Mortgage free by 2021?!

hiddenshadow

debtfreeoneday wrote: »

Just caught up on your posts, sorry to hear you're not well. Doesn't help, but at least you have a date for the results. If you are seeing someone for this fit note, I usually find they regurgitate, so absolutely be saying, I can do XX in the office, I can do XX at home short term pending the results of the tests, they have to make reasonable adjustments to help you.

Looking forward to hearing about the results of the yarn production!

Thanks for the support.

I have essentially dictated the fit note to the GP, but work still wants additional info/reassurance/who-knows-what before they'll actually adjust any of their work policies for me. No idea why, as it's costing them the same amount of money if I stay home and don't work as if I stay home and do get some work done, so you'd think they'd opt for that one, but oh well.

Watty1 wrote: »

Just catching up with posts. How are you? How is dog? Sending hugs because you may just need them.

Hi Watty, thanks for the hugs.

I'm...tired and frustrated. Haven't been to work in about two weeks (couple days holiday, rest illness), which is annoying. Today I'm home again as the weekend was quite fatiguing even though I didn't actually do much (went to visit in-laws and I sat on their couch rather than mine).

Dog is as well as can be expected. He's back home after a couple of days at the vets, still not fully back to normal but may never be. Does seem to be adjusting to not having much balance, so fingers crossed this was a one-off and isn't repeated (though vet said it could recur anytime).

Murphy continues to be annoying. Having settled the vet thing out, it's picked a different angle. DH went to collect MIL yesterday to bring her for lunch at BIL/SIL's house and the car started squealing when you asked it to move (not an unreasonable request for a vehicle IMO). RAC came out and couldn't fix it, so instead they towed us from Derbyshire down to London...or rather, almost down to London, then they parked the car and put us in a taxi for home. Car got towed the rest of the way today (something about time limits for drivers and the fact that there were 3 of us so we couldn't fit into any tow truck). Car should be at the repair shop now and should get an initial assessment of its issue(s) later today. We've got money set aside for car repairs, so I'm hoping it's fairly easily/cheaply sorted. Absolute worst case we could afford to buy another car, but it'd be nice not to have to do that.

Not much else to report...been feeling a bit lacklustre on the mortgage OPs lately, partly because we're back to offsetting after the vet bills/landscaping, partly because mentally I'm leaving this house behind and focusing on finances for pre/during/post-moving. (Not to mention all the bank interest changes which make banking much less interesting/lucrative.) Hope to get that mojo back for December, which should be a pretty quiet month (assuming the car isn't dead, MIL will visit over Christmas, but that's it).

Apologies for the rather mundane, low energy post, but such is my life these days. Sigh.

Watty1

I think the general lack lustre feeling is everywhere at present. Hang in there.

debtfreeoneday

what they said ^^^^

hiddenshadow

November OPs: £1,405.00
November Offset: £126.20

Current (offset) balance: £122,387.05
Month we’d be in to get to our current balance without OPs: June 2025 (+3 months)

2016 Overpayments: £22,851.23
2016 Offset Savings: £5,228.19
2016 Interest Saved: £24,483.75

Total Overpayments/Offsets: £53,181.73
Total Interest Saved: £52,944.70

Daily Interest: £8.52 (down £0.53)
Monthly Interest: £262.58 (down £5.68)
November 2015 Interest: £570.59 (down £308.01)
November 2015 Daily Interest: £19.02 (down £10.50)

House Bricks: +2

Mortgage reduction: £39,281/£43,000 (85%) (Average: £3,571.07/mo)

Didn’t quite make it out of the 122s, but not too bad. Not sure about meeting the increased goal, but we’ll see.

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

No change

Net worth increase: £85,350.40/£65,559.14 (130%)

More stock market gains.

MFIT-4: £37,112.95/£90,000 (41%)

Still 13% ahead of schedule.

lippy1923

Great figures considering all the hiccups that have occurred recently. Hope your dog gets well and the car fairy fixes your car overnight free of charge

hiddenshadow

lippy1923 wrote: »

Great figures considering all the hiccups that have occurred recently. Hope your dog gets well and the car fairy fixes your car overnight free of charge

Thanks lippy, would especially love the car fairy!

Garage estimates £1,200 to sort everything out. We planned for £1,000 in repairs (don't have that quite yet, but can shuffle things around in the budget), so that's not horrible, but only if nothing else goes wrong with the car. We'll see.

debtfreeoneday

urgh to car repairs!

hiddenshadow

Very urgh indeed. At least the car itself wasn't too dear.

jodles16

HS I am sorry you are having such a rough time of it, hopefully, yourself, doggy and car will all be up and running in no time!

Your OP's are amazing, Ireland plans sound amazing!

Best of luck, will pop back soon!

Jodles

hiddenshadow

Thanks Jodles! Dog is mostly better, which is a huge relief.

Car saga continues. Turns out garage receptionist is our neighbour, which was very handy as she drove our car home last night and dropped it off, as DH wouldn't have gotten home in time to pick it up.

Bad news was that 30 minutes later when we went to drive to dinner, it wouldn't start. Neighbour kindly offered a jump, but nothing happened. She's brought home a battery from work for us to try, but if it's not that it'll have to go back for more investigation.

My mom was visiting for a couple of weeks and left this morning. It was nice to see her, but also good to have our house to ourselves again. I finally started work on the house again (likely to my detriment health-wise, but good mentally), so I'm hoping we can keep on that and continue to tidy/finish projects.

Neurology department confirmed they have all my test results, so I'm hoping to at least get an appointment date (if not any test results) next week sometime. Also want to try and go in to work next week, though that might be pointless as the couple of days I went in with my mom for errands/sightseeing I was exhausted during/after the trip, and that was with help and out of rush hour (plus not trying to do work/focus after travelling). Have to continue to play it by ear, I guess...

MSE-wise, regular mortgage payment went through. Applying our OP as an offset for now while we see what happens with the car, but that still brings us into the 110s. :j Doubt we'll make much more progress this month, but we might pull something off.

Current payoff numbers puts MFiT-T4 percentage at exactly 44%, which makes me happy.