First step to MFW

buttonmoon

Been a quiet month here. My standing order came out again this month so that is another £100 overpayment.�� No other over payments and my its going to be a very tight month managing my joint account. My current account is also in a not great shape. I have two months worth of expenses I will try to claim this week which should revive my current account to the tune of £200 approx.

Still waiting for my £60 cashback from my house insurance to be paid but I have an estimated date of 14/4 for payment. I have also bought wedding insurance and I have £16 tracked for that.

I need to request my online banking details from nationwide as I feel being able to go online and see the balance go down would be more motivational rather than waiting for the end of year statement

Firegirl

Welcome!!!! Work out how much you save by putting the extra £100 into your mortgage- you'll find it a real motivator.

Good luck on your journey:beer:

greent

I agree with Firegirl - playing with OPs on a spreadsheet can be so motivating! And all the little things really do add up (bits of cashback transferred the mtge, any ebay/ facebook/ gumtree sales, unexpected bonus of someone paying for something you'd budgeted for etc)


x

buttonmoon

Just realised I have £31 worth of Boots points. So I was thinking maybe I can treat myself sometime. I also have £17 of nectar points but I generally save these up and then buy stuff for the house in homebase. Last year I bought enough paint to paint the outside of my house plus a nice new shiny kitchen bin with my nectar points.

buttonmoon

Just realised I hadn't updated in ages. I have now made a total of £1,400 in overpayments and will have another £200 to go in on Saturday. Mortgage now down to £104.8k

buttonmoon

Mortgage now down to £102.7k now. Had an expensive year as got married last year and I am now expecting my first child. I am please I have continued to overpay each month. However, no extra overpayment as all spare money has been sucked up by wedding expenses, baby stuff and I changed jobs so I had to buy a car (but I didn't take out a loan as I didn't want to be stuck paying a loan on mat leave).

Silence101

Exciting stuff! Pretty good that you've managed to keep to the o/p even with all these events! Not long until you're under 100k!