We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Random Diary Of Mortgage free wannabe.

1…1516182021…26

Comments

  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Great stuff. Need to amend your signature to say 'forever away minus one month' :j:j:j
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • charlie007
    charlie007 Posts: 413 Forumite
    Haha. I think the kind of forever I have left will be reduced by a few years next May. :). Will update my signature when I work out how much it is reduced by. X
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
  • charlie007
    charlie007 Posts: 413 Forumite
    Today was a no spend day. Pretty rare for a weekend I fact I don't think we have spent so little since no spend February. Grand total of1.50. Going to do another over payment tomorrow to celebrate :)
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
  • charlie007
    charlie007 Posts: 413 Forumite
    No heating tonight. Extra jumper. Think it is a high chance that this won't wash tomorrow and the heating will be on. Used to live in an old cottage with oil and now have a nice energy efficient home so not having the astronomical oil bills is fab.
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
  • charlie007
    charlie007 Posts: 413 Forumite
    Another nonspend day today. Also got 100 pounds back from a complaint. Win win.
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
  • charlie007
    charlie007 Posts: 413 Forumite
    Took lunch to work today. Am being rubbish at taking lunch but trying get better. Think I have only had 8 lunches from the shop since about July. Could be worse.
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
  • charlie007
    charlie007 Posts: 413 Forumite
    Read a really helpful article from Martin Lewis today saying that it is best not to reduce the term of your mortgage but have one where you can make overpayments. Think it was good advise. We will save 200/300 a month by getting a better deal so overpayments are soon going to be 400/500 a month minimum. I want to continue to pay out what we are already paying and more to reduce the balance but the advise is to allow for an interest rate rise and reducing the term makes it unlikely to then increase it if the mortgage becomes unmanageable due to interest rates.


    Busy day today. Bed is calling.
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
  • charlie007
    charlie007 Posts: 413 Forumite
    Made a 208.00 overpayment yesterday. Not a bad month Usual one will go out on the 16th. Hopefully we can make a few extra in the mean time. Have one student left now for two weeks so that can go in the pot :)
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You're making cracking progress :T
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • charlie007
    charlie007 Posts: 413 Forumite
    Thanks gally girl. Another nonspend day. Two weeks running we have not spent on Sunday. That must be some form of record

    Have listed some stuff on a local Facebook page and sold a small table yesterday. Hoping to get what ever doesn't sell listed on e bay tomorrow.
    Mortgage free Start amount feb 2014 227000. Current amount nov 2014 217000.

    Challenges 2015
    No alcohol January. No spend February
    Write down all spends over the whole year
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture