Making chicken feed of my mortgage

Karmacat

muddywhitechicken wrote: »

My dad's ladyfriend found the new slimline Mr MWC irresistible today - she couldn't keep her hands off him

Old bag :mad:

Definitely an old bag :eek: I bet Mr MWC wasn't too chuffed either :eek:

Oops I forgot to set the alarm last night and overslept by an hour this morning!

You did a *lot* yesterday - sort of not surprised at that! But you're doing brilliantly, and I definitely have whisky-marmalade-envy :rotfl:

shala_moo

Very late with the congratulations, but well done on your 5 figures :j:j

muddywhitechicken

Good morning :wave:

We went to the recording of an episode of Radio 4's The Infinite Monkey Cage yesterday evening :cool: No retakes required so we were back home and in bed by 10 :T

Eggs IN 6
Eggs OUT 0

muddywhitechicken

Eggs IN 5
Eggs OUT 0

No eggs from Miss Beryl for over a week :think: I think she's hiding them, I just don't know where... she looked very pleased with herself this evening :rotfl:

There was a beautiful sunset this evening It was just a pity that my commute home is due west and it made for very difficult driving conditions

This evening I will be sorting through some bags of clothes from the loft. I imagine that most of it will go in a charity bag but I vaguely remember a brand new pair of my favourite jeans in the next size down being up there

Slowdown

Hi
I've been dipping in and out of your journey towards mortgage freedom. Impressive doesn't cover it. Am I right in thinking you have made £66,000 + in overpayments? That is some feat! I haven't read the full thread but is that through regular payments over or some lump sums too?

I have 7 years left on a 125k mortgage. I seriously want to pay off as much as possible in the next two years before I have 2 kids together at uni where I will be forking out vast sums. I have one there at the moment who is finishing her last year and we pay her rent. She pays for everything else and doesn't ask for anything. We are planning to do this for two more, one of whom goes next sept after a gap year and the other follows a year after. We feel we have two years to pay off as much as possible which may include some savings as our mortgage term is up at the same time as two rents will be paid.

Thus when we renew our terms it will be for less and it won't hit us as hard. Im scouring your thread for any hints and tips I can get.

Well done you for sticking at it so long. :T

Kind regards
Slowdown:)

muddywhitechicken

:wave: slowdown - thank you

A combination of regular OPs (we've both been lucky enough to have promotions and above inflation payrises in recent years + being less wasteful with money) and one-off OPs from bonuses, share dividends, selling shares etc (split between mortgage and holidays). This year we've stopped saving into cash ISAs - all my spare money goes to the mortgage, Mr MWC's goes to a S&S ISA for our retirement.

It's very nearly 2 years since I started my MFW diary and it has really helped to focus the mind

muddywhitechicken

muddywhitechicken wrote: »

...I vaguely remember a brand new pair of my favourite jeans in the next size down being up there

I can't quite fasten the button on the next size down jeans but should be able to by the end of the month :T
Also found 3 pairs in the next size down to those

gallygirl

muddywhitechicken wrote: »

I can't quite fasten the button on the next size down jeans but should be able to by the end of the month :T
Also found 3 pairs in the next size down to those

Great stuff :T

Karmacat

It *is* inspirational to read your diary, MWC - as you say, you and your OH are doing well with payrises and whatnot, but you still work hard at the wastefulness and doing things the mse way. Its really great to read about it

muddywhitechicken

Thank you KC

Eggs IN 3
Eggs OUT 6 (1 box sold for £1.30)

Difficult driving conditions again this evening - heavy rain and big puddles whilst driving into a beautiful sunset - there was a stunning rainbow against dark clouds in my wing mirror

Mr MWC is busy packing - he's off on a work jolly to Portugal tomorrow, back on Sunday evening - lucky so-and-so!

Today was my fifth NSD of the month :T