Diary Mortgage Free Road To Change My Life

EatingTheElephant

Soooo close to your target, hope work picks up soon. We find we get slight seasonal peaks and troughs and are usually quieter during summer holidays. Is it the same in your line of work?

Luckyinlife

Thanks AFK :]

ETF Ya the last 3 years has been pretty stable but this year been up and down month on month really but thats why i have a Ef so big in place just incase should give me a year and half if income completely stopped for any reason

Weather is stunning today so iv been working last 4 hours gym time food clean car back to work

Luckyinlife

Quick update

Made An OP of £166.19 made up from
£17.23 interest on current account
£71.53 interest from isa That was issued in march totally forgot about this
£77.43 from a legal and general payment i get this stops soon tho

This is all extra income so much better off the balance of the mortgage for me

I wont be overpaying anymore really till work shows an increase but saying that i should get my goal of hitting under the 60k mark this year and having under 60% ltv :]

A_Frayed_Knot

You are so doing the right thing - o/p with what I call "free money" That totally wouldn't hurt to o/p that

Does work tend to be a little quiet once the weather changes, or just a blip dip for now?

and great your still on target for being under 60k at the end of the year.

How's the keep fit/weight loss doing

Luckyinlife

Hey AFK
Hehe got to love the free stuff :]

Ya work can be up and down doesn't normally change with weather just been slowly going down this year month on month hopefully it will pick up sooner or later. This is why i refuse to chuck even half of my EF at it just in case you know

60k will be mine this hehe :]

Weight lose is good total down about 17lbs now and been gym/eating a lot cleaner i still have the odd thing now and agine but just make sure i have it within what my daily needs are :]

spendinglikemad

Well done on the O/P - I like the idea of throwing the free stuff at the mortgage - I tend to just leave in the current account but that way it goes straight away.
Even better on the lb loss - I have lost my diet mojo at the moment and need to find it!!

SLM

tattycath

Luckyinlife wrote: »

Quick update

Made An OP of £166.19 made up from
£17.23 interest on current account
£71.53 interest from isa That was issued in march totally forgot about this
£77.43 from a legal and general payment i get this stops soon tho

This is all extra income so much better off the balance of the mortgage for me

I wont be overpaying anymore really till work shows an increase but saying that i should get my goal of hitting under the 60k mark this year and having under 60% ltv :]

Well done on the overpayments. :j
I've made some substantial overpayments this month. Someone paid some money back that they owed me so I paid it straight off the mortgage. I have also sold some stuff instead of taking it to charity ( charity begins at home). So I paid that off the mortgage too.

A_Frayed_Knot

spendinglikemad wrote: »

Well done on the O/P - I like the idea of throwing the free stuff at the mortgage - I tend to just leave in the current account but that way it goes straight away.
Even better on the lb loss - I have lost my diet mojo at the moment and need to find it!!

SLM

Just think - never had it, will never miss it. And o/p your mortgage

tattycath

A_Frayed_Knot wrote: »

Just think - never had it, will never miss it. And o/p your mortgage

That's what I do and when the kids borrow money, when they pay it back I treat it as a bonus that I never expect and it goes straight off the mortgage.

A_Frayed_Knot

tattycath wrote: »

That's what I do and when the kids borrow money, when they pay it back I treat it as a bonus that I never expect and it goes straight off the mortgage.

I also pay the postage for my bay items but put all payments straight to my mortgage, thus o/p even more