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I really really want to be........mortgage free!

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  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
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    Just ordered a £25 Lego toy for £0 using £12.50 of clubcard points boosted to £25. Free delivery to a tesco metro a minute away from my office. Every little helps!
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
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    Clubcard boost is great! Every year our petrol gets us a few quids worth of vouchers for the boys toys!! This year its amounted to £78!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • diamondsonly
    diamondsonly Posts: 241 Forumite
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    Tesco vouchers are fab. Ive always used them for restaurants but I think buying the xmas toys sounds like a better plan.
    SJ- How long until babygirl SJ arrives now? I've lost track
    1.7.15: £157,469.64, 10.02.16: £93,434.74
    FIT-4 #34, MFW 2016 #89 (£7350/24000)
    Target MFW Dec 2018
  • diamondsonly
    diamondsonly Posts: 241 Forumite
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    OCC forgot to ask are you due quidco/TCB or other payout you can use for your £20?

    Diamonds x
    1.7.15: £157,469.64, 10.02.16: £93,434.74
    FIT-4 #34, MFW 2016 #89 (£7350/24000)
    Target MFW Dec 2018
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
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    Baby due 21st Jan, so Mrs SJ gonna have a dry Christmas!!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
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    Its really nice your happy where you are and settled OCC :] Thats the perfect situation I myself am and will be happy where i am for years to come :]

    Fantastic target 600-650 is i guess you pay each OP as you go along into the mortgage account ?
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
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    diamondsonly wrote: »
    OCC forgot to ask are you due quidco/TCB or other payout you can use for your £20?

    Diamonds x

    Funnily enough £50.50 on its way for car insurance renewal. Target reached :)
  • smallholdingsister
    smallholdingsister Posts: 4,018 Forumite
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    Loved your maximising points post.
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
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    smallholdingsister wrote: »
    Loved your maximising points post.

    Thanks I been struggling with blog inspiration it it came to me st 2am this morning!!!

    If you ever want to write a guest post let me know :)
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
    edited 17 November 2015 at 9:45PM
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    Luckyinlife wrote: »
    Its really nice your happy where you are and settled OCC :] Thats the perfect situation I myself am and will be happy where i am for years to come :]

    Fantastic target 600-650 is i guess you pay each OP as you go along into the mortgage account ?

    Exactly. I have a regular OP of about £200 and then make up the rest with what I can afford.

    I use all cashback, rewards and bank interest.

    I put my FIT payments to the mortgage too to bump up those months. I aim for about £450 on a normal month adding whatever I get in FIT payments to this on a FIT month.

    At the end of the month I try to get to about £450, earlier in the year I had some plumbing to pay for so I didn't manage it for several months but I've made most of it up later in the year.

    I'm of the opinion though that if I don't meet my annual target it's not the end of the world but I really really try :)
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