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Coffee Cup's Journey to a Guilt Free Latte :)
Comments
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Hello! I have just started my own MFW diary and my mortgage is very similar to yours! I will subscribe and good luck!
MFW2020 #115 250/3000 J-250
1% challenge- /1525Save 1k in 2020- /3000
Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
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£8500 GONE!!!!!!!!:j:j:j
I dont know whether to be excited or scared!!!!!!!!!!!!!!!!!! My hand was literally shaking when I hit the confirm button. I have basically shifted money around from one account to another to gather £8500 together. Next couple of months will be a wee bit tight but we will manage. I just couldnt miss the opportunity to overpay without it counting towards our 10%. Our debt is now under £175000 :j:j:jMFW Start Date: 18/08/14
Mortgage At Start £183389.89 Mortgage Now £151000
Mortgage Free Date - [STRIKE]October 2038[/STRIKE] [STRIKE]July 2036[/STRIKE] November 2021 :T
2014 Overpayments - £11600
2015 Overpayments so far - £18000:j
Aim to be Mortgage free by November 2021:beer:0 -
So, how many months/years will that have shaved off my mortgage??? I have two spreadsheets I use. The simple one says we will now be mortgage free in Feb 2037 and the other one (locoblades mega fancy) hasnt changed the end date at all. I am guessing I am doing something wrong with it?? Any clues?????MFW Start Date: 18/08/14
Mortgage At Start £183389.89 Mortgage Now £151000
Mortgage Free Date - [STRIKE]October 2038[/STRIKE] [STRIKE]July 2036[/STRIKE] November 2021 :T
2014 Overpayments - £11600
2015 Overpayments so far - £18000:j
Aim to be Mortgage free by November 2021:beer:0 -
Well done :j. Sorry, can't help you with locoblades spreadsheet. I do have one of my own which is fairly accurate - if you drop me a PM with your email address I'll send you it over.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 -
Well done :j. Sorry, can't help you with locoblades spreadsheet. I do have one of my own which is fairly accurate - if you drop me a PM with your email address I'll send you it over.
That would be fantastic. Thank you MFW Start Date: 18/08/14
Mortgage At Start £183389.89 Mortgage Now £151000
Mortgage Free Date - [STRIKE]October 2038[/STRIKE] [STRIKE]July 2036[/STRIKE] November 2021 :T
2014 Overpayments - £11600
2015 Overpayments so far - £18000:j
Aim to be Mortgage free by November 2021:beer:0 -
Epic:beer:, that is just fabulous, well done. Nothing wrong with beans on toast!Weight: need to lose 71lbs - lost to date 0lbs
One Poll: £3.20
My Survey: £0.00
Ebay: £0.000 -
Fab news, well done, £8500 is an amount of money I can only dream of....Mortgage outstanding: [STRIKE]£47,750 (August 2014)[/STRIKE] [STRIKE][/STRIKE]£46,950 (Nov 14)[STRIKE][/STRIKE] £44,900 (June 2015)
Student loan: Paid off June 2015 - 10 years & 2months.0 -
Fantastic, coffee - very exciting! xDebt remaining:
Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
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Thank you guys
I think the reality of belt tightening is hitting me this morning but in a good way. I am going to make a list of our freezer food and start trying to work our way through it.
Downloaded YNAB last night and OMG it is a minefield. I think it will take me a long while to get the hang of it. I think it makes is worse as we tend to put all our spending on Mr T's mastercard to accumulate all the lovely points but I dont know how this will translate onto the budget. Off to play around with it some more.
On a positive, non mse, note we are getting our lawn seeded today - finally!! We moved in in May and only now are we getting it done. Fx it doesnt rain today!!!MFW Start Date: 18/08/14
Mortgage At Start £183389.89 Mortgage Now £151000
Mortgage Free Date - [STRIKE]October 2038[/STRIKE] [STRIKE]July 2036[/STRIKE] November 2021 :T
2014 Overpayments - £11600
2015 Overpayments so far - £18000:j
Aim to be Mortgage free by November 2021:beer:0 -
Hey coffee,
There is a tutorial on the website that talks about using a credit card and paying it off each month. I used the trial without watching the vids properly and do regret it because it makes a lot more sense now! You can watch a lot of the stuff without starting your trial.
Hurrah to your lawn seeding! xDebt remaining:
Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
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