2013 mfw

southerndave

Thanks Lizpaul and Caeraugirl. I still cant work it out. The figures are in my sig. I have a One Account, so just have to repay interest each month. I concentrate on the balance reducing, but cant work out how to translate that into meaningful overpayment figures.......?:huh:

Congrats to Lavenderbees, brilliant result!:beer:

freddykrueger

No 129 checking in with normal overpayment of £203 for October :j

NPowerUser

#86 with an o/p of £1900

Again, big sacrifices to achieve this figure.

I am now ahead of my quarterly target. All things being equal, I should be totally mortgage free by end of the year but I am not counting my chickens.

rainbowcattail

Hi
No. 65 reporting at £720 mortgage overpayment for October. I think the next few months they will be a lot lower due to other financial commitments but something will be better than nothing. Have to work extra hard to be more frugal!

Congrats to Lavender Bees - bet you cant wait until the 28th October!!!

xx

LavenderBees

Aw thanks folks, it's a lovely feeling to be this close...just had a letter from the BS telling me my fixed rate ends on 29th. Another whole day to wait!! :rotfl:, and they've told me my new monthly payment...oh, I don't think so...:p

Best of luck to Pawlala and Npower User who are powering up the home straight in close contention, too. That's fab news to end the year on :T.

LB xx

ETA - my last (ever?!) monthly mortgage payment left my account today... Happy Days, indeed...! :j

elantan

no 2 here with my monthly £500 overpayment ... its been a long year but i am glad we have kept it up... hoping to do the same next year ... and maybe even pay a wee bit more off

congrats to all the nearly MFW's very happy for you all

NPowerUser

LavenderBees wrote: »

Aw thanks folks, it's a lovely feeling to be this close...just had a letter from the BS telling me my fixed rate ends on 29th. Another whole day to wait!! :rotfl:, and they've told me my new monthly payment...oh, I don't think so...:p

Best of luck to Pawlala and Npower User who are powering up the home straight in close contention, too. That's fab news to end the year on :T.

LB xx

ETA - my last (ever?!) monthly mortgage payment left my account today... Happy Days, indeed...! :j

Thanks LB

Its not been easy going without holidays (6 years), cars, socializing, or having more fun than you shake a stick at.

In fact it takes well over an hour to walk to and from work and when I am drenched in the rain I sometimes wonder?

I could buy a car but I prefer to get rid of my mortgage as soon as possible and worry about having fun etc after its gone.

Almost at journeys end within the next couple of months......

PS Well done you

Caeraugirl

southerndave wrote: »

I have a One Account, so just have to repay interest each month. I concentrate on the balance reducing, but cant work out how to translate that into meaningful overpayment figures.......?:huh:

Sorry Southerndave, I'm with Scottish Widows and their offset is a mortgage account with a linked savings account. They just deduct the savings balance from the outstanding mortgage balance then calculate the interest, so I just count how much I'm paying in each month between the offset savings and the fixed overpayment..... Sure it's probably not the best way to work it out, but I need simplicity !

greent

Afternoon

No 35 reporting in with Sept overpayment figure of £620 - bit less than usual as Mr greent has been out of work since May and it's getting a bit tighter here! Should still just make yearly target x

Congrats to lavenderbees!

LavenderBees

I have my redemption statement from the building society - it's about £300 more than I expected due to interest charges and a redemption fee of £125, bloomin cheek! :mad:

But the 29th is definitely Mortgage-Free day

:T

I'll shurrup now until then...:rotfl: