting the new year sub £135k!!

:T:T:T:T:T

unhappy_shopper

Happy New Year MWC

Keep making OPs and you will be shot of your mortgage in no time :T

muddywhitechicken

Thanks US - 2013 was a particularly good year!

I've just made our first £1,000 MOP of 2014

£1,000/month is doable and will mean that we are mortgage free by the end of 2020... BUT... I'm racing Natty to be mortgage free by the start of 2020 so a little extra belt tightening will be required :rotfl:

I'm pleased to report that I won't be ordering anything from the Next Directory, I've requested a payment of £8.06 from TCB and a £10 voucher from CP, and I've resisted purchasing seeds online

greent

What a lovely start to 2014's OPs - may there be many more to come! x

muddywhitechicken

Eggs IN 3
Eggs OUT 0

Looking back at last year's resolutions, I didn't do too well (apart from exceeding the MOP target!) so this year I am going to have monthly resolutions:

January

1. 25 NSDs
2. Grocery and chicken treat budget = £40 cash + vouchers/points/coupons (excl. chieftain haggis for Burns supper)
3. Walk 75 miles
4. No alcohol
5. No chocolate
6. Lose 8lbs

nattypants

muddywhitechicken wrote: »

£1,000/month is doable and will mean that we are mortgage free by the end of 2020... BUT... I'm racing Natty to be mortgage free by the start of 2020 so a little extra belt tightening will be required :rotfl:

Can I just clarify, 2020 will be MORTGAGE NEUTRAL for natty. In order for me to be mortgage free I would have to be turning tricks at least 4X a week, and with the return of the Apprentice and possibly a new series of LLL, my evenings will fill up rather quickly. Just don't have the time really.