Mortgage Free in Three Yrs

setmefree2

Superfast_Gran wrote: »

:embarasse I've been naughty, very naughty :embarasse

I know I said we had decided when I joined Kleeneze that any bonus cheques would go straight to mortgage overpayment but I spent it today. My Grand-daughter is growing like a weed and out of her current stock of clothes so I went to Asda and bought her some new gear. Of course it didn't stop there - I got her 2 big brothers some stuff too! In my defence, well, I have no defence actually, but Mum & Dad are not working and the poor wee soul's legs were freezing so I set off to get her tights! Before I knew it, I'd gone daft - again It's what Grannies are for though, isn't it?

Tut Tut

Just joking It's really kind of you - we don't want to turn into miserable misers, do we:rotfl:

TallGirl

I totally agree you have to live your life and I am sure the pleasure you got from getting all that stuff will have been worth it SuperGran.

Just checked my mortgage statement this morning interest this month £26. Thats 84p a day compared with £1.27 last month. Wonder if they will cut interests rates again today.

sallyb17

Indeed, the BoE has again cut interest rates by 0.5% to 1.0% :j

Signature amended accordingly!

Trying_to_be_good

I've collected my car after having it fixed, and very glad to have it back. I'm hoping it feels really loved, and won't need anything doing for a while.

Looking forward to the rate cut from 1 March - my daily interest will be down to just £1.82, the rate cuts aren't saving me nearly so much as at the beginning, but I'm seeing that as a good thing!

Hope everyone else's snow is melting like it is here. Being able to walk along the pavements at normal speed is a real novelty!

Desperate_Housewife_2-2

Just popped on the thread to say hi to everyone and see how you are doing.

I'm at the impatient stage again! I seem to go in peaks and troughs...build up through the month of impatient tension followed by a surge of relief/joy/excitement (call it what you will) when I pay off some towards the mortgage then a slow build up again until the next payday. And so it goes on...

I'm looking forward to the spring when I can plant my seeds and get the veg garden going again. Not only a money spinner but a highly enjoyable family activity.

Constantly on the lookout for money spinners too. The stoozing has fizzled out for me, its just not worth it with all the BT fees. My mortgage rate is 3.9% at the mo with virginone so not worth it as my balance stands at around the £5k mark in terms of being charged interest. Got a couple of stoozepots to pay back but have 2 A&L regular savers to cash in (fixed at 12%) which should make £150 ish each which will go towards the mortgage.

I complained to British gas the other week and didnt hear anything until yesterday. They were late servicing my gas appliances so they sent me £91.50 which I have put towards the mortgage too. Nice to get money you weren't expecting.

Thing is I think I have exhausted all the possibilities now and its like I'm running a marathon and nearly at the end but running out of steam! Does anyone else feel like this? Must keep going!

We are having a little holiday at easter though (already saved up the dough too!) and off to a nice restaurant we like which doesn't happen very often so its a treat. I'm sick of porridge for breakfast, rubber chicken that lasts all week andsalivate at the thought of takeaway fish and chips!

Got to balance up getting a life with paying off the mortgage! My work is ad hoc though so I daredn't spend too much in case it dries up.

There! I feel better now I have all that off my chest! Anyone for [STRIKE]fish and chips[/STRIKE] rubber chicken?!

ailuro2

£5 for a fish supper might seem steep, but if you were to buy the fish , potatoes, oil etc, add on the cost of fuel, time to cook it etc. then it's really not so bad....

And you're keeping fishermen in a job too if you buy from a chippie that sources British fish.:D

Don't you remember the report that came out a hwile back that said it was the little pleasures in life like nice pillows, fresh towels etc. that gave people most pleasure...£5 isn't a lot to pay to reward a hard month of overpayments, especially when you got a buckshee £91 from British Gas!!:beer: Take your own thermos with tea, and buttered bread, and sit down the beach to eat it, if you've one close by....

1274

Desperate_Housewife wrote: »

Thing is I think I have exhausted all the possibilities now and its like I'm running a marathon and nearly at the end but running out of steam! Does anyone else feel like this? Must keep going!

Oh yes me too. I'm down to the last £5K (just under :j) and can't seem to build up enough to finally pay it off. There's just been one expense after another since we started 2009 and I haven't actually made an overpayment from my own money this year. I'm having to put all my contracting income into savings to build up my tax fund as I have only just realised that I will have to pre-pay next year's estimated bill as well as this year's in January 2010, so I don't have any spare money despite having a lot coming in or due in the next month :mad:

Desperate_Housewife_2-2

Thanks guys for the replies, feeling a bit better today as I'm having a really good month workwise and Feb is a short month too. Also rubber chicken from sunday is all used up and we are having boulangere potatoes in remoska with some fish done in foil with onions, tomatoes, olive oil and lemon so a nice tea always cheers!

I know what you mean 1274 about a slow start to 2009, I think most years feel like this, especially if you haven't planned for xmas. I'm saving up for this xmas now and have been doing this for a few years and it has helped me a lot.

Thanks ailuro2, I agree with what you say, I must have come across as a bit of a skinflint but I'm not really. I'm looking forward to my hols at easter and I've found that anticipation is sometimes better than reality so looking forward to things is always good too. Because we rarely eat out, I enjoy it more as a treat. If I ate out every week then I reckon it would take the shine off it a bit.

My daughter made a lovely cheesecake in school today with ginger nut biscuits for the base and I really enjoyed a slice with a cuppa when they got home. Simple pleasures!

TheBees

I'm feeling really positive about paying off a good chunk of mortgage this year. :j The standing order of £180 has come out of the current account and gone to the new internet saving account for the first time this month and I now feel as if we're off the starting blocks and running. I've decided that any spare cash at the end of each month or my 3 monthly count of my £2 coins will be added to that account to boost it further.

I checked our mortgage details and to get out of our fixed rate would cost us a couple thousand in fees so it's just not worth it. :mad:

Good luck everyone.
TheBees

Desperate_Housewife_2-2

TheBees wrote: »

I checked our mortgage details and to get out of our fixed rate would cost us a couple thousand in fees so it's just not worth it. :mad:

Good luck everyone.
TheBees

Shame about the fees and the fixed rate in view of the falling rates. Have you double checked the numbers? At least you can console yourself with the fact that they could have gone up too, hindsight is a wonderful thing. Keep up the good work