Mortgage free by 2023 (!)

Aimingforthegoodlife

Great news about the mortgage, so exciting! Also, amazing work on the savings!

debtfreeoneday

South_coast said:

You are on fire 😀😀😮! It's amazing what you can achieve when you put your mind to it 😀

P.S. I saw a £1 Amazon option on Storewards earlier, but it's already gone 🤣! There's £2 PayPal at the moment though, if you fancy that

Takes more points to get it 22000 versus the 20000 it takes for £2 on Amazon. Making my points work hard for me!! 😂😂

South_coast

Same thinking as me! I was saving up for the £10 Amazon, as that was 10% less than the £10 PayPal so I decided that was the best value - except I finally got there and they didn't have any, so I ended up with the PayPal as I was too impatient to wait any longer 🤣!

greent

I've only ever had the £10 amazon vouchers (I think I've had 4) - I want max rewards for my efforts! 😁😁

debtfreeoneday

You’re right greent. I’m too impatient but I should wait!  

£5 in from vrpr and pots updated. 60p on YouGov this morning means I’m just over half way now with nearly £26 earned. 

debtfreeoneday

£6.26 in from shopping cashback. 

Underestimated DH’s wages (the best way) so just updated the monthly figures and will post in the next day or so.. need just over £1 from somewhere to reach £200 earned this month. 

debtfreeoneday

April update on annual targets and shorter term targets. 

SAVE EF £450.02 / £1000 

EARN £1282.48 / £1750 

SAVE Dec 22 Food budget £178.53 / £400 

OP £1011.87 / £3000 

SAVE - carpets £203.29 / £750

SAVE - wood £170.50 / £400

Mortgage balance - £49,851

Mortgage percentage left to pay - 19%

79 months left 

+ Happy happy happy the mortgage went under £50k

+ chuffed I managed to make over £200 this month by the skin of my teeth 

+ we have enough to get one room carpeted so that’s a job for this weekend to visit the carpet place and get that ordered  

No negatives!  I’m just really pleased with progress  I won’t talk about the car insurance renewal that came through the post at such a silly rate.  Obviously hoping we will just renew - nope!! 

Karmacat

Debtfree, that's fantastic!  As you say, no negatives, and your targets are bang on.  Makes me think - I never really did a plan for this year, though I've worked hard at the domestic stuff, but proper targets would be nice.  Give yourself some rewards (free ones if possible ) this weekend!

debtfreeoneday

Last day of the month so I thought I’d sneak in with a £50 PB purchase so they take effect for the June draw. 

debtfreeoneday

Productive morning. Car insurance sorted. Shaved off £38 from the renewal and got an extra £35 in cashback so policy came in under £100 which I’m more than happy with.  Just the dreaded phone call to current insurer tomorrow to cancel renewal. 

Fleabay sale to start off May the right way. 

Have to admit to feeling very demotivated this weekend. The weather today isn’t helping. It’s wet and quite miserable looking.