Mortgage free by 2023 (!)

debtfreeoneday

Mortgage has updated, monthly OP of £92.83 made as well as a cheeky OP of £100 now I've tidied up the accounts bringing September to £627.42. Chuffed with that.

October won't be as fruitful unless the premium bonds come up trumps again!

Mortgage figure now sitting at £77,993.33. We are under £78K!!

debtfreeoneday

All quiet over here, but plodding on. Spending is regular and OPs slowed down, but hopeful of being able to do something with OP by the end of the month.

debtfreeoneday

Morning all, I've been so quiet over here so time for an update..

Life just very busy and money flying out the door like it's going out of fashion. A new gearbox and clutch has put a huge dent in savings and I've also been busy getting sorted for Christmas and birthdays which apart from a few small things like cards / cake we are done!

We are away over the festive period this year, but that is all budgeted for..

I need to concentrate on building the savings pot back up a bit over the next 6 months so OPs will need to reduce a bit.

Also need to contact the mortgage company to see how / when they reassess the monthly payment as they randomly reduced ours this year, but I don't know what happened for that to occur and in all the years of OPing, they have never done that.

Need to get two things listed on fleabay today.

debtfreeoneday

Actually just realised I haven't made any OP this month yet, dreadful! Just sent over £4.50 as an OP so October is off the mark!! :-)

pennywisepoundstupid

Well done on the OP, sorry to hear about the car making a huge dent in your savings, hope next month is better.

CosmoCat

Oh cars! They really can be a pain, can't they? Well done on your OP, and it must be lovely being away for the festive period too.

debtfreeoneday

Items listed on fleabay and spoke to the mortgage company who answered that the payments team will 'randomly' look at monthly payments and reduce if appropriate. Considering I've been with them for 15 years and this is the first time they have done it, it obviously is really random. I've requested they review our monthly payment again as it;s £807 now and getting under £800 would make me happy!

Another £7.20 OP sent this morning, so up to £11.70 now..

debtfreeoneday

Another £10.74 OP sent so up to £22.44 this month, it really has been slim pickings this month. Life has really taken over and car repairs have not helped, nearly £2k spent on it this month!

Payday and money shuffles tomorrow, so OP's will be finalised for the month.

Hoping November will be much much better!

debtfreeoneday

Usual monthly OP made of £92.83 and as I'm up early, I've sorted all the money into 'pots' - few extra this month as birthdays and Christmas to budget for, so another £61.72 being sent as an OP - meaning October ends with OPs of £176.99.

Bring on November!

debtfreeoneday

Randomly just totalled all the OPs made since mid May when I started posting here regularly, I don't have the ones before but they weren't that significant.

We have OP £3647.72 in 5.5 months. I need to start thinking about a target for 2020 I guess.

Will aim for £150 in November as a starter!