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julicorn's journey
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Great achievement @julicorn and that pizza is mouth watering 😍New to all this!Mortgage balance 01/01/21 £181,400. Scheduled repayment date Aug 2036.
Target savings to overpay in 2021 £12,000
Progress to date £7105/£12,0001 -
Thank you so much @SpendingPennies
And I have to admit, I've been daydreaming about pizza ever since
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Thanks for that @julicorn. I’ll have a go on it tomorrow when or if I get an hours peace ✌️Mortgage started August 2020 £69,700
Mortgage ends Aug 2050 MFW: Aug 2027
Current Balance: £58,678
MFW2020 #156 £723.13
MFW2021 #26 £1184.71
MFW2022 #11 £197.87
MFW2023 £785
MFW 2024 £528.15Determined to make it!1 -
julicorn said:Because it's the new year, we were finally allowed to overpay our mortgage again properly... And we had enough saved up to OP 10% of the outstanding balance in one go, yay! That was exactly £12,821.35, leaving our current balance at just under £115,500
That means no further overpayments again until September, which is when our current fix runs out. Back to just saving in premium bonds, which (after 2 months with no wins) paid out £100 this month! It's been a good start to the year, in other words.
I'd also like to report back that Simon has recovered beautifully, he clearly felt all of your positive energyWe made some amazing sourdough pizzas on Friday, which were SO GOOD, genuinely some of the tastiest pizzas we have ever eaten. It's so good that it should easily replace our usual Friday night take-out pizza, so that's another moneysaving win. Here's a photo:
We baked bread this morning too which was also lovely, albeit a bit dense because heavily improvised, haha! We went out and bought like 8 different types of flour, so will be able to properly follow recipes over the next few weeks, and I'll share the results here as well if anyone's interested
Either way, have a fabulous weekend everyoneInitial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓0 -
Sistergold said:julicorn said:Because it's the new year, we were finally allowed to overpay our mortgage again properly... And we had enough saved up to OP 10% of the outstanding balance in one go, yay! That was exactly £12,821.35, leaving our current balance at just under £115,500
That means no further overpayments again until September, which is when our current fix runs out. Back to just saving in premium bonds, which (after 2 months with no wins) paid out £100 this month! It's been a good start to the year, in other words.
I'd also like to report back that Simon has recovered beautifully, he clearly felt all of your positive energyWe made some amazing sourdough pizzas on Friday, which were SO GOOD, genuinely some of the tastiest pizzas we have ever eaten. It's so good that it should easily replace our usual Friday night take-out pizza, so that's another moneysaving win. Here's a photo:
We baked bread this morning too which was also lovely, albeit a bit dense because heavily improvised, haha! We went out and bought like 8 different types of flour, so will be able to properly follow recipes over the next few weeks, and I'll share the results here as well if anyone's interested
Either way, have a fabulous weekend everyonewe've been making some really tasty bagels too.
Today I just baked 2 loafs of bread:
It's definitely a bit of an additiction, haha!
We have the week off work too, it's Mr Julicorn's birthday tomorrow. Just relaxing at home watching lots of Netflix shows, and I've restarted the Duolingo Japanese course as well which is good fun. I hope you're having a nice week too1 -
That sounds wonderful, Julicorn! Happy Birthday for tomorrow for Mr Julicorn2023: the year I get to buy a car1
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Bread looks most yummyI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Thank you both!
On the mortgage front, I've just noticed that by the end of this month, we will have reached a really big milestone - £100k paid off (if we take into account the savings pot as well at least, because we can't actually overpay the mortgage again until September).3 -
That's cracking, you're going great guns 😀!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
Awesome. Really awesomeI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2
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