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Mortgage free by 2023 (!)

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Comments

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    £12 late payment fee refunded after a bit of a quibble, I did an application for a new bank account with c0-0p today, would mean nearly £200 cashback, but not sure we will get it, as we did so many switches in quick succession last year.. but a bit frustrated with the h@lifax.

    Mass baking complete, should have enough for 3-4 weeks now.. Kitchen blitzed, but a few more cupboards to do tomorrow. Three bin bags of stuff out of this house today.

    DH done a few little jobs, currently in garage creating a shelf for the blackboard wall and hopefully a doorstop for the kitchen. Just the glossing to do in there and half the room is complete.

    Strictly back tonight - never tire of it, Christmas is coming once Strictly is back on the box.

    Two big items on fleabay today, done on 24 hour auction just so I can hit the PO on Monday, another item sold last night and two others have bids.. things moving slowly on there.

    have loved the summer, but it's nice to get my head working again and get back into some sort of routine!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Looks like you had a busy day! I've found eBay quiet lately but maybe my prices are too high!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    EEEk, well the result of the summer is the debt is now at £1747.75.. I will get rid of this if it kills me, how can I be so close, yet still feel so far away from sorting it!

    Quiet day at home, I'm in a funk due to being back to work properly tomorrow.. grump grump.. even though it'll be fine.

    Kids are in funny moods, DH is tired - what a joyous household.

    Have decided as the debt is spread over 3 0% CC's and the fact I don't have / use 2 of them, I'm going to pay off the little one first,, that balance is £292.. so will send any extra I have this month to that and aim to get under £249 on there..
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • User1489
    User1489 Posts: 400 Forumite
    Fourth Anniversary 100 Posts
    Argh, can you cut the cards up!?
    Baby Step 1 - £1k Emergency Fund - COMPLETE
    Baby Step 2 - Pay off all debts except the Mortgage - £9,326 to go
    Baby Step 3 - Save 6 months of expenses into full Emergency Fund - £4,300 to go
    Baby Step 4 - Put 15% into Pension
    Baby Step 6 - Pay off the Mortgage early
    Baby Step 7 - Live like no-one else :D
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Boooooo to work DF0D, how was last week at work? xx
    Mummytogirls x

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Two cards are gone, one I use for petrol, food etc and pay those amounts straight off..

    Work ok, looooong day.. but got lots done!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    £11.30 in from pbase and sent to the CC so that is off the total..

    £ on pr0filic and 50p on YG, 10p on 1poll!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Happy work Friday DF0D!!! Hope all has been ok this week xx
    Mummytogirls x

  • amycool
    amycool Posts: 866 Forumite
    Eighth Anniversary Combo Breaker
    Hope the first week back has gone okay. My DD is finding year one quite different - lots more work!
    Mortgage (Start Sep 2014)- £70,295/£0 - 100%
    Overpayments - £48829.37 :j:j:j
    Mortgage paid off Jan 2020
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Likewise Amy!!

    Been a hectic week.. glad it's nearly over School wise.

    Sent another £24.15 to the CC, so that balance is now £256.94.

    feel much better actually, trying to clear one and then tackle the other, leaving just the daily use one to deal with!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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