2013 mfw

NPowerUser

#86 reporting with an overpayment of £2000.00

Slacking for me, just a little behind target but the year is still young.

Keep up the good work folks.

ElusiveLucy

#50 with my usual £500 OP for July.Updated in Googledocs.

Time_to_face_the_music

Hi everyone :hello:

Some fantastic overpayments going on, well done :T

Sorry it's so late but wanted to congratulate mother shipton too :j

Number 135 with an overpayment of £876.68 for July

Thanks very much VoucherMan

snappybadger

Sorry I forgot to give you my first update (only just joined last month!) so here it is:

138. snappybadger

Overpayment target: £16,000
June total: £13,001
Year to date: £13,001

VoucherMan

A quick early update

More June ops added from gallygirl, icklehelen, Calfuray, slowlyfading, Mortgagefreeby50 and snappybadger


July ops for black taxi, ajmoney, Calfuray, freddykrueger, lighthousescotland, darcyboo, elantan, icontinuetodream, NPowerUser, ElusiveLucy, Time to face the music, muddywhitechicken, twistedhazel and NellieB

muddywhitechicken your target's been amended.

.

Jackies

£530 for june! Yay!

pammyj74

Right I have jumped off the SVR rate onto a lower 2 year fixed rate (3.99% to 2.69% ) This now means I will be on a limited 10% OP of my balance. so from August my OP limit will be around £3.5K only.
This month I can OP as much as I want until my fixed rate kicks in next month.
So I have made the decision to use some of my savings to OP this month and then top them back up next month.
I have also upped my payments each month as well and lowered my term to 4 years :j But I will be using the extra MP on top of my normal MP as a standard OP (if that makes sense) So my normal MP at mo is £716 and my new MP will be £806 so £90 will go towards my OP target.
(this will also change as I looking to make my MPs £875 I think once it starts with a standard OP of £160 but jury is still out on that one at the mo)

SO I have made another OP this month of £750 - this is from my car tax/mot, xmas/bday, house repairs etc... funds (to be put back next month) Total for month is £850, total for year £4850/£6000
It will be hard not to OP willy nilly and I will have to make sure I dont go over the limit for charges but will save save save until the next year that the limit starts again (an even lower limit amount then) Will just have to change my habits somehow.

Time_to_face_the_music

We received our final annual endowment statement yesterday and it wasn't pretty :mad:

Am now in a bit of a panic (understatement of the year) and need to up the stakes so have adjusted budget and tightened purse strings so they are stretched to the limit.

Number 135 with an additional overpayment of £146.64 for July

I think that makes me £2869.55/£4000 so am hoping to smash through my year target. I know I need to

If I keep telling myself, 12 months from now, we WILL be reporting mortgage free, it will happen :j

Thanks very much VoucherMan

freddykrueger

No 129 reporting in have managed to make an additional £50 overpayment - not much I know but every bit counts

kirstypark

Hi Voucherman, I did post, but my total is not updated yet for july, £613.32 for no 7 please? thank you.