Mortgage free by 2023 (!)

debtfreeoneday

Impulsive as ever, I've pinched £1.00 from the next mort OP and £10 from the utilities account and CC3 now stands at £399.86 :j Pretty chuffed that I reached this as it looked out of reach earlier in the month.

So no idea what this months target will be as I have pots to get back in credit and DH's CC which we have used quite a bit. Must look back to see what we did this month on it.

Also set up an emergency pot, I know I've done this before and used it, but anything that comes in, no matter how small, I'm going to put 10% in the emergency fund. Hopefully I won't pinch it as debt repayment continues. I almost need a separate account for it, hmm that's an idea, maybe another H-fax one to get the £5 each month?

Right off to look at that.

debtfreeoneday

Looks like we were at £662.44 on CC3 just prior to payday, so that's £262.58 paid off so far this month.. which considering the other stuff we needed to pay, I'm quite chuffed with that.

I'm also going to track all survey income each calendar month as I'm doing OK on that on the minute, even though it takes time, every little helps.

shangaijimmy

We have 3 halifax accounts for the £5's! That in itself could be the start of your emergency pot?

mummytogirls

Such a shame these referrals take such a long time, I'm sure people wouldn't feel the need to go private if it didn't take so long. Glad you're feeling a bit happier with things they've put in place x

debtfreeoneday

SJ - When I tried to open another H account, it says I've already had one so can't do another?

Thanks MTG, it feels a bit one step forward, one step back at the moment, but we will keep plugging away and I think if things get worse, we will pursue the private referral.

Busy few days at work and another one tomorrow.. feel wrung out by it all..

mummytogirls

I feel like that with work too, working in a school really takes it out of me haha!!! Hope tomorrow isn't too bad x

hiddenshadow

debtfreeoneday wrote: »

SJ - When I tried to open another H account, it says I've already had one so can't do another?

You're allowed a single one and a joint one, so if you already have one in your name your other 2 could be joint with DH and single in DH's name.

debtfreeoneday

Mortgage payment made and we are down to £106,513.82 and we have now paid off 37% of the mortgage.. must be nearing 50% LTV now as well.

OP's so far this year are £1428.98 so we have beaten what we OP'd in the whole of 2015 - chuffed with that! :j

Will do a proper update tonight after a few hectic days.. now I'm off to colour in block 107!

Ali-OK

Well done :T:T Great progress and happy brick colouring

mummytogirls

Well done on colouring in block 107! xx