Mortgage free by 2021?!

Sundaysgirl

Nice work! All these small amounts soon add up and really chip away at the mortgage.

debtfreeoneday

Well done on the win and reaching payout!

hiddenshadow

Thanks! Took a while for payout, but at least it's easy enough to do.

£4.65 today from Shopitize - DH is pretty into the getting-paid-to-shop thing, so that's cool. (He does our weekly shop in person after we decide what to buy.)

hiddenshadow

Good news and bad news today...

Bad news: The dishwasher door we ordered is for a slimline dishwasher so it won't work.

Good news: Ordered a non-integrated dishwasher (with cashback :money:) for £60 less than the integrated one was going to be, and it's still being delivered on Sunday. Slightly lower cashback rate than the previous order, but still a good savings.

With that money freed up from the household budget, I think extra money can be made for OPs the rest of the month. Not sure what that extra money will be yet, but that's the exciting part, right?

hiddenshadow

Wasn't planning to post as it's been a quiet day at home (didn't sleep well last night so have been taking things easy).

However, DH logged onto online banking and discovered an extra £4,093.26 in his account. The reference says "PPI & Int" so presumably it's the PPI claim he made. Last contact from B@rclays was about 3 weeks ago when they said they'd have more info in late December/early January, so this was definitely unexpected.

Haven't actually done anything with it yet, other than move it to interest-bearing accounts. Tentatively we'll put £2k towards a car purchase in the spring, £50 to the clothes budget to buy DH new shoes, and if we haven't come up with anything else we'll put the remaining £1800-£2000 to the mortgage. DH has a gift card to the @pple store that he hasn't used so I've encouraged him to see if there's anything he'd want to buy with a "top up" of ~£200 from the PPI money - seems a shame to not buy anything fun with it, and it was DH's money that paid for PPI in the first place. (If it were me I'd throw it all at the mortgage but £200 won't make a huge difference anyway.)

Pretty exciting end to a very quiet day! :j

Dird

You and DH are both American? From where? :-o
You don't have any crazy American student loans to repay?

When I read "£2,500/mo pension" I was thinking what are these crazy London salaries that I never see xD made more sense when you posted full incomes

debtfreeoneday

Whoop - what a nice windfall!

hiddenshadow

Dird wrote: »

You and DH are both American? From where? :-o
You don't have any crazy American student loans to repay?

When I read "£2,500/mo pension" I was thinking what are these crazy London salaries that I never see xD made more sense when you posted full incomes

I'm ex-American (only UK citizenship now), DH is British. I grew up on both coasts (parents divorced when I was a kid).

I was lucky to escape university with only $2,500 in student loans, which got paid off long ago. Many thanks to my parents for helping with the costs.

DH and I both make pretty good money in IT, but mostly we're trying to ignore it and put it away for retirement. I think I'm better at this than DH, but he's learning.

hiddenshadow

debtfreeoneday wrote: »

Whoop - what a nice windfall!

I know! And DH was reluctant to fill in the claim form in the first place because "he knew what PPI was and how it worked". Glad I pushed him to do it now!

(Hoping this will be the push our friend needs to look into his own stuff - he was saying the other day that he's too lazy but the possibility of 4k or thereabouts might give him motivation. :cool:)

Sundaysgirl

Amazing windfall, what a fabulous surprise that must have been!