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Getting a mortgage and then becoming mortgage-free!

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Comments

  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 4 February 2017 at 3:43PM
    Afternoon folks,
    Today started off with a trip to the gym- started running and was aiming for a 10km run however managed just past 8km before the headphone got stuck in my ear- Again! This time the pain was worse though, hightailed it out of the gym home & gf wrenched the ear bud out with tweezers but it blinking hurt!! :mad: :eek: :eek:

    Nipped to supermarket for potatoes to make roast potatoes & boulangerie potatoes, will do stuffing, brocolli, carrots & cabbage to go with.

    Frozen berries are defrosting on the work surface ready to make coulis to go with the cheesecake :)

    £8 of the grocery budget spent at tesco's (chicken sausages, potatoes, soda water, stuffing) and that's it for today.

    We've just made Colombian eggs for lunch with those OoD tortilla bought from the reduced food place- scrumptious!
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • newgirly
    newgirly Posts: 9,389 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I think you need some new bigger earphones ;)
    MFW 67 - Finally mortgage free! 💙😁
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Totally! Am looking at getting some 80's style over the head ones :D
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope you're feeling better kk. You eat so well on a good budget and clearly shop very wisely.

    Another vote here for safer headphones!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • 4.5p reduction in your daily interest is something to be celebrated in my book - its less money you have to pay to the banks.

    Congrats on your progress so far, you are off to a great start.
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 5 February 2017 at 6:08PM
    Hi Needhelpsavibg, yes you are totally right, 4.5p per day across 24.6 years will soon add up :D

    CathT- yeah, we both really enjoy our food so we try to keep the costs down but enjoy it. Today is leftovers from the roast dinner, gf just made herself bubble & squeak cakes with some pork on the side, I'm not too hungry yet so had the small ramekin of those delicious boulangerie potayoes (definitely a recipe to repeat often!)

    Today we had a cinema date- got some show film first free tickets a few weeks ago (they aren't often available in Leicester) to see Hidden figures, so we popped out, called at Starbucks on wayand used my free voucher for the biggest frothy coffee ever :)

    We took our own sweets from the sweets cupboard, a bottle of water & one of the posh fizzy pops we got from that hotel in London. Cheap morning date and the film was fab, so inspiring and uplifting.

    Popped into Iceland on the way home for some oven chips and some frozen chicken breasts as the gf has been having them in wraps/with couscous for work lunches this week and enjoying them :) another £7.50 of grocery budget gone.

    Now tucked up on the sofa watching inception before I do some light tidying and some eBay listings- 3 pairs of almost brand new trainers listed and scheduled for tonight as well as a festive jumper I really dislike so getting rid. I want to list another four items tonight but do find it the worst chore!

    Cheekily tilly tidied £6 from the joint account to the mortgage too :D the £236 was annoying me; it's now a nice £230!
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Decided to bite the bullet and have moved the remaining £25 from the amount I though we'd have left before payday. I've moved it now as even with additional spending on the joint account we should have enough :D

    Total of £36 moved today now! Little & often, little & often
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Inception - what a great film. Good luck with the eb@y sales.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Bay of E didn't quite go to plan...5 things have been listed as of last night finishing next Sunday evening.

    I did however make a banana bread out of two very sorry-for-themselves bananas (from the work daily fruit bowl in the week!) which is now in the cake tin for the week, and I made dinner finishing up the roast potatoes, some of the cabbage, carrots & brocolli. Finished off the tiny amount of bacon Lardons in the freezer and the chicken bits off the chicken legs/thighs from dinner the other night (boiled the bones for stock and picked off the meat and froze it).

    Back to work today, so many emails due to day off ill on Friday...booo!
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Lunch time so pouring over mfw diaries and marvellinrg at some of the OPs that people can make- so inspiring but at times makes me question if my small bits make a difference, but they definitely do and another year from now and we'll be able to throw a little more each month to he mortgage.

    Breakfast was porridge with that lovely Fortnums jam, lunch has been chicken sausage wraps using up rocket from the fridge. Delicious!

    3 items have been drafted on bay of e this morning too, scheduled to start on Sunday as I believe that more people are online on Sunday evenings :)
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
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