Getting a mortgage and then becoming mortgage-free!

Fortune_Smiles

Kittenkirst said:

Hi all, I did a rather lengthy reply earlier but it seems it didn’t post. Hmph! 

Some great news.....girlfriend got the job! She has accepted it and passed the plethora of security checks they do. She has 7 more work days at our present company and then starts the new job in March. Wahoooooo- more money and a positive, supportive environment!

So pleased for some positive news after a tough four months! Yay!!!!

Really pleased to hear the good news Kittenkirst.

Fortune x

PurpleFairy26

So pleased for you both 

Jessy103

Woohoo! Great news!

Kittenkirst

Thanks all, I’m so proud of her as know it took a lot for her to brush herself down and look at other jobs as a way of getting out of a bad situation!

debtfreeoneday

Great News of the job offer!

themadvix

Congratulations to GF! Hope this signals a turning point for you both.

Moneyfordreams

Fab news

VelvetFreak

Congrats to your GF on the new job! Such wonderful news  

Kittenkirst

It’s 6am and I’m struggling to sleep, so thought I’d update on our mortgage overpayments.

2020 total so far is £102 made up of lots of small bits including Tilly tidies:
£40 Facebook sales (£3 & £37)
£6 Pinecone surveys 
£19.28- 3 lots of prolific surveys payouts
£10.68 & £3.60 Quidco cashback
£8 Streetbees
£5.50 eBay sale 

As gf is changing jobs this month and I will be moving to self employed this year with no fixed income we’ve decided to slow the mortgage overpayments until we have a bit more regular income- so we’re using surveys, cashback etc to put towards the mortgage going forwards.

We’ve reworked our plans for the year and are aiming to over pay the mortgage £10 per week as a challenge so £520 for the year...as the year progresses this will get harder but we will keep on looking at ways to maximise our funds

Kittenkirst

Our interest charged per month is now at £201.17 as of January and I’m itching to get it lower. 

This conflicts with the need to save save save ready for my career change as I’m torn between smashing the mortgage and saving frantically whilst I have a full time salary coming in.

Ive been looking at other ways that I could earn money when I do the career change (without impacting my investment time and time on my self employed work) so am going to research house & cat sitting options after a friends recommendation or I may just go and look into getting a pub job for evenings during the week maybe? 

Any other suggestions from you wise lot that I should explore?