All the single ladies vs 145k

sofarbehind

The final mortgage payment of 2019 has been made and I'm really pleased to have finally scraped the outstanding balance to under 120k. It's a long slog so the little milestones are important. I am really pleased with the progress I have made this year. Here is to paying off the next 10k ! Only 120k to go

beanielou

Excellent

blossomandbloom

Oh wow sofarbehind!

I too am single and in late 30s, and should be completing on my apartment tomorrow - and moving Wednesday! I have lofty goals to pay it off in 17 years (and not the 29 the term currently is...the thought alone is terrifying) and also Sept 2020 to start a 3 year part time MSc to retrain!! I follow your journey with great interest and much positivity.

killerpeaty

Hi there, I have lurked in your diary for a little while and you've done amazingly.

Congrats on getting under £120k!

sofarbehind

blossomandbloom wrote: »

I too am single and in late 30s, and should be completing on my apartment tomorrow - and moving Wednesday! I have lofty goals to pay it off in 17 years (and not the 29 the term currently is...the thought alone is terrifying) and also Sept 2020 to start a 3 year part time MSc to retrain!! I follow your journey with great interest and much positivity.

Ah congratulations Blossom, buying your own place is a great achievement. You are already planning to over-pay, you will be done long before 29 years. I found it an incredibly expensive first year and didn't overpay at all for the first ten months. So cut yourself some slack for a but and enjoy the new place. It's been tough with the course too but that has definitely kept me out of the shops :rotfl: I don't know if I will always be able to keep up this level of repayment but I will do my best. Let me know how you get on - we're in a very similar position and I'd like to hear about your progress. Are you going to start a diary?

killerpeaty wrote: »

Hi there, I have lurked in your diary for a little while and you've done amazingly.

Congrats on getting under £120k!

Thanks very much KP. I feel like I'm slowly starting to see some progress and it feels good.:T Still a long, long way to go so the little milestones are important.

blossomandbloom

Thanks Sofarbehind (however, I really don't think you are that far behind at all, and ahead in many many ways!)

I think I will start a diary, reading yours and others is so motivating and it may help keep me accountable! After a hectic week, I am moved! I am currently ensconsed under a blanket on the sofa, and will just enjoy it for a day or two before looking at 2020 with fresh eyes.

sofarbehind

Happy new year everyone! I'm a bit late I know..

2019 was a difficult year personally and I have mixed feelings about it. I am really pleased with what I achieved financially. I managed to increase my overpayments a lot and couldn't realistically have done any better. I hope to manage nearly 9k in 2020! Very ambitious but I will try my best.

I still want to move but I am feeling unhappy at work so I not intending to rush into anything. I'm not far off having the costs saved so it's a realistic option but I will see how I feel and if I end up taking a paycut. Hopefully that will become clearer but I'll probably sit tight for a while. The work issues have made me glad I didn't max out the mortgage - at least I have the financial freedom to take a paycut if I need to. I am getting very attached to my little house too.

Despite a lot of terrifying health issues I somehow kept with the running. Really proud and surprised at myself My running friends have been wonderful and mentally it has been sooooo good for me. Like OPing, I think running is here to stay.

I've also kept with my course, though I had to suspend it for a sickly six months. Hopefully, hopefully I should have a masters in another 18 months..The new job has so far eluded me but to be honest I have only applied for two - I really need to address the work situation in 2020. I'm looking at short internal courses and contemplating if moving up is a possible long term alternative..

The first £747 overpayment of 2020 has been made, I'm healthy and getting ready to finally sort that work situation

ktinbrum

Hi (not)sofarbehind!

Just popping a note here after binge reading your diary & I'm so chuffed for you on all the progress you've made- you should be mega proud of yourself.

I'm another single buyer too *cue Beyonce*, slow cooker enthusiast & although I will only run from danger ( I hate running) I am a keen gym goer

Will be cheering you on this year- you'll soon be over taking me I feel

X

HotDog2020

Hi SFB, I also have just binged read your diary, congratulations on your OPS very impressive figures, I am also a single female MFW! I look forward to reading more, good luck.

sofarbehind

The second overpayment of 2020 has been made and after the next couple I will hit the 30k paid off mini milestone! Yay, I'm really excited about that, it's just over 20% of the original mortgage so it will feel like I'm finally starting to get somewhere. 

I have been a bit lacking in motivation for running over that last two months, the cold always puts me off. I didn't actually stop but I haven't been putting in anything like as many miles as I should. Managed to get back on it last week and now need to keep building back up the volume.

The work situation is something I have tried to be proactive about but a career change is still years off. I am keeping up the course and looking out for better opportunities. I have heard rumours of an interesting vacancy in my current career that should be coming up in a few months time, that is giving me hope that I will end 2020 in a different role - that is the other big mini milestone for 2020! Wish me luck..