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Comments
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I like your idea of saving because the rate would be better than if you paid off your mortgage. I want to get my mortgage below the 200k mark and then I'll save in offset and invest. I really should do that now because my rate is so low but for my sanity I need to break the 200k barrier first!
Set yourself up a spreadsheet to offset your savings. You'll get to the 200k barrier quicker that way :T. Compromise - open as many regular savers & high paying current accounts as you can. When the regular savers mature then use the whole amount to overpay and open another issue of the regular saver :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"0 -
I am shattered after a day of toil. Spent today having a spring clean and have scrubbed, scraped, soaked, wiped, and peeled dirt away from all those hard to reach places. Also went through a load of old boxes that I honestly think have not been opened since I moved in, and probably have travelled with me through several house shares. The refuse/recycling collectors certainly will get a surprise come bin day. :rotfl:
I cant believe how nice the place looks without all the clutter.
Hopefully this is the renewed enthusiasm I need to crack on with the redecorating project that has stalled the past few months.
MCInitial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038
Mortgage remaining £68285
Daily interest £4.28
2017 MFW #14 £3746.90/£10,0000 -
A good declutter and spring clean is always good
Good luck with redecorating - think about the end result to give you motivation :TI’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
Booked some time off work for a summer holiday. :j
No flights just yet, but I have an pretty good idea where I will go...........????
MCInitial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038
Mortgage remaining £68285
Daily interest £4.28
2017 MFW #14 £3746.90/£10,0000 -
Morning friends,
Been a while since my last update, we even have a new government since I posted on here
Not had much MFW activity to report and am recovering from Fridays night out, where I spent way more than I should. :eek:
No more hedonism till payday so I can let my body and bank balance get back on an even keel.
MCInitial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038
Mortgage remaining £68285
Daily interest £4.28
2017 MFW #14 £3746.90/£10,0000 -
Nice to see you posting again MC. Hope you had a fantastic time on Friday night and that you've now fully recovered - don't worry about overspending, we all need a little treat every now and again.
MGx:jMortgage free 08.08.19 :j
2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
MF date was Nov 2041 - mortgage neutral 23.07.18
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Thanks for the concern MG, i'm absolutely fine.
I'll try to post more often, but struggling to find much time these days to keep track of this forum.
MCInitial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038
Mortgage remaining £68285
Daily interest £4.28
2017 MFW #14 £3746.90/£10,0000 -
Pay day!!!!!!!
In other money saving news I found a tenner in a pair of jeans that I was just about to put into the washing machine.
MCInitial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038
Mortgage remaining £68285
Daily interest £4.28
2017 MFW #14 £3746.90/£10,0000 -
Happy Spreadsheet update day :beer:.
My achievements this month are 3p off the daily interest and just sneaking under the £91K barrier.
MCInitial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038
Mortgage remaining £68285
Daily interest £4.28
2017 MFW #14 £3746.90/£10,0000 -
It won't be long before you break through the £90k mark to be in the 80's. Every little milestone make for a good journey.
All good news with the daily interest dropping again :TI’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0
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