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Mortgage free ASAP

in Mortgage-free wannabe
157 replies 22.7K views
145791016

Replies

  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    Thanks Andy,

    DS is enjoying school and looks so grown up in his uniform.
    We've adapted to a new morning routine really well.

    I've just checked my emails and I have an interview on Friday for the job I applied for in July :j
    It's an extra 10 hours per week and would work alongside the job I already do, its for the same company. So I may not have as much free time as I thought! The extra money would definitely come in handy and would mean I would look at opening an S&S ISA. Trying not to get my hopes up too much though.
    MFW - Original balance 28/08/2014 £52850
    Original 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
  • Good luck for your interview!! My DD enjoys school so much too! I think at reception age they still teach by playing rather than learning like we used to when we were little. X
    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
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    Thanks DSM, good luck for your first day tomorrow!
    Yes when I ask him what he's done he says played with the cars, at least it means no homework yet!
    MFW - Original balance 28/08/2014 £52850
    Original 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
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    I find out this week if I passed the clerical test I took on Friday, so I'm constantly refreshing my emails! I'm really not sure how well I did as there were 6 parts, most were fine but one was awful. It's also a 70% pass rate.

    Last week I came under budget by £18.20 and had £1 left from my mobile budget, so I've OP'd £19.20.
    My weekly budget is definitely more achievable now that the holidays are over. Not only with DS off school, but with my different hours at work, my boyfriend and I were eating out much more.
    I'm going to put more money aside next summer for entertainment.

    I'm busy updating my SOA for October, just waiting to find out what my new bill will be for gas and elec as I've just switched tariff.
    MFW - Original balance 28/08/2014 £52850
    Original 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
  • Good luck with your test thing and with the new SOA!!
  • maia_evomaia_evo Forumite
    79 Posts
    Third Anniversary
    Forumite
    I'm going to put more money aside next summer for entertainment.
    .

    That is a good idea. A bit like saving up for a holiday.
    Take care of the here and now and the future will be taken care of.
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    Thanks Betterthanever - I have no idea who you used to be on here from the clues!
    Exactly maia, then I won't feel like I'm freaking out at the price of entrance fees to everywhere!
    MFW - Original balance 28/08/2014 £52850
    Original 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
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    My tax credits have went in so £40 has went to the holiday fund, £40 towards days out with DS, and £107.37 mortgage OP :j

    I've opened a Nationwide account so will hopefully receive £100 for switching.

    Still waiting to find out the result of the clerical test assessment!
    MFW - Original balance 28/08/2014 £52850
    Original 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
  • bubblycrazybubblycrazy Forumite
    288 Posts
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite
    Passed the clerical test! :j:j
    Now have an interview on the 2nd October. Still trying to keep my hopes down but it would be great if I got it.

    NSD today, taking DS swimming tomorrow so will be spending then.
    MFW - Original balance 28/08/2014 £52850
    Original 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
  • Congratulations
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
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