Mortgage free by 2021?!

shangaijimmy

Meals out and concerts on a school night! I'd have been fit for nothing in work!

hiddenshadow

shangaijimmy wrote: »

Meals out and concerts on a school night! I'd have been fit for nothing in work!

Yesterday was rough! At least it wasn't a regular work day as we had a day out to bond as a team and celebrate recent events at work, so didn't have to think much. Did have to get up 30min early to make the train out to the countryside though!

Would have preferred a night out on Saturday but the performance was only on Sunday. She (Mary Chapin Carpenter) is touring the UK for the next two weeks so I recommend going if you like folk/country music.

hiddenshadow

£3.08 interest from the new T3sco account, plus £21.75 from p@nelbase. That included £15 for trialling a betting site which took about 5 minutes total. :cool: Also enjoying two free boxes of chocolates to give feedback on...forget what the pay is for doing that, but frankly, I'll work for chocolate. :rotfl:

That brings the current mortgage balance to £139,770.17. But of course that puts the current mortgage progress for 2016 at 72.9933333% so I had to shuffle £2 around to get that up to 73%.

Current mortgage: £139,768.17

hiddenshadow

Took the dogs to the vet today - older guy is in great shape , just needs to lose a bit more weight. Greyhound needs to gain a bit, and get his teeth cleaned next month. Now to see how long pet insurance takes to reimburse us for older guy's medications.

£12.80 from T$B cashback last month.

£10.00 from Ips0s surveys.

Also did more MB, though made a couple of mistakes so didn't make as much as I could have. Didn't lose anything, though, so that's a bonus. Will wait until that amount clears the bank to add it to the offset pot.

Current mortgage: £139,745.37

MFIT-T4 progress at 21.9488889%...might get it to 22% before the 25th??

hiddenshadow

£28.42 from MB in the bank accounts and £5.25 from shopitize.

Current mortgage: £139,711.70

MFIT progress up to 21.987%...£12 more to go. Waiting on TCB gift card to arrive which should be > £50 but seems cheating to count it before we have it.

hiddenshadow

Quiet weekend - went out to a local restaurant on Saturday where DH had a nice steak and I had...salad and chips. I don't eat steak and those were the only two things on the menu I could eat. They were nice, at least, and as they were sides it was quite cheap so we only spent £34 between the two of us. N@tionwide have confirmed that we'll get £5.10 cashback though neither transaction has shown up in the account yet.

Gave in and fudged budget numbers to get us to the 22% MFIT number by today. Hoping the TCB gift card arrives this week as we could use a replacement fan (bedroom where the dogs stay during the day gets quite hot).

Got paid today and the number actually looks correct reflecting pension contribution. That bit hasn't yet shown up in my pension, but will look for it later in the week. Only took 3 months to setup.

hiddenshadow

July OPs: £1,400.00
July Offset Savings: £751.99

Current (offset) balance: £139,700.00
Month we’d be in to get to our current balance without OPs: April 2023 (+5 months!)

2016 Overpayments: £13,752.18
2016 Offset Savings: £1,223.45
2016 Interest Saved: £15,064.03

Total Overpayments/Offsets: £40,173.48
Total Interest Saved: £43,524.98

Daily Interest: £9.39 (down £0.16)
Monthly Interest: £279.57 (down £14.40)
July 2015 Interest: £613.30 (down £333.73)
July 2015 Daily Interest: £19.78 (down £10.39)

House Bricks: +3

Mortgage reduction: £21,968/£30,000 (73%) (Average: £3,138.41/mo)

Progress continues.

Stocks & shares ISA: £1,000/£1,200 (83%)

No change

Fitness: 57/150 runs (38%)

Horrible. 4 runs this month. Need to sort out this intermittent vertigo/muscle weakness thing.

Net worth increase: £50,097.15/£65,559.14 (76%)

Major uptick in pension values. Not as exciting as it sounds thanks to the 13% drop in the value of the pound, but I guess we’ll take what we can get.

MFIT-4: £19,800.00/£90,000 (22%)

Had to get this to a round number. 5.33333% ahead of schedule.

shangaijimmy

3 bricks, thats such a good month! Great going.

hiddenshadow

shangaijimmy wrote: »

3 bricks, thats such a good month! Great going.

Thanks SJ! Should be able to pull off another one this month once DH gets paid as he should have bonus money. Won't confirm that until Friday, though.

hiddenshadow

Good news: DH got paid today and his bonus added £785.21 to his cheque. Will likely add all of this to the offset pot, though may actually send some of it to the mortgage instead.

Bad news: FIL isn't doing well with a chest infection - he's been in hospital for a couple of weeks but got worse over the last day so we drove up late last night. He seems better than I feared from MIL's description of his condition (though that's not saying much as she implied he was at death's door), but we won't know until the weekend whether the infection is finally going away.

Thankfully DH's work is fine with him taking a couple of days off, and I'm working from (BIL's) home, but our planned quiet weekend of a bit of DIY, a movie, and relaxing isn't going to turn out that way. Hoping that by tomorrow FIL's condition will be better and we can plan to go back on Sunday as that's as far as we managed to book (on about 90 minutes' notice) for the dog sitter. Worst case scenario I can always come back and DH can stay through next week. We were going to be up here next weekend anyway for DH's coworker's wedding so it might make sense for him to just stay up here with the car and I go down/come back on the train to take care of the animals (and go to work ).

Nothing else too exciting. My pay was at the level it should be with pension contribution missing, so work seems to have sorted that out. Pension account isn't showing the contribution yet though, so I can't confirm whether work's matching funds have gone in (asked for them to put in 3x the normal amount to reflect that it took 3 months to set it up properly!). Fingers crossed that's a nice surprise next week.

Hope everyone has a quiet rest of the week/weekend. At least the weather is a bit cooler here than near London - my office lacks any ventilation so it gets quite brutal in the afternoon when it's warm!