The Mortgage Free in Three - Take 4 challenge (MFiT-T4)

trix-a-belle

kizzie01 wrote: »

Can I please join this challenge or am I too late?

apologies i didnt see your post kizzie yes you can please submit a joining form on the link in the first post of the thread

maximum saver
apologies i hadn't updated the thread starter posts, i'll do that now but link again Chart 3 link

Suffolk_lass

trix-a-belle wrote: »

Chart 3 link

Hi trix, I was not able to link to either of the earlier charts in post 5 when I tried this week. It told me my (real-me) ID did not have permission to access them. Has something changed?

SL

trix-a-belle

Suffolk_lass wrote: »

Hi trix, I was not able to link to either of the earlier charts in post 5 when I tried this week. It told me my (real-me) ID did not have permission to access them. Has something changed?

SL

No change from me SL.
If you have a gmail ID can you view the spreadsheet through Drive? (if you've been in before have a look on your recent list) & get to the chart sheet from there?

Maximum_Saving

Thanks Trix-a-Belle for the Chart 3. I am pleased with my progress on paying off my mortgage. I am so lucky that Nationwide allows up to £500 a month overpayments. Anymore than this would be a 5% fee. I wished to do a lump payment in December 2016. I am worried that Halifax and TSB have their reward amount or interest rate going down in early 2017.

brizzledfw

Hi all, well done everyone.

I am in the red, but will indeed play catch up AFK!! I hopefully find out later this week that my next bill to THEM will not be too horrendous so can then focus again on paying down the mortgage

Xx

jodles16

Hey everyone! Good to see everyone popping in! I definitely agree its a sprint not a marathon, and life can be so unpredictable!

Keep up the great work everyone, every penny is one you wont pay interest on again!

Jodles

Runders

Hi all, just sent my form in with my update. I haven't been around again due to some other family issues and a dead laptop. But laptop is up and running again now, woohoo!

I have a feeling my latest update will put me into the red, I have recently remortgaged and so that has added a bit back on Still, seeing the red of doom on here will hopefully spur me on even more now!

Maximum_Saving

Hi Runders. It is great that you laptop is working again. Well done for remortgaging to another deal. I looked into doing that. I am staying with my same mortgage. With this I have been able to pay a little more and reduce my number of years.

trix-a-belle

'gonnahappen' I have got your joining form but according to the message system your username does not exist on the forum, please can you send me a pm in the forum to make contact first please.

Twiggy_34

I'm finally able to post on this thread! I signed up right at the start but had to delay full participation because we were in the throes of switching mortgage providers. That was done and dusted some time ago but we only just got around to setting up a regular overpayment (literally just got off the phone).

It's not mega bucks as we've just rounded up our payments to the nearest £100 mark, so the monthly overpayments will be just a few pence above £40. Every penny counts though eh?! According to the overpayment calculator, over the duration of our remaining term, that equates to around £1500 less interest and nearly 2 years shaved off as well. I do hope that we'll be able to make a few one of lump sum payments as well over the course of the mortgage but at least this is a start.

Updates are going to be tricky as we only get 6 monthly statements and no access to balance information online (completely ridiculous for an online only bank!), but I'll do what I can when I can