Overpayment Addict

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1235725

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  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
    edited 16 April 2017 at 7:17PM
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    Quick update!

    Just checked my mortgage account online and the term remaining is 10 years and 8 months :) which is DEC 2027. Original end date when i took out the mortgage was 2031.
    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 £5775
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Well done on your progress so far. Will subscribe - your OP's are great, well done!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • ch4rly2002
    ch4rly2002 Posts: 460 Forumite
    First Anniversary First Post Energy Saving Champion
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    Wow, DSM, that's great news. Well done on the sales, but even more so on having the idea of writing to the company and getting a 30% off discount code.
    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
  • DeterminedSingleMummy
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    Yep and my order has been shipped today!! Yay! And to think I wasted so many weeks trying to find a voucher code or a way around buying it discounted! I will Def recommend asking for a discount for expensive products. I didn't even have to try all I said was basically I love their products and I'm thinking of buying another one is there any way they could offer me a discount... then an email came back 24 hours later 30% off!

    Enjoyed the sunshine today and took DD to the beach with my parents so they treated her with ice cream and MacDs and I managed to womble lots of free food monopoly wins that were just left on the table :) well 5 to be exact!

    15 eBae items listed atm... I need to get more listed when I have a proper clear out of everything! This is the bit that I always put off deciding whether I need it or not. (I'm a hoarder) anyone got any good tips on how to get motivated in getting rid of my junk?
    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 £5775
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Well done on the discount code, that's great!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • NewMeNewLife
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    Hi :wave:

    Just read your diary and it's so inspirational! I love the idea of stoozing, but I've been so bad with credit cards in the past that I wouldn't trust myself to do it :o

    I've subscribed to your thread! Good luck!:beer:
    Emergency Fund: £300 / £1,000 (30%).
  • DeterminedSingleMummy
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    So I rang up my new energy company and they have cancelled the incorrect address and set me up with a new one so u don't think my cash back will go thru... :( oh well... it'll still save me approx £130 a year anyway... but my cashback for my new credit balance transfer credit card has been confirmed! So that's an extra £30 towards the overpayment when I withdraw it.

    Starting doing some surveys and mystery shopping again (well I intend to do some lol) so far I've earnt 50p.

    I'm finding it hard to focus on ebae when the weather is so nice outside. Only 1 bid aswell for my 15 active items... hopefully there'll be a lot of last minute bids so u can shift at least 5 of the items...
    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 £5775
  • DeterminedSingleMummy
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    Ebae update: just worked out how much money I made after fees taken off and so far in April I've made £52.71 and 9 less items cluttering the house. Another 2 sold last night but havnt added that on yet as I won't be able to post until Tuesdays.

    MS/Surveys update: £5.50 earnt and withdrawn too. I think in future I will withdraw the earnings maybe twice a month so it's easier to track. I will hopefully be doing a lot more of these in the next few weeks whenever I can fit it around my daily life.

    Cashback update: recently figured out my CC has a "my offers section" however u have to go into the offers and select them to earn the % shown. Earnt £20.94 by simply selecting "activate offer" And shopping as I normally would... this won't be paid until 31/5.

    My nieces birthday today so going out with parents and sister so will hopefully be a no spend day for myself :)

    Hope everyone enjoys the long weekend (or earning more than single time if working the BH days...)
    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 £5775
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Just keep relisting the items on fleabay - Some of mine have taken months but I just keep relisting so can kind of forget about them.

    Wondering if my CC has an offer section now! My current card used to! great fleabay sales!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • DeterminedSingleMummy
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    So ebae has a max £1 fee this weekend and I have just listed another 10 items so 24 active items right now!! 5 of them end tomorrow so fingers crossed! Hopefully I'll have some time tomorrow to list some more things to take advantage of the £1 max fee.

    Pretty good day for freebies today! Went to a toy shop and did an Easter hunt with DD and got a free Easter egg (medium size)

    Then we went to a supermarket to pick up some bits before my coupons ran out. My £20 shop came to £8 after all coupons were scanned and while we were there DD did some Easter crafts and painted an egg. Got rewarded with a little bag of Haribo and a bunny balloon.

    Did two mystery shops before going into town, wont be able to withdraw the money for atleast 10 days i think. But that's an extra £10 towards the overpayment when I withdraw it.

    Free bunny face paint and bunny ears headband and Easter activity in the shopping centre and took part in their Easter hunt which we for 4 little mini chocolate eggs. Gave our details to sign up for activities and events and got a free creme egg.
    Another egg hunt in a department store which we got 5 mini chocolate eggs.

    DD managed to somehow get a free chocolate egg whilst I was browsing some make up in the shop.

    While in town i took DD to the lego store to buy a mini figure which i promised she would get if she was good and walked without moaning ( I park our car far away so I don't have to pay a fortune for parking) so mini figure cost £2.99 and the lego shop man picked out the figure she wanted so she wouldn't be disappointed (opened so many blind bags that are duplicates) he also gave us a free mini chick that they had left over from last months mini build so for 2.99 we got a mini lego mini figure and a buildable chick :)

    I got a free Greggs coffee while DD played in the shopping centres free soft play.

    Also a lot of the places we went had free colouring for DD to do. She had a really good day today and I hardly spent any money so win win situation! And we put all the half finished colouring in my bag to bring home too and she finished them off after dinner before going to bed :)

    No idea how I'm going to entertain her in the future when she's older... wish she could stay 4 forever lol
    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 £5775
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