Mortgage Free in Three Yrs

[Deleted User]

Kaz2904 wrote: »

Interesting reading that chart isn't it? I can't believe that we're nearly at the end of the 3 years. It's almost my payday so I will have another couple of % off the total! Not forgetting that we don't have a council tax payment this month OR the water rates this month.

February's good like that. Though our tax disc renewal coincides with that happy month, so the money we would have spent on council tax and rates, we end up spending on the car instead.

March is a similar story - the older two's annual trip to the vet.

gallygirl

TallGirl wrote: »

WHAT £1k we were quoted £650 so that is extreame, got mine for £750 for two so that is a bargain then. Also £1200 for a bed they probably wont sleep in not very MSE.

Don't get me started on the whole department of pet clothing :eek:. TG, am sure your kittens would great in white tutus :rotfl:

setmefree2

gallygirl wrote: »

Don't get me started on the whole department of pet clothing :eek:. TG, am sure your kittens would great in white tutus :rotfl:

Harrods is hilarious, isn't it:rotfl:and everything is marked up by about a third :eek:.

TallGirl

On the first post you have got 1st April 2010 so guess that is what it was. I think we should do the last update around the 11th April to get as many updates as possible.

Shame we have a few that has not updated for a while do you think I should PM them and ask if they want to update one final time. I know peoples circumstances have changed but unless you are on an interest only mortgage surely the balances will have come down. I was also thinking of doing a chart just with the current people on it to see how that would look.

As for white tutus no thank you but I have got two freecycled kitten harnesses so I shall be training them to come for a walk.

hughmungas1986

TG

If you get the chance then yes PM those who have not updated.

I agree that circumstances will have changed for many people who read this thread but even if they have reduced their mortgages by only a small amount, its still a reduction.

Not all goals will be reached but at least being part of this challenge and seeing the chart updated regularly has given us the kick up the backside to do something about the biggest debt we'll ever have ( hopefully ).

Anyway good luck to everyone in the last few weeks, we've all achieved whatever happens

hugh

CountryWife_2

Hi All,
I have been off radar for the last year or so and haven't updated since my Mum died. Last year went so quickly and was a whirlwind of births deaths and marriages so not all bad news!! Unfortunately haven't made an overpayment on my mortgage for nearly a year but the statement dropping into my letterbox this morning spurred me on to make a small overpayment (only £15, but it all helps), and have vowed to make a small overpayment every month from now on. I know this challenge is nearly finished but I will update Tallgirl so that I can be counted on the last chart.
Hope you have all achieved what you wanted to or at least some small amount like me, I know i am pleased to have started this challenge even if i didn't achieve my goal at the end of it.
Best wishes to all,

TallGirl

Welcome back CountryWife you are back on the chart, anyone else please PM me.

These are the people still on the chart but we have not had an update from so please can you get back in touch for a final update.

~daisy~
Bluelad
cupid_s
Karmacat
molit
Mudbath
OverLandLandy
savvykaz
shazzany
Superfast_Gran
taka
The Bees
Trying to be good

(I have pm'd a few to see what response I get but don't want to hassle people of course)


By the way we started off with 134 and have 53 left after nearly 3 years here is the original list of you have forgotton

