SF's road to mortgage freedom!

beanielou

You could think about a gel seat for your bike.Happy cycling

WishIwasstill25

Hi SF,

I feel your pain, especially with wishing life away in 6 week blocks, and the mortgage numbers reducing so so slowly. (Oh, and the dreaded marking)

I'm new to this mortgage free marathon, but the thing that really inspired me was the overpayment calculator. If I pay £1k off my mortgage as it stands at the moment, it will save me £1031 in interest, so it feels like I'm doubling my money.

Keep going, you sound like you are doing really well, I wish I could afford to over pay as much as you do, and I wish I had the energy to eBay, I think I may set myself a little challenge to eBay over the holidays.

Wish25

Lois_E

slowlyfading wrote: »

Lois_E - thank you for stopping by your post did make me smile! I also hope that you and me both find a happy balance

My bike arrived on Thursday and I love it I had to pick it up from town so cycled the 3 miles home - loved it made me feel great, if slightly sore from the seat (!) and I can't wait to get out on it more. I actually enjoyed the exercise! Something I don't do enough of.

I've had a lovely weekend with my parents, had a nice day out yesterday and just a pottering day today with a very tasty Sunday dinner in the mix. Just what I love about the weekends

Work continues to be very busy, as coursework deadlines start to loom and various students suddenly start to feel the panic of not being prepared/not done enough. Still, only 2 weeks til the Easter holidays

I get paid on Tuesday, so I'll do a bigger, end of month style post then. I'm hoping for it to be a good month end report, as we've been pretty good this month

Not doing enough exercise is something else you and I have in common!

I get paid on Wednesday. Here's hoping for a good month end for both of us.

slowlyfading

beanielou wrote: »

You could think about a gel seat for your bike.Happy cycling

Not heard of those - I shall investigate!

WishIwasstill25 wrote: »

Hi SF,

I feel your pain, especially with wishing life away in 6 week blocks, and the mortgage numbers reducing so so slowly. (Oh, and the dreaded marking)

I'm new to this mortgage free marathon, but the thing that really inspired me was the overpayment calculator. If I pay £1k off my mortgage as it stands at the moment, it will save me £1031 in interest, so it feels like I'm doubling my money.

Keep going, you sound like you are doing really well, I wish I could afford to over pay as much as you do, and I wish I had the energy to eBay, I think I may set myself a little challenge to eBay over the holidays.

Wish25

Thanks for stopping by and interesting re: mortgage interest! I'm going to keep plodding along good luck with the ebay challenge!

Lois_E wrote: »

Not doing enough exercise is something else you and I have in common!

I get paid on Wednesday. Here's hoping for a good month end for both of us.

Are you sure you're not me? Things are looking good so long as nothing unexpected pops up!

Lois_E

slowlyfading wrote: »

Are you sure you're not me? Things are looking good so long as nothing unexpected pops up!

Well, I'm sure I'm a divorcee with two kids and no current partner, so if you're me then you've been lying about some things...

The next unexpected expense I am beginning to wonder might hit me is replacing my vacuum cleaner. I have a Dyson that used to be excellent but is showing its age. It's at least 10 years old and has had pretty hard usage over that time - kids, dog hair etc. It's gone temperamental ATM. When I first turn it on it barely sucks at all, and then if I wait a bit (I usually try putting it upright and then not and then upright again a few times but I've no real idea if that makes any difference) it suddenly gets its act in gear and starts working properly. Why would it do that? Am I going to need to replace it? I've recently cleaned the filter and brushes, so they're not the problem. It seems to such OK through the wand but not when used as an upright. It's very puzzling.

WishIwasstill25

SF, sorry for a thread hi-jack but....

lois, if you keep checking the dyson website, they often do 30% off a new vacuum cleaner if you trade in your old one. It doesn't have to be a dyson, and it doesn't have to work. If you aren't bothered about it being a dyson, then probably not a bargain, but if you are a dyson convert, then it's a great deal.

Lois_E

WishIwasstill25 wrote: »

SF, sorry for a thread hi-jack but....

lois, if you keep checking the dyson website, they often do 30% off a new vacuum cleaner if you trade in your old one. It doesn't have to be a dyson, and it doesn't have to work. If you aren't bothered about it being a dyson, then probably not a bargain, but if you are a dyson convert, then it's a great deal.

Oooh thanks Wish. I'll bear that in mind. I have just been playing with it. Still can't work out why it's behaving that way, but with enough waiting and flipping it to and from the upright position, it does get round to sucking properly after a while each time. The question is how long can I tolerate it behaving like that, and can I persuade the cleaner to wait for it while it makes its mind up about working?

slowlyfading

I know nothing about vacuum cleaners, but we bought a henry not so long ago and I love it! that was after our old one died, probably due to too much cat hair

slowlyfading

So, it's payday :j :j and that means a payday update.

• £589.89 has been put into savings this month
• £330.09 OP this month
• Probably not going to make my NSD target though in fact, I know I'm not!
• Mortgage down to £111,050
• Spent £70 in Mr Ms today... :eek: :eek:

So, good and bad there very pleased with savings this month after a somewhat lacking effort last month. OP amount is good and is over the interest added on which is what our aim is every month. I'm looking forward to being in the 100,000's bracket, we'll hit that soon!

We've saved enough for America now, but it would almost wipe out all of our savings as it stands (remember I said it was going to be an expensive holiday? ) so we're going to keep trying to put as much as we can in savings, without leaving ourselves short at the same time!

Not too shabby though, I think

AlexLK

Rather fantastic if you ask me, not that I'm an authority on how to be good with money.

Where are you going in America?