Mortgage free by 2021?!

hiddenshadow

DH got paid today, which included a bonus. Not sure how much the bonus is as he hasn't gotten his pay slip (and his season ticket loan payments ended as well so everything's off compared to normal), but the total pay is about £1,100 more than normal. Plan to split that between ISA, boosting some of our savings pots, and OPs. Will wait until he gets the pay slip to confirm how everything shakes out.

Did make my final January OP of £134.12 at least. Total OPs for January at £2,170.32, over £700 extra!

Could do my end-of-month post based on finances, but want to get the last few fitness days in - been doing pretty well overall, but some days are a struggle. Was good today - original plan was to run outside, but thanks to the rain I did the treadmill instead. Managed to get through all the run segments without walk breaks, though I did slow down quite a bit towards the end! According to my fitness tracking spreadsheet (clearly everything needs a spreadsheet :rotfl:) if I keep up with doing something every day for the rest of the month I'll have ~61% fitness-y stuff throughout the month. Would like to shoot for 75% or so long-term.

hiddenshadow

Clyde$dale switch went ahead yesterday, and everything looked ok.

However, today we got a message from +Net saying that our DD couldn't be processed. I paid manually online, and got charged £1.50 for the pleasure.

Called up Clyde$dale who said the DD was fine on their end, and they should be crediting me £5 because of the fee from +Net.

Then called +Net who said the DD was still processing which is why it didn't work today, and they'll credit me the £1.50 on next month's bill.

Two phone calls, +£5.00. Not bad!

Ali-OK

Nice one on the £5 credit and that massive OP! :T

hiddenshadow

Vet visit done and dusted - everyone in good shape. Both dogs have lost weight in the last few months which is good as they were pretty porky at their summer visit. Still a bit more to lose but they're moving in the right direction. Female cat now weighs less than the male cat, amazingly! She was morbidly obese (8.5kg) when we got her from Battersea, today she clocked in at 4.8kg.

Still have £29.69 in the vet pot, so win there. Not sure if my MSE plan for the T$B contactless worked - they did put £30 of the bill onto one card, but then did the other card as two payments so I'm not sure what counted as contactless. Ah well, we tried.

Fitness has been crap the last few days - the shower at the gym is broken so I didn't do anything there and then I left my running shoes at work so no running for me this weekend. The weather's crap today anyway so I'm not sure I would have gone, to be honest!

On the plus side, this means I can post my January totals - have made some extra OPs the past couple of days but will count those for February as the regular OP has already gone in.

hiddenshadow

January OPs: £2,170.32

Current balance: £158,711.69
Month we’d be in to get to our current balance without OPs: August 2020 (+ 4 months!)

2016 Overpayments: £2,170.32
2016 Interest Saved: £2,152.49

Total Overpayments: £27,481.50
Total Interest Saved: £30,613.43

Daily Interest: £10.59 (down £8.08 :j)
Monthly Interest: £402.16 (down £160.99) - last month of interest that includes the old rate
January 2015 Interest: £643.01 (down £240.85 )

House Bricks: +3!

Goals
Mortgage reduction: £2,957/£30,000 (9%)
Stocks & shares ISA: £500/£1,000 (50%)
Fitness: 12/150 runs (8%)
Net worth increase: £3,683.69/£65,559.14 (5.6%)
MFIT-4: £788.31/£90,000 (0.8%)

Ali-OK

Superb figures, you must be delighted :T

That's a huge interest saving on your new rate too, won't be long until you're under £10 a day interest.

hiddenshadow

Thanks! It's amazing that we've essentially cut our daily interest in half over the last year between OPs and the new rate. Spreadsheet predicts May to get under £10/day, might be able to sneak that to April if we're lucky.

Should be able to get below £156k once our regular payment goes through on Monday, along with another OP.

BookWorm

Great OP's and fab reduction on the daily interest rate :T

EatingTheElephant

I've just caught up with your diary, what a great start to the year.

Great post with percentages achieved, I might have to steal that idea if you don't mind!!

hiddenshadow

EatingTheElephant wrote: »

I've just caught up with your diary, what a great start to the year.

Great post with percentages achieved, I might have to steal that idea if you don't mind!!

Feel free.

If you're wondering about the colours I used, I compared the percentage to the year. January is 8.3% into the year so anything above that got green. Anything below that was yellow (MFIT is red as it's quite low but it'll get bumped up with my February OPs as it didn't really start tracking until the end of January.)

...in case you cared about/wanted to emulate my anal-retentive attitude towards displaying simple progress percentages. :rotfl: