Was Mortgage Free until 52!!!

Luckyinlife

Cracking date to set :] hope you smash it FK :]

i dunno if i can get a date i know how much i need to overpay month/ year to hit my 10 year target

whos at the house with you currently

A_Frayed_Knot

Had too much time on my hands today, so had a good think about when i want this mortgage to finish, I kept thinking 5 years but that took me over my birthday date, then dawned on me 2020 is a leap year, wouldn't be nice to finish same day, 2 leap years later:D. Told you i had too much time.

So that's it ..... bought 2.2.12, mortgage started 29.2.12 mortgage finishes 29.2.20 (fingers crossed)

whos at the house with you currently

only me, but don't worry, I do know what month it is, really:rotfl: its the year i can't remember:rotfl::rotfl:

Monkeychops16

How exciting an end date in sight :-)

A_Frayed_Knot

Monkeychops16 wrote: »

How exciting an end date in sight :-)

To meet this date, have to up my o/p's by £50 a month, taking me to £300 o/p a month.
I'm sure over time, o/p figures and dates will change, but ultimate goal is 29.2.2020.

Luckyinlife

Thats great FK

is £250-300 the min overpayment to hit that date ?

with your target in mind i checked mine out of interest my min OP would be £800 roughly haha to much for me

But for my target roughly is around 200-300 a month OP

How much do you currently ow on the mortgage ?

Hollyboll

:T great plan and leaping dates FK - very impressed!

I did a fleabay binge at the weekend and yesterday did my first batch of sending with H3rmes, which someone here recommended. It's actually really impressive, does a lot of the faffing for you and I think a bit cheaper than RM (plus trackable).

A_Frayed_Knot

Luckyinlife wrote: »

Thats great FK

is £250-300 the min overpayment to hit that date ?

with your target in mind i checked mine out of interest my min OP would be £800 roughly haha to much for me

But for my target roughly is around 200-300 a month OP

How much do you currently ow on the mortgage ?

Yes, £300 a month o/p, if i calculated right, to finish it off by 29.2.2020,Is that 200-300 to meet your target of 10 years ?

Hollyboll wrote: »

:T great plan and leaping dates FK - very impressed!

I did a fleabay binge at the weekend and yesterday did my first batch of sending with H3rmes, which someone here recommended. It's actually really impressive, does a lot of the faffing for you and I think a bit cheaper than RM (plus trackable).

Thanks.
Oh, i would love to do a bay binge, too many decisions though, what?/what start price or do i do a BIN price?
how long for? would someone what this? the list goes on, but always curious to find out what others manage to find to list? I really do have so much stuff(lovely items) new in boxes, with labels etc etc, and with xmas coming would love to get rid of it all. Have more space (more ???) and of course, the extra ££ to o/p.

Hollyboll

As the greatest procrastinator of all time, I can warmly recommend just start with something. Personally, I piled up loads of carp and then it got too big a job so I kept on putting it off. And it was a massive pain to do it. But even as I sit here something has just sold which I'd have otherwise simply binned.

I'd just take a couple of things and do a search on the fleabay ticking 'completed' or 'sold' on the left hand side ... I was amazed at what prices there were.

You can list 20 things free each month, and schedule 20 free each month. Someone (I think maybe MWC?) recommended listing on a Thursday evening for 10 day auction cos then you get 2 weekends. So I've followed this and if things don't sell I either relist same or bung them onto a buy it now for the minimum I think is worth not giving them to the charity shop.

But the biggest thing I'd say is just get going - I let it become such a big frog/ toad / elephant and it really didn't need to be. Once you start it's not so bad if you do it in little bits ... and it actually gets quite encouraging watching bits of cash come in.

So ... it's Thursday ... d'you fancy listing 3 things this evening?

xx (no zealot like a convert especially an embarrassed convert)

Luckyinlife

Ya £300 a month to finish in 10 years

I could maby do it in 8 if i used the EF to pay off a lump at the end depends how rates go over the next 5-10 years i guess

if i pay it off in 10 years ill be 38 and very happy :]

A_Frayed_Knot

Hollyboll wrote: »

As the greatest procrastinator of all time, I can warmly recommend just start with something. Personally, I piled up loads of carp and then it got too big a job so I kept on putting it off. And it was a massive pain to do it. But even as I sit here something has just sold which I'd have otherwise simply binned.

I'd just take a couple of things and do a search on the fleabay ticking 'completed' or 'sold' on the left hand side ... I was amazed at what prices there were.

You can list 20 things free each month, and schedule 20 free each month. Someone (I think maybe MWC?) recommended listing on a Thursday evening for 10 day auction cos then you get 2 weekends. So I've followed this and if things don't sell I either relist same or bung them onto a buy it now for the minimum I think is worth not giving them to the charity shop.

But the biggest thing I'd say is just get going - I let it become such a big frog/ toad / elephant and it really didn't need to be. Once you start it's not so bad if you do it in little bits ... and it actually gets quite encouraging watching bits of cash come in.

So ... it's Thursday ... d'you fancy listing 3 things this evening?

xx (no zealot like a convert especially an embarrassed convert)

Thanks, I think you hit it on the head there, I have a lot, and i mean a lot of
interesting "things" ......you call it carp, so it does put you off somewhat. I did list 6 things in the past week all BIN prices - too impatient to wait for 10 days !!! and 3 sold within a day and the next 3 sold the following day. But need things to move faster.... I will list the 3 items tonight, bought batteries today for my camera, o have to do it the old fashioned way as its the only way i know, and takes 10 times as long.

Luckyinlife wrote: »

Ya £300 a month to finish in 10 years

I could maby do it in 8 if i used the EF to pay off a lump at the end depends how rates go over the next 5-10 years i guess

if i pay it off in 10 years ill be 38 and very happy :]

Stick to your 10 years, as you have only just begun your journey.


When I went in for my second deal, that's when you can decide what you can afford a month and then work out how many years that will take you to. I had a rough idea when i went in, and got the 2 option scenarios 9 yrs at this, and 8 years at that, kept in mind that when i took out mortage, had the same option, 18 years at this, 14 years at that. I took the "this" as like you, had so much to do and furnish and didn't know how savings and bills would go, so opted for the "safe" option. Was I sorry - yes:(, but you learn, which made me push myself for the lower no of years for the second deal. Am I glad - yes:D:D:D.


When it comes your time to re-mortgage, you will remember this:idea:, won't you ???