This is it *ping* lightbulb!!!

kindofagilr

Thank you

I'm all excited again Deffo going to aim to have it done some point in 2019.

And yes then the mortgage is next to go, we currently pay out £850 a month in minimum payments, add the £120 extra that means once debt free we have £970 SPARE cash! I mean !!!!!! lol, we will feel like millionaires lol, so the mortgage is Deffo gonna get extra thrown at it

Our plans once debt free are to get a new boiler and get married and take the kids to Florida for the honeymoon xx

triple_choc_chip

kindofagilr wrote: »

And yes then the mortgage is next to go, we currently pay out £850 a month in minimum payments, add the £120 extra that means once debt free we have £970 SPARE cash! I mean !!!!!! lol, we will feel like millionaires lol xx

How much???!!! Omg you must be paying about 10% interest rate? Is there any chance of remortgaging in the near future? At 4% you would have it paid off in 10 years and save nearly £100,000 interest.
Think how many honeymoons you could have with that! :j

kindofagilr

triple_choc_chip wrote: »

How much???!!! Omg you must be paying about 10% interest rate? Is there any chance of remortgaging in the near future? At 4% you would have it paid off in 10 years and save nearly £100,000 interest.
Think how many honeymoons you could have with that! :j

Sorry no, I meant we currently pay that much for our other debt

The mortgage is £430 a month, it's 2.5% xx

triple_choc_chip

Phew! Thank goodness for that!

I paid my debt (£32k) at a rate of £800 a month and you're right, I felt so rich when it was gone because the journey changed my habits and I no longer needed to go shopping as a hobby :rotfl:

Even now I put the spare into savings at the beginning of the month and stick to my budget. You'll be there before you know it.

kindofagilr

Morning all, OH's cheque cleared (his compensation for fracturing his wrist in the crash).

So I have just paid my phone off woo-hoo £515.94 all paid. I am really pleased with us cos in the past if we had received some 'free' money we would have just wasted it. So can def tell that we've both learnt from our past xx

kindofagilr

Morning all.

I have done my meter readings this morning, updated my spreadsheet with them. DS has done his homework, I am all up to date with the washing, asda is coming between 11-12 then I will have some money to overpay Next.

DS has a birthday party 4-5, then we will prob get the kids mcdonalds for tea as a treat cos there is no food at the party and we wont get home till 5.30 (they go to bed at 6) me and OH are having home made pizzas.

I'm so eager for the debt busting in 2016 I am going to set up 2016's bills spreadsheet.

Have a good day all xx

kindofagilr

And still no surveys done, grr to myself! Might do some later on once kids in bed if OH doesn't whinge lol (he hates me being on laptop all night when we are watching TV) xx

kindofagilr

Gosh what a late night, didn't get the kids to bed till 7, they are gonna be shattered in the morning they need to be up for 6.15 for me going to work, they had a blast at the party.

Just sent my barcodes over to shop and scan for the week.

And I've just overpaid the store card £10 woo hoo

Payday for OH in two days, and three days for me xx

monz

Gotta love payday x

kindofagilr

Evening all. God I'm shattered lol

I'm all grr at OH he appears to be in a mood but when I ask him why, he says he's not in a mood, yet he's hardly said a word all evening, grr, do other people's oh do that too!

And I've lost my bank card last remember having it on Saturday, I think we used it in the car at McDonald's drive through I can't find it anywhere so I'm gonna have to ring them and cancel it and order a new one which is annoying.