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Pay off my mortgage in 5 years

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  • TeamPlum
    TeamPlum Posts: 213 Forumite
    Wow, that's impressive - as a northerner all you hear is how expensive London houses are - so well done for being so ahead of the curve!


    Now, down to the serious business - have you got any stories about horrible celebrities, from your career in showbiz? ;)
  • buzzyzoe
    buzzyzoe Posts: 477 Forumite
    Eighth Anniversary 100 Posts Combo Breaker I've been Money Tipped!
    TeamPlum wrote: »
    Wow, that's impressive - as a northerner all you hear is how expensive London houses are - so well done for being so ahead of the curve!


    Now, down to the serious business - have you got any stories about horrible celebrities, from your career in showbiz? ;)

    Should probably point out that London houses are very expensive, hence my one bed flat :p BUT it is a lovely one bed flat that I love.

    I have got quite a few stories about horrible celebrities actually but considering that I would like to stay in the industry for a good few years, I probably shouldn't tell any of them :rotfl:

    As far as nicest celebrities, Mary Berry is definitely up there
    Mortgage received 21/12/2018
    Mortgage at start - £261,980
    Current mortgage - £260,276
    Saving towards a loft conversion first, then to smash the mortgage down!
  • buzzyzoe
    buzzyzoe Posts: 477 Forumite
    Eighth Anniversary 100 Posts Combo Breaker I've been Money Tipped!
    Feeling a little bit rubbish today.

    Had an unexpected bill from my property management company for a fire inspection. Frustrating as it wipes out a lot of the savings I've made this month from coupons and cashback, which I was looking forward to overpaying.

    Although yesterdays bargain of the day did cheer me up a bit - a cheesy bread thing to go with our spaghetti bolognese from Tesco, £1.30 reduced to 12p! I actually worked out the total cost of the meal and it made me pretty happy.
    Spaghetti - Free with coupon
    Bolognese sauce - Free with coupon
    Quorn mince - 98p with coupon for 2 dinners worth, so 49p
    Cheesy bread - 12p with RTC sticker
    Cheese - 350g block £1 with coupon, probably used 10ps worth
    Total for meal: 71p!

    Pretty pleased with that :)

    If anyone's got any motivational words for the day then throw them at me!
    Mortgage received 21/12/2018
    Mortgage at start - £261,980
    Current mortgage - £260,276
    Saving towards a loft conversion first, then to smash the mortgage down!
  • Hi buzzyzoe

    To work out interest saved, do the following:

    1. Go on MSE's Overpayment Calculator
    2. Insert debt, term and rate
    3. Insert 0 in "re-occurring overpayment"
    4. Insert £100 (or any amount) into "one-off overpayment".

    That should give you a bit of extra motivation.

    If you are London based you are doing very well to have such a low mortgage! You must have saved a massive deposit.

    Gen_Y
    MFW! Original loan (Aug 2015) = £65000
    Current debt = £43000
    Interest saved so far = £13930
  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Firstly well done on the YS items and the cheap meal :T:T:T:T

    DD renting in London, she just moved there before Xmas :eek::eek:

    At 25 you are doing amazing especially for London so keep at it

    If you want to play then try

    http://www.whatsthecost.com/snowball.aspx

    :T:T:T
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • buzzyzoe
    buzzyzoe Posts: 477 Forumite
    Eighth Anniversary 100 Posts Combo Breaker I've been Money Tipped!
    Thanks for your nice words Gen and Sue - you have cheered me up!

    I'm glad it's Friday although Friday is not as an exciting as it used to be knowing I have to do work on Saturday as well. But don't think there's too much to be done tomorrow so hopefully should be able to have a bit of a weekend this week!

    Bargain of the week: £50 worth of cleaning products and storecupboard bits and bobs from Ocado, with a Wowcher deal to get £50 worth of shopping for £35 I only paid £35 and I should get about £30 worth of cashback back! So quite excited for that to be delivered tonight :D
    Mortgage received 21/12/2018
    Mortgage at start - £261,980
    Current mortgage - £260,276
    Saving towards a loft conversion first, then to smash the mortgage down!
  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So that's £50 of shopping for £5 :T:T:T:T
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • buzzyzoe
    buzzyzoe Posts: 477 Forumite
    Eighth Anniversary 100 Posts Combo Breaker I've been Money Tipped!
    Hi buzzyzoe

    To work out interest saved, do the following:

    1. Go on MSE's Overpayment Calculator
    2. Insert debt, term and rate
    3. Insert 0 in "re-occurring overpayment"
    4. Insert £100 (or any amount) into "one-off overpayment".

    That should give you a bit of extra motivation.

    If you are London based you are doing very well to have such a low mortgage! You must have saved a massive deposit.

    Gen_Y

    Every time I overpay £100 I'm saving £138 in interest! That is very nice to know :D
    Mortgage received 21/12/2018
    Mortgage at start - £261,980
    Current mortgage - £260,276
    Saving towards a loft conversion first, then to smash the mortgage down!
  • Well done on your savvy shopping :)
  • buzzyzoe
    buzzyzoe Posts: 477 Forumite
    Eighth Anniversary 100 Posts Combo Breaker I've been Money Tipped!
    Bit of a mixed moneysaving weekend. Got a Dominos on Friday but used a 50% off code so it cost £15 and it did 3 meals so could have been worse. Did a big coupon shop on Saturday spending about £5 on about £25 worth of stuff. And cashed in some rewards from survey sites etc.

    I've had about £50 of payments in over the last few days, from cashback apps, Paypal and cheques so technically made money overall this weekend! Can't wait for payday so I can make my overpayments
    Mortgage received 21/12/2018
    Mortgage at start - £261,980
    Current mortgage - £260,276
    Saving towards a loft conversion first, then to smash the mortgage down!
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