Back to basics with pavlovs_dog: the £6k sprint

themadvix

Hi PD,

Just read your diary from the beginning - I'm rather envious of the OPs you're able to make, we're just chipping away slowly, but we have reduced the term rather than the monthly payment and can only overpay in chunks of £500 or more.

Was surprised no one had spotted the proposal, although you had snuck it in and then asked a boring (but no doubt important) question about lunch breaks! Congratulations!! Enjoy ring shopping and make sure you get good value for money - the GIA website, gia.edu - is good for impartial advice on what to look for!

pavlovs_dog

1% Challenge - the little things make a difference

January Total = £178
£10 Gumtree, £66 P!necone,£50 Swagbucks + £2 Christmas scratchcard win, £50 account tidy

February Total = £157
£25 SB,£132 council tax free month

March Total = £282.49
£132 council tax free month,£15 Swagbucks, £75.49 - credit from closing BG account, £60 account tidy

April Total = £200.00
£98.07 credit from closing BG account #2
£4.64 credit from BT account
£25 SBs
£20 Tilly Tidy
£40.24 from Quidco (includes £30 from uSwitch)
£12.05 account tidy


Cumulative total = £817.49/£1050 (78%)

This money feeds into

MFW 2016 OP
January £610.03
February £567.03
March £659.52
April £ 610.03

Cumulative total = £2479.61 / £6000 (41%)

pavlovs_dog

themadvix wrote: »

Hi PD,

Just read your diary from the beginning - I'm rather envious of the OPs you're able to make, we're just chipping away slowly, but we have reduced the term rather than the monthly payment and can only overpay in chunks of £500 or more.

Was surprised no one had spotted the proposal, although you had snuck it in and then asked a boring (but no doubt important) question about lunch breaks! Congratulations!! Enjoy ring shopping and make sure you get good value for money - the GIA website, gia.edu - is good for impartial advice on what to look for!

Hi themadvix :wave: our OPs have grown year on year as we've been really disciplined abut sending most of my annual pay increase mortgage-ward. Since our re-mortgage last year, we've been in a position to OP a lot more than we could during the first 5 years or so. This is the first time where we've really felt like we are able to make a substantial difference to our end date month by month. But we wouldn't be where we are now without those seemingly pitiful OPs at the start of our journey. They do all add up, so keep heart and keep chipping away.

I'll come and have a nosey at your diary in a mo. Thanks for the advice about the ring shopping. I've seen a lot more that I DON'T like than what I do. Fortunately I'm in no great rush.

pavlovs_dog

MFi3-T4 update #1 is in. Target is to reduce mortgage from£103,798 to £75,000 (reduction of £28,798).

Mortgage balance is £101,000, giving a reduction of £2798 since January 2016. Only £26, 000 to go

We're about 2 months away from leaving the £100ks for good :dance:

smallholdingsister

The girl done good!

pavlovs_dog

one set of reports done and another nearly finished. I've made overnight oats for breakfast, baked a batch of sponge cakes and am about to make salad boxes for lunch.

Then it will be bath time and an early night. I'd being lying if I said I was excited at the prospect of going back to work tomorrow. That said, I did almost do a little jig earlier at realising how little of my planner was left. 13 weeks and counting

smallholdingsister

Wishing your life away!

pavlovs_dog

smallholdingsister wrote: »

Wishing your life away!

Sadly the nature of our profession is that you don't get much of a life during term time. I'm not wishing my life away so much as the drudgery of the daily grind!

smallholdingsister

Ain't that the truth!

smallholdingsister

But...are other jobs any better?