ATB's £171k quest begins.... NOW!

A_Frayed_Knot

QB_Wolf wrote: »

I love this, I haven't been able to OP for ages, but I'm about to OP £17.55 to get to the nearest hundred.:j

Yeah, good on you, take that, mortgage lender that's £17.55 you will never get interest on again :dance::dance:

Ehmm, forgot to mention :doh:, if your at xxx,000.00 you could push for another £1 taking you to your next thousand down :think:

atypicalblonde

A Frayed Knot - that is a brilliant post and a great way of looking at it, thank you so much

Hiddenshadow - thank you so much for the spreadsheet. That's my night planned

x

Kaiser888

A_Frayed_Knot wrote: »

I have a simple method to keep me motivated, only thing is to explain I make it sound complicated :eek: and only works if you have a sub account as well, but you could adjust to suit yourself.

• "Always have 0.00 at the end of your mortgage"
• This way the least/most you will pay is 9p or 9.99
• On flush days you could go for 00.00 at the end or even 000.00 :eek:

Today I o/p £20.39 as my mortgage plus sub account ended xx,720.39, next I will look at mortgage figure only which will be xx,279.61.

so I have the option of o/p 1p (don't laugh, a pennys, a penny), 61p, £9.61 or if very flush £79.61
next time I look at my mortgage plus sub account, and so it goes on. At the end of the month I usually aim for a nice round figure, maybe aiming for the xx,500.00 or xx,000.00 This has certainly kept me "interested" :Dshall we say:rotfl::D


I know, I know, I need to get out more :rotfl::rotfl::rotfl: Good Luck whatever you decide.

thanks !!! Great stuff i will b doing this . I love this idea.

gallygirl

atypicalblonde wrote: »

Thanks GG I need a spreadsheet to tell me all these clever things also as soon as the mortgage is gone we can finally visit our friend in Bedar again - what more motivation do I need x

But I've moved - you won't be looking down on me any more :rotfl:.

atypicalblonde

gallygirl wrote: »

But I've moved - you won't be looking down on me any more :rotfl:.

Oh boo! Where are you now? X

PrincessLou

ATB you have made a brilliant start - well done you :T

I have a system very similar to AFK. It does almost turn into an obsession though

Ultimately I'm just always aiming to get into the next 1k bracket. :j

crunch_time

atypicalblonde wrote: »

Hi crunchy

I don't mind at all! When I was working I would OP as soon as I was paid, then we had to live off what was left. Now I'm not working finances are much tighter as I explained above so the OPs are smaller. The £600 OP made at the weekend was partly from savings, partly money from eBay sales.

Our budget is strict. After all bills are paid we have £900 left for food, fuel etc. To meet our target we need to OP £750 a month leaving £150. So I concentrate on generating more income with eBay sales, clever food shopping, meal planning & being thrifty. Our children are small so their wants are few - baking, the park and reading are favourites! Neither DH or I are materialistic, shopping doesn't interest us. Good food, a glass of wine and relaxing at home is all fairly inexpensive. We don't go abroad, that will be something we do when the mortgage is gone. For us it's just all about priorities - we want to pay the house off whilst the kids are young so whatever the future holds see always have our home x

Thanks ATB for your response! I always find it interesting and helpful to see how others manage their money and its frowned upon to talk about it in 'real life.' Are you planning to go back to work in the future?

Crunchy xx

gallygirl

atypicalblonde wrote: »

Oh boo! Where are you now? X

At the seaside

A_Frayed_Knot

gallygirl wrote: »

At the seaside

All the more reason, to pay that mortgage sooner :rotfl:

atypicalblonde

I have started a new diary now folks.... see you there x