I Want To Be Mortgage Free!

FloppyDisk

Well done on another milestone. It always feels like such a cheat when you manage go get it to a nice number only for interest to sneak it up again.

Jessy103

Well something great happened this week, I got a PPI Payout from my bank! Unfortunately not life changing but I'm not going to turn my nose up at £244! I'm just waiting for the monthly interest to be added onto the mortgage and then I will make the appropriate overpayment.

DH has been working late at work this past week and has been taking advantage of the work canteen. He pays £8 a month and usually has a sandwich or jacket potato and then a cooked meal with me when he gets home but because he has been working late he has been having a cooked meal at work and then beans on toast or a sandwich when he gets home. I've just been cooking my own tea. It seems to be working well because we haven't had a takeaway all week! I've asked him if he should carry this on for a month or so as a trial period to see if it saves us money on the shopping. I mean I can't buy a months worth of meals for £8!

Enjoy the rest of your weekend!
Jess x

themadvix

Great news on both counts there Jess! They are truly bargainous work meals for DH!

Jessy103

Checked the mortgage this morning and the interest had been added on which made the total £58,819.23. I made an overpayment of £319.23 to round it down to £58,500.

Looking at the targets for this year I've gone for £5000 again in overpayments and I would like to save £5000 for the emergency fund. We're already at £2000 for the emergency fund so I'm hoping £5000 should be achievable.

Have a lovely day!
Jess x

themadvix

You're steaming ahead Jess!

Jessy103

Thanks MV!

Jessy103

Cashed out a £10 Tesco voucher from Valued Opinions this morning which I can use when I order the shopping next week.

I also remembered last week that I'd ordered two books from Waterstones back in June when I received a voucher for my birthday, one of the books arrived but the second one never did. When I checked my account it still said order processing. I contacted Waterstones and cancelled the order and they have sent me a £10 giftcard as a refund which I received yesterday. Going to keep hold of it for the moment as I already have a stack of books on the 'To be read' pile!

I received a Netflix voucher for Christmas which I set up and registered yesterday. We cancelled our Sky subscription after it got too expensive so we're going to have a huge film/TV fest at the weekend and make the most out of it!

Have a lovely day!
Jess x

Jessy103

The regular mortgage payment has come out today including the £50 overpayment so our new total is £58,201.81. I'm going to wait until the interest is added on on the 9th February and then hopefully make an overpayment which will take us under £58K.

The Tesco voucher I got from Valued Opinions excludes groceries which was abit annoying but I was able to use it to get a couple of new tops which I did need after having a clearout of my wardrobe.

Have a lovely day!
Jess x

Jessy103

Made an overpayment of £244.55 today which takes us to £58,100.00. This means when the normal payment comes out on the 25th we will go under £58K and stay there! I'm looking forward to crossing off another box on the chart!

Have a lovely week!
Jess x

ch4rly2002

Great stuff