01. Dithering Dad - Completely pay off his £150,000 mortgage.
02. ThankYouAndEnjoy! - Pay £84,000 off his £100,000 mortgage.
03. Tall Girl - Completely pay off her £45,500 mortgage.
04. cupid_s - Completely pay off her £66,500 mortgage.
05. Miss Penny Pincher - Reduce her Mortgage from £86,700 to £22,300
06. Kaz2904 - Reduce her mortgage/debts by 43,000.
09. catowen - Reduce her mortgage by £7500.
10. TrikerAndBiker - Reduce their mortgage by £2500.
11. gallygirl - Reduce her mortgage/loans by £25,400.
12. tigtag02 - Reduce her mortgage term by 10 years.
13. amazamum - Reduce her mortgage by £13,508 to less than £30,000.
14. minimoocow - Completely pay off her £51,051 mortgage.
15. hypno6 - Completely pay off her debts of £45,247.
16. daleyd - Completely pay off his £120,000 mortgage.
17. save-a-lot - Completely offset his £74000 mortgage against savings.
18. CFC - Reduce her mortgage by £10,000.
19. ailuro2 - Reduce her mortgage by £25,000.
20. financialbliss - Reduce his mortgage from £73,217 to £35,000.
21. sallyb17 - Reduce her mortgage from £114,437 to £100,000.
22. jobbingmusician - Completely pay off his £36,000 mortgage.
23. Superfast_Gran - Completely pay off her £46,626 mortgage.
24. rsrt130 - Reduce her mortgage by £36,000.
25. MancBrel - Completely pay off his £25,000 mortgage.
26. farhad1965 - Reduce his mortgage from £465,000 to £300,000.
27. ixwood - Completely pay off his £143,000 mortgage.
28. benbenandme - Reduce her mortgage to £50,000.
29. chickadee - Reduce her mortgage by £11,000.
30. shazzany - Completely pay off her £45,000 mortgage.
31. sturgeon62 - Reduce his mortgage by £3000.
32. Bargain Rzl - Reduce her mortgage by £7000.
33. pfpf - Completely pay off his £68,500 mortgage.
34. pinky8 - Reduce her mortgage by £20,000.
35. chica_fi - Reduce her mortgage by 40%.
36. Battleaxe - Reduce her mortgage length by 18 months.
37. Angeldelight - Reduce mortgage from £25,000 to £12,500.
38. Mushy61 - Completely pay off his £16,800 mortgage.
40. togashi42 - Reduce his mortgage by £10,000.
41. pa2539 - Reduce her mortgage by £6,300.
42. FrugalNotTight - Reduce his mortgage from 75,175.75 to £50,000.
43. taka - Reduce her £56,000 mortgage by £11,000.
44. betsanboots - Completely pay off her £39,444 mortgage.
45. pink fairy - Reduce her mortgage and debts by £74,742.
46. hosebergine - Reduce her mortgage from £100,104 to £75,000.
47. angelavdavis - Completely pay off her £130,806 mortgage.
48. Trying to be good - reduce her mortgage by 47,000.
49. Karen L - reduce her mortgage by £17,697.
50. sparklymessygirl - Completely pay off her £10,554 mortgage.
51. Limeycat - Reduce her mortgage by £10,000.
52. do it today! - Reduce her £129,000 by £5000.
53. BARGAINHUNTER! - Reduce her £45,000 mortgage by £2,754.
54. sarmia - Reduce her £120,000 mortgage to £100,000.
55. cazmanian_minx - Completely pay off her £31,982 mortgage.
56. Batgirl - pay £5000 off £200,000 mortgage.
58. md14_uk - pay 15,000 off £151,221 mortgage.
59. juliejim - pay £7000 off £52,910 mortgage.
60. brummiebabe - pay £2500 off £76609 mortgage.
61. LJD1 - reduce his £110,000 mortgage to £70,000.
62. heckmondwike06 - pay off his £71,149 mortage & save 100k towards next house.
63. GreenNinja - Reduce his £30,000 mortgage by £10,000.
64. CaroB - Reduce her £83,955 mortgage by £20,000.
66. woostoon - Reduce his £145,000 mortgage to £80,000.
67. jackomdj - Reduce her mortgage from £80,811 to £8000.
68. mojo_jojo - Reduce his £120,000 mortgage by £18,000.
69. keren29 - Reduce her £126,284 by £10,000.
70. CountryWife - Reduce her £91,000 mortgage to £60,000.
71. Jonmurgie - Reduce his £171,499 mortgage by £33,500.
72. drenbo - Reduce his £126,190 mortgage to £100,000.
73. pariskate - Completely pay off her £22,676 mortgage.
74. Curv - Reduce her £145,499 to £107,000.
75. firesidemaid - Reduce her £105,675 mortgage by £25,000.
76. Bluelad - Reduce his 99338 mortgage by £7500
77. MoneySavingNovice - Completely pay off his £65,000 mortgage.
78. Pandora123 - Completely pay off her £38,150 mortgage.
