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Overpayment Addict
Comments
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Oops I hit send by accident:rotfl:
Anyway so out of my budget I am pleased to say I have £28.33 left :T:T:T this is money that I could have easily spent on stuff that I didn't need so I'm glad there's some left even if it is only £28.33
So can add that to this months overpayment pot. We did spend a lot of some things but also saved elsewhere. We stayed with friends for a few nights. Went to free events. Used Clubcard vouchers to go to theme parks. We went to legoland and another 2 theme parks too.
Also did some TT aswell and have £18.88 towards overpayment so far in August.
Ebae update: I have listed 6 things to get me going again. So hopefully get some bids in before the end of august.
Going to try and list as many things as I can tomorrow as I feel like I've lost two weeks in August but we enjoyed our holiday and spent less than I gave myself to spend so I'm happy.Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
1. Ebae earnings £0
2. Surveys/mystery shopping -
3. Interest/Cashback from 123 account - £3.53 (more on 18th)
4. Other cashback
5. Savings from weekly budget - £18.88
6. Overtime in work £0
7. Other £28.33 (£1.26 + £90 pending TCB won't count this until it's been paid)
Will also be receiving 5% of total spend using android pay in Nov for all purchases until end of Sept.!
Santander 5% regular saver will be paid in March 2018.(£64.33)
HSBC regular saver at 5% will be paid in May 2018. (£81.25)
EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
Other target £221/£221(remaining overpayment figure for this year)
New target Overpayment to be paid 1st January 2018 £358.11/£3200 (up to end of July)
Current Mortgage end date August 2027
Original Mortgage end date December 2031Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
Energy has switched so hopefully my £90 cashback will come thru soon. Also had a refund of £17.55 from old energy company. Going to use this as Overpayment money too.Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
No spend day today even tho we went to town. We won a free milkshake. Packed a lunch. Bumped into nursery friends and went to the museum which is free too so pretty good.
A few things sold on ebae too and paid for aswell so will get that ready to post on Monday.Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
Lost all motivation and focus this month... mainly cos two weeks we were on holiday... bring on September and hopefully the motivation will be back...Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
DeterminedSingleMummy wrote: »Lost all motivation and focus this month... mainly cos two weeks we were on holiday... bring on September and hopefully the motivation will be back...
Same here. Have just had enough money to cover days out with DS so nothing to OP. The sporadic weather hasn't helped either with planning.MFW - Original balance 28/08/2014 £52850Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
Balance 27/07/2016 £49990
Balance 08/07/2017 £47999
Balance 30/07/2018 £44500
Balance 01/08/2019 £40700
Balance 03/09/2020 £37619
Balance 30/09/2021 £33983
Balance 18/01/2023 £28940
Balance 06/10/2024 £22168
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I'm glad I'm not the only one bubbly crazy! Still no motivation anywhere to be found. A few things sold on ebae so that's good.
Massive changes coming soon for me... once I get my head around everything I will share it all with you. Everything is still all over the place atm. Who knows what the right choice is but I've decided what I'm doing... Will work out finances and everything else in first weeks of Sept... but things are changing and hopefully for the better
Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
1. Ebae earnings few thing but not had a chance to calculate yet
2. Surveys/mystery shopping -
3. Interest/Cashback from 123 account - £11.22
4. Other cashback!
5. Savings from weekly budget - £38.97
6. Overtime in work £49.43
7. Other £28.33 (£1.26 + £90 pending TCB won't count this until it's been paid)
Will also be receiving 5% of total spend using android pay in Nov for all purchases until end of Sept.!
Santander 5% regular saver will be paid in March 2018.(£64.33)
HSBC regular saver at 5% will be paid in May 2018. (£81.25)
EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
Other target £221/£221(remaining overpayment figure for this year)
New target Overpayment to be paid 1st January 2018 £358.11/£3200 (up to end of July)
Current Mortgage end date August 2027
Original Mortgage end date December 2031
Glad it's the end of this month soon... feel like I've had no motivation or focus. But it's ok as I didn't overspend so all is good.
So far for the month is £88.98 which is still good since we've been on holiday. New month in a few days tho Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
Still Not totalled up August ebae items yet. So will post a full summary when I get round to it.
Just checked mortgage interest and it's gone down to £81.99
The rest of the months are
Jan £95.78
Feb £95.19
March £93.71
April £90.09
May £86.44
June £83.78!
July £82.60
August £81.99
Mortgage balance is now £48701 Balance at start of mortgage Dec 2011 £87500
1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £57750 -
Looks great - love seeing all those bits adding up fast xStarted my MFW journey in August 14 : £103,650
2019 : £77,9000
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