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BachSoon's mortgage mission

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Comments

  • BachSoon
    BachSoon Posts: 172 Forumite
    Perks of a train commute :rotfl:

    Well it's been a good couple of survey days on prolific and Qmee, so a £12 overpayment made this morning - half from prolific and half from Qmee. Still £4ish to be authorised in prolific, but felt like cashing out what I did have would help make the day more tolerable after being up with a sick toddler for a few hours :(

    :coffee: some strong tea [STRIKE] life juice [/STRIKE] needed when I get into the office I think.
  • savingholmes
    savingholmes Posts: 29,001 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    do you have a referral code for Qmee?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Nichelette
    Nichelette Posts: 2,136 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope you made it through the day okay. I can't survive without coffee and that's without kids :o.
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £192,586.98/CENTER]
    Overpayments since 27.03.19: £52,407.47
  • BachSoon
    BachSoon Posts: 172 Forumite
    http://qm.ee/B3K242Q7ICUCU here you go savingholmes

    I did thanks nichelette, just about. Was kept busy at work, then flopped on the sofa when I got home/put little Bach to bed and let DH make the tea :rotfl:
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    How do you find qmee? I tried pbase for a bit, but got so frustrated with screening out after 5 mins!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • BachSoon
    BachSoon Posts: 172 Forumite
    I really like it. You can get screened out fairly often, but equally I seem to have a good run of a few days. The surveys pay reasonably well and you can cash out any amount :money:
  • BachSoon
    BachSoon Posts: 172 Forumite
    £266 in overpayments made this month which I'm pleased about. This morning I managed to pull together £20 to finish the month off. £14 of it was surveys, an even split between prolific and Qmee, then topped it up with £6 from the current account... Because why not :rotfl:
    That's £13 of interest saved in the long run :money::T
    I was hoping for a little more, but took a more careful approach, adding to our savings instead. We also booked and paid the deposit on a holiday next summer, or it would be a long 23 years :rotfl:

    An overpayment is definitely a good way to perk myself up after being up in the night with a teething toddler. As is coffee :D
  • BachSoon
    BachSoon Posts: 172 Forumite
    :money:Ooh. I also have a head start on next month's op's by £12. I put in 3 delay repay claims after the trains chaos of last week, two have been approved at £6.07, with one still to go, although I think it will be a lower amount. The alternative journey didn't cost me anything as train passes are accepted on the buses when disruption is that major :money: it took roughly forever though and doubled my journey time :eek: fortunately I had suspected what would happen and kept an eye on the website and my boss let me leave early so I just got back in time for nursery!
  • teapot2
    teapot2 Posts: 3,556 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on the op'ing. Hope the teething is soon done with :D
  • BachSoon
    BachSoon Posts: 172 Forumite
    Thanks teapot2, the two molars seem to have broken through so hopefully it's uphill from here, until the next set :eek:

    A small OP of £12.50 today to finish the week/ begin August :D 6.50 was from Qmee after a nice few days and £6 from a delay repay claim :money: I used to have to buy an alternative ticket from work city to town near home city and get a lift or taxi if the train was off. Now a bus service had been started from work city to home city that takes train passes when the trains are cancelled :money: :beer: (although it's less convenient than the train so hopefully it won't happen too often :rotfl:

    My overpayment today has saved me £8 in interest in the long run :beer:
    Also, August's regular payment took me nicely into the £213ks :beer::beer:

    Cashed out from onepoll last week or the week before, so there should be a nice £25 winging it's way to the mortgage soon:money:
    Happy Friday!:beer:
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