My MF Mission 2015

lippy1923

Reasons to look forward to tomorrow;

1) Its Friday
2) I'm off work
3) I get to colour in another brick when the mortgage payment goes out.... feels like its been ages since I last did this!

After various quotes, decided to leave the kitchen how it is. I cant face paying £8k out of my savings just yet, so going to wait until we are MF and own the house outright before we start investing into renovations!

lippy1923

Wow long time no speak!

Its been a hectic few months. Been manic at work with projects, another exam passed and another taken, searching and applying for schools for DS and had a change of heart and got the Kitchen done.

Finances and budgets have gone out the window, so think I am just going to re-evaluate where I am at the end of the year and set myself some new goals in 2018.

On a good note, I have managed to continue saving my regular OP of £500 pm, which will go straight to the mortgage when the regular saver matures next year

Firegirl

Sounds like you’ve been super busy!!!!

shangaijimmy

Life sometimes get in the way!!

hiddenshadow

Sounds like good chaos overall - congrats on passing your exam! And well done sticking with OP plan while redoing a kitchen..impressive.

lippy1923

I'm back. Hope everyone had a nice Xmas

Update-
I managed to hit my 2017 target with £6k. £2.5K of that was officially OP'd but the remaining £3.5k is still in the regular savings account, so kinda cheating really as its not officially OP'd. But I stuck with my £500pm savings, so I am counting it. I will continue to put £500 away in the RS until it matures in May and then sweep it all in a lump sum over to the mortgage.... cannot wait

New 2018 goal.... this is a big one for me, not sure if its do-able yet but I'm gonna give it a bash. By Dec 31st I hope to have my mortgage balance below £75k while still maintaining at least £20k in my EF.

I also have to pay £4.8k off a 0% CC by March 2018 so my 2018 goal is going to be quite a challenge.


Have a great new year!

hiddenshadow

Exciting challenges!

lippy1923

Enjoyed the day off, but hate that my mortgage DD is delayed a day.
Online banking shows my daily interest is £3.77...... not too bad compared to what it was on my old rate!

lippy1923

Payday has arrived and monies have been moved to their dedicated homes. Happy to announce I have reached another milestone. £30k in savings


It will be short lived as I need to pay back my CC in the next few months, but I have never had that sort of figure all at once before. Roll on the 1st of the month for another mortgage payment.

hiddenshadow

Woo! I think I'd log in every day just to look at that savings balance while it lasted, lol.