Mortgage free by 2023 (!)

hiddenshadow

debtfreeoneday wrote: »

Also jigged about with the food account and am moving my delivery day to a Wednesday, so had extra pennies this month, so another £50 OP just about to be made and month in hand fund up to £30. :j I'm sure that means I just met my OP target of £1000 for this year!

:beer: Well done! :T

debtfreeoneday

[STRIKE]Organise my work stuff[/STRIKE]
[STRIKE]Call someone about another part time role[/STRIKE]
[STRIKE]sort out new bank account[/STRIKE]
[STRIKE]cancel tesco delivery saver plan and decide if I'm signing back up for another year[/STRIKE] - cancelled, will sign back up as a new customer and get cashback

Also jigged about with the food account and am moving my delivery day to a Wednesday, so had extra pennies this month, so another £50 OP just about to be made and month in hand fund up to £30. :j I'm sure that means I just met my OP target of £1000 for this year!

Do lots of surveys - 4 so far!
[STRIKE]start to finalise 2016 goals[/STRIKE] - post coming up later!
[STRIKE]Wrap a present for a birthday party the little ones have tomorrow[/STRIKE]
[STRIKE]tidy the house[/STRIKE]
[STRIKE]washing on[/STRIKE]
[STRIKE]food order to do[/STRIKE]
[STRIKE]call company about the heated airer they were supposed to collect and didn't (so tempted to keep it and see if they ever bother to collect)[/STRIKE] - it's going in the garage and I'll see if they bother to collect!
get at least one item on fleabay
[STRIKE]finish transferring my paper diary to an electronic one[/STRIKE]
have a shower or run out of time and empty my can of dry shampoo to look half decent for school pick up
[STRIKE]call carpet place to see if we can get a date for carpet fitting organised (Christmas tree up in two weekends and the carpet needs to be down by then)[/STRIKE] not in yet!
[STRIKE]Pay the bill for the septic tank being emptied[/STRIKE] - not generated yet!
[STRIKE]sort DH's birthday and christmas present out[/STRIKE]

So a shower and fleabay item and my to do list is done! Very productive morning!

oh and carry on with surveys!

debtfreeoneday

2015 / 2016 targets!

2015
[STRIKE]#1 DFW - Clear CC2[/STRIKE]
[STRIKE]#2 MFW - Overpay £1000 on the mortgage[/STRIKE]
#3 MFW - Mortgage total sub £111,500
#4 SAV - Save £500 to the 'month in hand' fund

2016
#1 DFW - Clear CC1 and be debt free!
#2 MFW - Overpay £4000 on the mortgage
#3 MFW - Mortgage total sub £100,000
#4 SAV - Save £1000 to the 'month in hand' fund

So that's them, not a massive change from before.

Will hit the third target for 2015 by the end of the year, but won't get the month in hand fund as I've only just restarted this!

2016 - It's a big ask to clear CC1, but you know me, I'll give it all I've got!

hiddenshadow

You never know until you try!

Great goals, looking forward to seeing your progress in 2016.

patanne

Personally I would have had the shower first, but then I really really hate dry shampoo.

debtfreeoneday

Love Fridays - they are my thinking and planning day. With thinking seriously about 2016, it got me thinking I should plan out the years until the date we absolutely want to be MF by, so here goes!

I've added this to my first post in the diary so I can update as we go along! I think sometimes I forget what we have done so far in this journey!! I also added a me goal. These are the baselines, I want to do more than this, but realistically these are stretching enough right now!

August 2008 - June 2015
[STRIKE]Clear original £58,085.65 worth of debt[/STRIKE]

2015
#1 DFW - [STRIKE]Clear CC2[/STRIKE] - September 2015
#2 MFW - [STRIKE]Overpay £1000 on the mortgage[/STRIKE] - November 2015
#3 MFW - Mortgage total sub £111,500
#4 SAV - Save £500 to the 'month in hand' fund
#5 ME - Lose 14 pounds

2016
#1 DFW - Clear CC1 and be debt free! (toughie)
#2 MFW - Overpay £4000 on the mortgage
#3 MFW - Mortgage total sub £100,000
#4 SAV - Save £1000 to the 'month in hand' fund
#5 ME - Lose 70 pounds

2017
#1 DFW - Clear CC1 and be debt free forever! (realistic)
#2 MFW - Overpay £5000 on the mortgage
#3 MFW - Mortgage total sub £90,000
#4 SAV - Save £2000 to the 'month in hand' fund
#5 ME - Holiday to Eurodisney!

2018
#1 SAV - TBC - will be something saving / pension focussed
#2 MFW - Overpay £6000 on the mortgage
#3 MFW - Mortgage total sub £75,000
#4 SAV - Save £3000 to the 'month in hand' fund
#5 ME - ?

2019
#1 SAV - TBC
#2 MFW - Overpay £6000 on the mortgage
#3 MFW - Mortgage total sub £60,000
#4 SAV - Save £4500 to the 'month in hand' fund
#5 ME - ?

2020
#1 SAV - TBC
#2 MFW - Overpay £6000 on the mortgage
#3 MFW - Mortgage total sub £45,000
#4 SAV - Save £6000 to the 'month in hand' fund
#5 ME - ?

2021
#1 SAV - TBC
#2 MFW - Overpay £6000 on the mortgage
#3 MFW - Mortgage total sub £30,000
#4 SAV - Save £7500 to the 'month in hand' fund
#5 ME - ?

2022
#1 SAV - TBC
#2 MFW - Overpay £6000 on the mortgage
#3 MFW - Mortgage total sub £15,000
#4 SAV - Save £9000 to the 'month in hand' fund
#5 ME - ?

2023
#1 SAV - TBC
#2 MFW - Overpay whatever it takes to get the mortgage gone!
#3 MFW - Mortgage gone - Mortgage free forever!
#4 SAV - Save £10,000 to the 'month in hand' fund
#5 ME - ?

debtfreeoneday

And with all of this, I still haven't managed to shower, but given the weather outside and the hail storms, It wasn't worth washing my hair, so I'm off to hunt out the tin of dry shampoo so I can rock up at the School gates looking a yummy mummy! As if!

Ali-OK

Love all the planning forward, great motivator and a pace-setter for me being a tad behind you.

Well done on your productive day - windswept yummy mummy is totally cool given the weather here

Hope the carpet comes in soon, will you delay the tree going up if not? I'm going for not!

debtfreeoneday

I will have to Ali, only because we would have to take the thing back down again - I'll be ringing again Monday to get it booked in hopefully!

shangaijimmy

Loving the goals, and really like your technique of MFW goals and Savings goals. It gives me inspiration to have a look at my goals and the way i post them. And the way i use post 1!