FinancialBliss: My mortgage free journey…

financialbliss

Hi all,

Just a quick note to say I’m now finished work for the year (back on 2nd January), so hopefully, I’ll attempt to get back into a regular-ish diary habit during my break.

Mortgage interest today for 2008 is 2,995.65 – will break through 3k tomorrow, ie Christmas Eve, as I think I previously reported.

Total mortgage balance today is 59,438.87. I’m expecting to make a final small overpayment early next week of… wait for it… something in the region of one pound and 10 pence.

This should bring the mortgage to a nice round year end total of 59,500.00

Financial Bliss.

Kaz2904

And there goes your financial OCD again!
Round numbers are nicer though aren't they!
Merry Christmas to you and your's, ttfn, Kaz.

StuartGMC

FB, good to hear from you again. Well done on this year's achievement.

Enjoy the break with the family.

financialbliss

Kaz2904 wrote: »

And there goes your financial OCD again!
Round numbers are nicer though aren't they!
Merry Christmas to you and your's, ttfn, Kaz.

Hi Kaz,

I've been staring at the screen for a while. OCD? OCD? What the hell is OCD? If you can appreciate that I'm from an IT background, my small brain immediately engaged into IT related TLAs (three letter acronyms ) to look for a solution!

In the style of Jeremy Clarkson : "I was on the internet today and found this:"

http://acronyms.thefreedictionary.com/OCD

which is an interesting acronyms site. Penny dropped evenutally - it's been a really, really long day - not one for right now, but I'm guessing you're referring to my Obsessive Compulsive Disorder.

I've never in previous years attempted to end the year on a round mortgage amount, but I guess you could refer to my mortgage interest tracking as being bordering on the obsessive :rotfl:


As for Christmas, we're all done and the little 'uns and Mrs Bliss have already turned in for the evening - I'm going to do the same shortly.

Just before I do, I'd like to wish everyone who follows this diary - as either a lurker, occasional or regular poster a very Merry Christmas.

:xmassign::xmassign::xmassign::xmassign::xmassign::xmassign::xmassign::xmassign:


Have a great Christmas day...

Financial Bliss.

Kaz2904

We can't go to bed until the kids have stopped coughing for long enough for Santa to visit. Hence sitting watching gash on telly.

:xmassign: :xmastree: :santa2: :xmassmile :snow_laug :rudolf: :snow_grin :dance: !

JonnyBravo

Kaz2904 wrote: »

We can't go to bed until the kids have stopped coughing for long enough for Santa to visit. Hence sitting watching gash on telly

:eek:

I guess it's just round here that has a different meaning then??

:rotfl:

Belated Xmas wishes to all anyhow. Have a good New Year too!

taka

JonnyBravo wrote: »

:eek:

I guess it's just round here that has a different meaning then??

:rotfl:

:eek: Ummm... it has more than one meaning here too ... :eek: :rotfl:

Kaz2904

I must be really naive! It just means rubbish to me. I ought to google all the silly little sayings I use.

financialbliss

It’s funny how you say one thing “I’m now finished work for the year… so hopefully, I’ll attempt to get back into a regular-ish diary habit during my break” and exactly the opposite occurs. More about that later.

The mortgage. Today, it stands at 59,485.54. I’ve estimated that I’ll get charged 15.55 for the remainder of the year in interest – gives 59,501.09, thus I’ve just made an overpayment by 1.09 which should drop the mortgage to a round 59,500.00 by 31st December.

I’ve a Nationwide currently account and previously, when you do a transfer to the mortgage their screen shows “This payment will clear in 2-3 working days”. Just done the transfer and it showed “This payment will clear in 1-2 working days”. Don’t know if that’s a side effect of faster payments perhaps.

I’ll update the graphs and give a final interest charged breakdown for the year on 31st December.

Financial Bliss.

Mumto5

JonnyBravo wrote: »

:eek:

I guess it's just round here that has a different meaning then??

:rotfl:

As a mother of many I would put you over my knee and wash your mind out!;)

Happy new year everyone!