Getting a mortgage and then becoming mortgage-free!

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  • themadvix
    themadvix Posts: 7,903 Forumite
    Mortgage-free Glee! Photogenic First Anniversary Name Dropper
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    I'm happy to send you a copy of my OP spreadsheet - it tells you the interest saved, among many other things (I can't take any credit for it though - found it online and DH has added a few bits!). Let me know if you'd like it.
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • ch4rly2002
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    Would you mind sending it to me as well please Vix?
    Mortgage: Mar 2018 -£300,000 / Jul 2021 -£255,000
    Student Loan: March 2011 -£18,275.04 / Jul 2021 -£10,425.28
    Joint Savings: Aim £13.5k. Dec 2016 £1,700 / Jul 2021 £36,600
    Loan to In-Laws: Sep 2010 -£48,185.82 / Apr 2019 £0
    Car Loan: Sep 2018 -£16,265 / Apr 2019 £0
    Credit Card 0%: Nov 2016 -£4,500 / Apr 2019 £0
  • Kittenkirst
    Kittenkirst Posts: 2,563 Forumite
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    Yes please That would be fantastical!

    Thank you!
    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: 2,563 Forumite
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    IKEA trip is a go on Sunday to go and sort out shelving and a desk for the silversmithing room! Wooooooop

    The plan is to buy the following:
    -sofa bed
    -two shelving units
    -table top for between the shelves
    -boxes for storage on the shelving
    -doors for the lower shelves
    -bathroom cabinet for en suite
    -bathroom hooks for en suite
    -rug

    So it's going to be a costly trip :eek:

    Friends are now coming over tonight for dinner last minute so think we re going to have takeout double eeek :eek:

    £475 put into savings today and transferred money into the bills accounts. Also raised an expenses claim for this week so money's back in my purse quicker.

    Other than some surveys and checking free postcode lottery there's not a lot of mfw activity at the mo :(
    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!!!!!!
  • Busy_Mee1
    Busy_Mee1 Posts: 1,015 Forumite
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    You forgot tea lights off your list for IKEA - everyone buys tea lights from IKEA when they go. I think it is the law !
    Seriously you are making great progress I have really been enjoying following your diary. Have a great weekend : )
  • CathT
    CathT Posts: 7,115 Forumite
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    Great savings amount. We have started a car boot sale pile too, think we were motivated by a rare day off together sorting the house and Spring like weather!
    Apr 2024 - part 1 - £30,337 part 2 - £24,811 Total - £55,148 43 months to go!
  • Kittenkirst
    Kittenkirst Posts: 2,563 Forumite
    Photogenic Name Dropper First Anniversary First Post
    edited 17 February 2017 at 6:48PM
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    Of course how silly of me!! Some candles will be purchased I'm sure, and a cinnamon roll.

    Thanks for the cheering on BusyMee and CathT :D

    Finally had a prolific survey for 60p just now and 75p across some surveys on onepoll...slow but sure!
    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: 2,563 Forumite
    Photogenic Name Dropper First Anniversary First Post
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    Im currently unable to sleep having the start of a head cold- boo! Noticed I'm pretty sickly at the moment despite the exercise multi vuts & good eating! So I'm on the sofa in a blanket, cold & flu tablets tissue & revenge boxset on the tv.

    Weekend so far has been lovely, friends over until late on Friday £17 spent on takeout (81p cashback!) and went to see my brother yesterday- took him out to a local park and then we all had chippie late lunch (£16 spent). Then popped over to a friends new house whilst we were back in my hometown (it's 1.5hrs away you see) and took them a cake from a local farm shop and had a catch up.

    So far a lovely but speedy weekend :)

    A further £5.47 has confirmed on £co so I've quickly withdrawn it to OP this week and the EBay sales are ending today and 5 items will sell (a hoodie already sold on Friday) so hoping we'll end up with another £40 this week on the Bay!

    Just off to check for any surveys- may as well try to benefit from being up so early :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!!!!!!
  • Kittenkirst
    Kittenkirst Posts: 2,563 Forumite
    Photogenic Name Dropper First Anniversary First Post
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    Decided to shuffle lots of the money and OP today :money: whilst awaiting the funds clearing from various places I have moved £12 across made up of:

    :A £3 pinecone payment for survey this week
    :A £2.80 cashback from £co (£2.2 insurance comparison site & M&S dressing gown bought in the sale
    :A £5.47 cashback from £co for Download festival tickets
    :A £0.73 to 'save the change' from the bills acoount

    Mortgage payment should clear tomorrow and we'll OP the rounded up figure across too...tempted to send it today but will sit on my hands!
    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!!!!!!
  • atypicalblonde
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    Really hope the head-cold doesn't develop into anything too rotten. You will need a nana nap later :D xx
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
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