79. inkie - Completely pay off her £29,345 mortgage.
80. JIMBOBC - Pay £100,000 of his £126,100 mortgage.
81. Redbedhead - Reduce her £65,726 mortgage by £20,725.
82. dawnylou - Reduce her £109,320 mortgage by £2500.
83. sachsaini - Reduce her £92,000 mortgage by £13,000.
84. freebird65 - Completely pay off her £146,088 mortgage.
85. kiwi88 - Reduce her £98,506.89 mortgage by £20000
86. Catshark88 - Reduce her £273,000 mortgage by £50,000.
88. Desperate Housewife - Completely pay off her £41,000 mortgage.
90. Optimistic Saver - reduce her £125,000 mortgage by £25,000.
91. Karmacat - Reduce her £42,900 mortgage by £10,000.
92. LookAfterThePennies - Completely pay off her £56,000 mortgage.
93. ptee - Reduce his £146,000 mortgage by £34,000.
94. meme - Reduce her £260,075 mortgage to £150,000.
95. Badger_Lady - Reduce her £137,500 mortgage to £100,000.
96. mountainlioness - Reduce her £261,385 mortgage by £25,000
97. maureen100 - Reduce her £66,500 mortgage to £34,000.
98. sarahe - Completely pay off her £13,151 mortgage.
99. Seahorse3136 - Reduce her £57,874 mortgage by £10,000.
100. kar - Reduce her £167,200 to £150,000.
101. HammersFan - Reduce his £193,600 mortgage to below £100,000.
102. molit - Reduce his £96,800 mortgage to £77,000.
103. Move To Portugal - Reduce her £135,850 mortgage to £85,850.
104. flibbertigibbet - Completely pay off her £100,219 mortgage.
105. esthomizzy - Reduce her £229,000 mortgage to £210,000.
107. Womblesmum - Reduce her £178,708 to £50,000.
108. lunasaver - Reduce her £45,320 mortgage to sub £30,000.
109. DickDastardly - Completely pay off his £95,690 mortgage.
110. ~daisy~ - Completely pay off her £36,000 mortgage.
111. savvykaz - Reduce her £45,700 mortgage to £30,000
112. Jonesy Bonesy - Reduce his mortgage from £95,000 to £25,000.
113. hughmungas1986 - Reduce his £55674.61 mortgage to £20000.
114. Marvin the Martian - Reduce his £66,495.93 mortgage to £14,764.13.
115. weezl74 - Reduce her £143,000 mortgage to £20,000.
116. Moneygoes2money - Reduce his £152,414.09 to £123,000.
117. RandomLight - Reduce his £92,000 mortgage to £72,000.
118. FreedomGirl - Completely pay off her £18,558 mortgage.
119. monkeymutz - Reduce his £112,700 to £67,620.
120. rockrat - Completely pay off his £97,600 mortgage.
121. 1274 - Reduce his £160,000 mortgage to £50,000.
122. TheBees - Reduce their mortgage from £57,000 to £47,000.
123. Miss_Pink - Reduce her £70,000 mortgage by £50,000.
124. Galster - Completely pay off his £97,000 mortgage.
125. tattycath - Reduce her £96,000 mortgage by £4000.
126. Susiesue - Reduce her £94,818 mortgage to £63,934.
127. Dumbledore55 - Reduce her £92,000 mortgage by £15,000.
128. OverlandLandy - Reduce his £79,000 mortgage to £25,000.
129. getmeoutofhere - Completely pay off his £23,248 mortgage.
130. catznine - Reduce her £85,000 mortgage to £61,965.
131. setmefree2 - Reduce her £182,557 mortgage by £75,000.
132. Lexxi - Reduce her £58,421 mortgage by £11,000.
133. sheslookinhot - Completely pay off his £21,000 Mortgage.
134. karenf - Reduce her £73,000 mortgage to £5,000.

firesidemaid

have up and down months, but trying to find ways of overpaying without 'noticing' IYSWIM?

get paid tomorrow and have just 'created' over £200 to pay off - including this months council tax money, a months free pet insurance, the difference between change in utilities bill, quidco due and money saved by buying shopping vouchers.

also trying to up the ebay listings, as this really is FREE money!

mojo_jojo

Woohoo! I hit my target this month - managed to pay off over £18k since the start of the challenge! I will try and get it down to £20k paid off before the challenge finishes. Unfortunately the company I work for has "forgotten" to pay my overtime for the past 2 months running so I only got my basic salary the last 2 months, and Xmas was expensive last year so budget is a bit stretched ATM.

dawnylou

That is exactly what we do firesidemaid. Use money we wouldn't normally receive - otherwise we would never overpay!!