Mortgage Free in Three Yrs

Karmacat

Hi scarum

Wow, I love the detailed planning - and I love that row of zeroes at the end even more! In relation to stoozing to get a bit more, only you know whether its "worth it". You're dealing with overpayments of £500 a month, and stoozing isn't going to get you anything near that. But what if Amazon selling, stoozing, mystery shopping, brought you in enough to pay off another £500 in its own right? That would be nice. Stoozing brings in some money for very little effort. Mystery shopping, sometimes a lot more, tho its quite a lot of effort - getting to the place, being very alert while you're there, inputting data afterwards, its a lot. But this week, I'll have done 4 mystery shops, for a total of £85, with another £30 attached to one of them next month. Thats quite a big deal. Its up to you!

Moneygoes2money

Karmacat wrote: »

Hi scarum

Mystery shopping, sometimes a lot more, tho its quite a lot of effort - getting to the place, being very alert while you're there, inputting data afterwards, its a lot. But this week, I'll have done 4 mystery shops, for a total of £85, with another £30 attached to one of them next month.

Hi Karmacat

Please can you explain how this mystery shopping works? (i.e. what you have to do, where you have to go, how you register and mystery shopping what?)

Thanks

esthomizzy

Dithering_Dad wrote: »

Besides, if you leave, you won't have the honour of buying me a drink at the MFiT end of challenge party!! :rotfl:

Ooh are we having an end of challegne party. Fantastic.

I've just thought. Am I allowed to mentally assign savings which are earning more than their keep to my total or not? My goal for the actual mortgage outstanding is 210k (from 229) in 3 but I have some cash ISA's and an investment one which is currently doing well. If I can count them I might make it under 200k which would be a much more significant and pleasing milestone in my head.

TallGirl

I have signed up for mystery shopping and get an email when there is new asignments in my area. I am not always by my computer and looking at them afterwards I can see they get taken within 5 to 10min so I have not yet managed to get any. I must live in a popular area but I still hope to get one.

I love Quidco, GreasyPalm and Topchash for cashback. Done lots of Bingo and casino. I am concerned about being a bit addicted at times but it is really quite fun. You usually get £10 cashback for signing up and paying in £10. You then have usualy about £20 to play with on bingo slots etc. Often I get emails with codes telling my I have free money in my account as I have not played for a while. My husband got £20 last week and I used it. Won £147 - now I am just waiting for his neteller account to be sorted and it should be in the bank soon. I also got and extra £10 to play with from BingoZest - not sure why and I won the bingo and got £58.

If anyone wants me to refer them or tell you which deal I have done feel free to PM me.

By the way the chart is doing really well, thanks for all the updates and welcome to the new members.

Kaz2904

I keep thinking that I ought to get into doing some of these bingo offers to try and plump up my payments a bit.
I have been over on OS quite a bit today so am ready to really start working hard on bringing down the grocery budget.
My totals look poo this month but I have had a lot going out so the savings have been pillaged but I was reminding myself that I send money over monthly to save up for these things so although it looks bad it has been budgeted.
I was about £150 down on my wages this month and I have bought a laptop plus all the car stuff plus this stag and hen night and I've done masses of Christmas shopping.
I don't think there's too much left to get now!
I am getting my new front door at the end of the month and that'll cost over £500 but will be worth it. I am confident that I can make up the shortfall in the savings over next year if I/We are careful and get sorted with grocery shopping but DS's preschool extra day is going to cost me £16.60 per week so I think I must do the work on the front of the house by myself to offset the extra that I'm paying for him.
It is just time consuming.
Depending on how I get on with that will tell whether we get downstairs decorated this winter.
If not it'll all be done in the spring and then we can get our bedroom done.
Phew I'm like a broken record aren't I?!

Trying_to_be_good

esthomizzy wrote: »

I've just thought. Am I allowed to mentally assign savings which are earning more than their keep to my total or not? My goal for the actual mortgage outstanding is 210k (from 229) in 3 but I have some cash ISA's and an investment one which is currently doing well. If I can count them I might make it under 200k which would be a much more significant and pleasing milestone in my head.

Esthomizzy - I have 'mentally assigned' my cash ISA to my mortgage - but keep them separate in my sig in case anyone else objects!

Dithering_Dad

I've assigned my S&S ISA and my offset to my mortgage repayment because that's what the cash in these will eventually be used for. IMO I think that it doesn't matter where the cash is held, if it's earmarked for eventual payment onto the mortgage, then it counts towards your totals!

On a different topic.. weezl74 - I noticed you've added a new Avatar photo, is that a pic of you? I ask because when I first saw it I almost fell off my chair, it's an almost exact match with Mrs Dither! Weird that she has a dopple-ganger. It's so like her (even down to the rectangular specs), that I'm wondering if she had a "separated-at-birth" twin! :eek:

sallyb17

I've been doing some extra hours, and after paying in another £150 cash this lunchtime, my mortgage balance is now a fabulous £111691.87 - it's brilliant to keep seeing the balance going down and down and down! :j

My MFiT challenge was to get it down from £114,437 to £100k, but after enthusiastically paying off more than a sixth of this in six months (a sixth being £2406 - I've paid off £2746), I'm well above target so far, which only spurs me on more to get even more paid off!

Thanks to everybody for being so enthusiastic and good luck to all :beer:

taka

Hi everyone!!

I thought I'd update a bit...

Mortgage now at 47,932-22 and loan (for work on my flat) 6830.42 so I'm at 54,762.64 now. Still in negative figures for the challenge (had guestimated that my mortgage plus loan would take me to 54k in April but it ended up being 1.5k more than this.) Oh well at least is is still coming down and I'm still on track to hit at least 43k if not less by the end of the 3 years :T .

I've been managing to find bits and bobs of money to meet the max overpayment I can do on my loan (£100/month) despite not having the money for this in my budgets!! Its amazing how not spending all of my money (ie reducing my grocery budget slowly downwards), pigsback, surveys and quidco all add up along with the odd refund and complaint!!

I got my 1st quidco payment today so I have most of the £100 ready for my november overpayment. I love this site!! :rotfl:

TallGirl

Just a quick reminder please get your updates to me by this Friday if you want to me on the current chart. We have some members which are still showing a £0 balance so please could you PM me to. Just to remind you they are
12 Tigtag
60 Brumiebabe
95 Badgerlady
98 Sarahe
107 Woblesmum

If you are nolonger part of this challenge I can just delete your entry.

Hope to hear from you soon.