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SF's road to mortgage freedom!

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  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    slowlyfading wrote: »
    I've finally managed to get a good pictures of the kittens - I've posted it on my blog :D

    Oooh how exciting. But I don't know where your blog is. :(
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    taxi73 wrote: »
    they are very cute x
    They are :D
    Lois_E wrote: »
    Oooh how exciting. But I don't know where your blog is. :(

    If you click on my profile here, there's a link on there :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Old_Git
    Old_Git Posts: 4,751 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Cashback Cashier
    what is the interest rate on your mortgage .
    "Do not regret growing older, it's a privilege denied to many"
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Old_Git wrote: »
    what is the interest rate on your mortgage .
    Why? (Hello to you too...!)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Old_Git
    Old_Git Posts: 4,751 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Cashback Cashier
    slowlyfading wrote: »
    Why? (Hello to you too...!)
    well if you are linked to the BOE rate and it is low ,is it better to save than overpay .
    My interest rate is 0.18 above BOE ( old mortgage ) so I pay 0.68% ;)
    So in my case it is better to save . If you are paying above 3% you are probably better overpaying
    "Do not regret growing older, it's a privilege denied to many"
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think it's 3.89% so we're overpaying :D but, we are saving (emergency fund) at the same time :)

    It's all about balance!
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hey SF - how did the shopping go - did you find the drawers ? Kittens look so adorable!! x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • rising_from_the_ashes
    rising_from_the_ashes Posts: 12,433 Forumite
    10,000 Posts Combo Breaker Home Insurance Hacker! Debt-free and Proud!
    Old_Git wrote: »
    well if you are linked to the BOE rate and it is low ,is it better to save than overpay .
    My interest rate is 0.18 above BOE ( old mortgage ) so I pay 0.68% ;)
    So in my case it is better to save . If you are paying above 3% you are probably better overpaying

    Thanks for that :T - I've been feeling really guilty about not overpaying more (only managed 1 in the last year:o but it was just over a months' payment) - have been trying to pay off last bit of debt & get some savings in hand. My rate is 2.49% so I'm feeling a bit better about trying to get savings up and running now (have just managed to find an ISA paying 3.10%):)
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • rising_from_the_ashes
    rising_from_the_ashes Posts: 12,433 Forumite
    10,000 Posts Combo Breaker Home Insurance Hacker! Debt-free and Proud!
    Awwwww Slowly those wee kitties of yours are absolutely adorable!:D

    So glad you're making progress on the petting front :T - they'll be on your knees in no time!:)

    Sorry I'm not around much atm .... have a lovely rest over 1/2 term & enjoy the decorating:)
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    DedicatedDFW wrote: »
    Hey SF - how did the shopping go - did you find the drawers ? Kittens look so adorable!! x
    We didn't get - again! Family popped round and were here quite a while, so by the time they'd left, the shops had shut. Oh well :)
    rising_from_the_ashes wrote: »
    Awwwww Slowly those wee kitties of yours are absolutely adorable!:D

    So glad you're making progress on the petting front :T - they'll be on your knees in no time!:)

    Sorry I'm not around much atm .... have a lovely rest over 1/2 term & enjoy the decorating:)
    they are cute :D don't apologise for not being around - take care of yourself x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
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