Mortgage free Wart

WishIwasstill25

I have heard, but not sure if this is true...

I also have a student loan as mentioned above. Mine is nearly there.
I was told that they keep taking the money off you, via your pay slip, until the April after it is paid off. Then you have to claim back the over payment. But, if you set up a regular overpay, they stop taking that as soon as your loan is repaid, so when they stop taking the over pay, you need to get in touch with them to stop them taking the salary sacrifice bit.

This is what I've done, I've set up an over pay, only £36 but that makes my total monthly repayment to a nice round figure. So will wait and see when it's paid off....

Worry_Wart

Yes, apparently this is the case. However, my best mate was close to the end of hers so she paid the last bit off this march with a credit card whilst on the phone to the student loan company. They agreed the debt was clear and no more would come from her payslips but they are still taking them months on! She's very annoyed, but they are useless to deal with. It took me years to even get them to send my statements to the correct address.

But yes, I'm going to attempt the same, which is why I'm keeping track.

Yes I'm quite lucky in that every now and then I get a big bonus, but they are a bit sporadic (I'm in sales), so it means I live on my basic income and can use the bonus money to save (previously for a deposit) or sink into the mortgage fund or whatever. That is the intention anyway, although previously it just meant I built up loads of money on credit cards knowing I could clear it every few months, and never kept track of my spending. I've turned over a new leaf now though!! MSE has shown me the light.

Worry_Wart

Saturday night and I'm at home with the cats reading MSE and having a G&T. My how times have changed. A decade ago I'd be out five nights a week; now it's probably five nights a year. Can't say I have any problem with that though - an early night always seems so appealing these days, even if I manage to squeeze in an afternoon nap too!

Had to take one of the mogs to the vet last week, and I thought he was better, but seems to be ill again. He might just be depressed at the change of weather! He is a very sensitive beast.

Just had a big shop at sainsburys and got loads of toiletries, loo roll, washing up liquid and staples for the month, and replenished the freezer. Used mysupermarket.com and a 20% off voucher so it all came in at £40. My OH is on a bit of a health kick at the moment, as he's realised he eats far too much sugar, so I'm going to make a list of healthy veggie recipes we have ingredients for, and reference the cookery books they come from, so he can feed himself while I'm working away this week. He's a good cook but lacks inspiration and insists on following recipes by the letter (despite me telling him they are just guidelines).

Have a nice weekend all!

WishIwasstill25

Hope you've had a good weekend, love the idea of cat & G&T...

Worry_Wart

Thanks Wish! It was a lovely relaxing weekend all in all. Hopes yours was good too!

Off to France now until Friday night. Work trip, so should spend not much money (except for a sneaky couple of bottles of wine to take back in my suitcase). Weather looks nice. Left it a bit late to book my hotel so will be sleeping on a friend's couch for the first couple of nights (luckily I have friends there!), but quite often that's nicer than staying in a hotel anyway.

Have a great week!

Worry_Wart

Ah, lovely saturday morning. So nice to wake up in my own bed after working away in France all week. I managed to not have a single croissant and my diet is still progressing nicely. Off on holiday today to Spain for a week though, so I'm sure it will get sabotaged then! Oh well.

I didn't spend too much while away, although realised at the airport I'd forgot to pack my work shoes so had to buy some (and they ruined my feet all week - far too tight!), and then I bought a couple of nice bottles of wine to stick in my suitcase for Christmas too. All in all not bad though, I didn't spend a cent more than that.

Weather is looking pretty rubbish for the holiday. Come on Andalusia, sort yourself out!

WishIwasstill25

Welcome back to blighty.

Hubby has landed too....

Worry_Wart

Oh dear, things are not shaping up too well this month, financially. Massively overspent on holiday (which was amazing, but I got shafted by car hire and forgot how much my boyfriend eats!), so overspent by £400. And my cat is still ill so has had to go in for more investigative work, which I've been told starts at approx £350. The vet just called and said he's woken up from the general anaesthetic so that's good. I just need to go in and find out if they've worked out what is wrong and what it will cost me, but hopefully he will be okay. The house emergency fund is depleting rapidly!

Worry_Wart

The mog seems to be well on the way to recovery, and it only cost £250 in the end. He seems very happy to be alive after his anaesthesia! I'm going to wait until payday to update all my stats, as I should be able to replenish the emergency pot I've degenerated this month. Oh well, that's what it's there for!

Worry_Wart

Another month rolls around, and another payday occurs. I got a hefty bonus this month, which I've used to pay the remainder outstanding for the two big holidays we had recently, top up the savings pot, take another wedge off my 0% credit card, and I was going to put some towards the mortgage but instead I've ordered a woodburner. I couldn't resist!

Unfortunately the cat is still ill so is going to have to go for an MRI scan. I'm dreading to think what that is going to cost.

Diet took a bit of a dip during the holiday but is back on track. I'm having a month of no booze in November in preparation for the cheese and port-a-thon over Christmas, so hopefully that'll save some money and help me lose a few pounds at the same time.

Quite happy to have broken the 140k barrier. Although it's a bit depressing to think I've only paid off 3k of my mortgage so far. Ah well.

Right, roll on halloween. I've just bought a big stash of sweets for the local little blighters. As I'm actually prepared this year, I bet no one knocks!