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Mortgage free by my own merit

edited 5 January 2019 at 10:59PM in Mortgage-Free Wannabe
117 replies 12.4K views
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  • OhtobeMortgageFreeOhtobeMortgageFree Forumite
    220 posts
    100 Posts First Anniversary
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    Thanks guys! :)

    Can anyone recommend any money saving/making/thrifty UK podcasts at all? I work nightshifts alone so get through about 8 hours of podcasts a week, minimum. I find listening to podcasts really motivating and thought provoking and I'm really determined to keep up these mortgage repayments!
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £119,116.12 Current mortgage end date: June 2038
    Total overpayments so far: £2975
    MFW 2020: £1460 / £5000
    Daily interest: £7.59 > £6.83
  • zcrat41zcrat41 Forumite
    1.6K posts
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    ✭✭✭
    Podcasts I like:
    Dave Ramsey
    Ynab
    Women's hour
    The archers
    Chernobyl
    The amazing Maya Angelou

    Did I misread a positive pg test !
  • OhtobeMortgageFreeOhtobeMortgageFree Forumite
    220 posts
    100 Posts First Anniversary
    ✭✭
    zcrat41 wrote: »
    Podcasts I like:
    Dave Ramsey
    Ynab
    Women's hour
    The archers
    Chernobyl
    The amazing Maya Angelou

    Did I misread a positive pg test !
    Perfect! Thanks. I'm mid nightshift now so will check out some of these after my break.
    And yes, currently 7 weeks pregnant. I have my first midwife appointment on Wednesday. I'm a little concerned about being able to keep up with my current jobs as the pregnancy progresses though... A 22 mile paperround and a nightshift involving lots of heavy lifting are both going to be frowned upon I'm sure. I'm not sure either will be able to offer me alternative positions during pregnancy. How do I come off there? Baby number two is making me want to pay this mortgage off even sooner (if that was possible?!) I want to spend as much time at home as possible enjoying my little family and watching them grow up.
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £119,116.12 Current mortgage end date: June 2038
    Total overpayments so far: £2975
    MFW 2020: £1460 / £5000
    Daily interest: £7.59 > £6.83
  • OhtobeMortgageFreeOhtobeMortgageFree Forumite
    220 posts
    100 Posts First Anniversary
    ✭✭
    Discovered tonight that using my staff discount card in the supermarket I work in after 9:30pm results in any food with discount stickers on, going through the till for free! It's a new thing for the store to try and save on wastage. Can only be a good thing!
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £119,116.12 Current mortgage end date: June 2038
    Total overpayments so far: £2975
    MFW 2020: £1460 / £5000
    Daily interest: £7.59 > £6.83
  • twinklietwinklie Forumite
    4.5K posts
    Part of the Furniture 1,000 Posts
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    Happy Mum Happy Baby is a good podcast.


    Congratulations on the pregnancy. I had two very different pregnancies, but I'd definitely do it all again. Get lots of photos, I wish I had more with my bump. The kids are really fascinated by a pregnant mummy.
    Daily mortgage interest Aug 20 - £15.24 Reduction in daily interest - £1.21
    % of house owned/% of mortgage paid off.
    Aug 20 - 17% /7.3%
    MFiT-T5 #13 MFW 2031/currently Oct Sept 2037
    New aim - reduce debt by £4,000 by the end of 2020. % remaining Aug 20- 72.6%
  • zcrat41zcrat41 Forumite
    1.6K posts
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    ✭✭✭
    Congratulations on the baby! I wouldn't worry too much about the heavy lifting. I'm a farmer and was so worried about lifting sheep, gates etc with my pregnancies. A fellow midwife farmer told me that my body will tell me when to stop - and it did bang on 35 weeks. I just literally couldn't do it anymore but had been fine up to that point.

    The tiredness though, that's another matter!
  • OhtobeMortgageFreeOhtobeMortgageFree Forumite
    220 posts
    100 Posts First Anniversary
    ✭✭
    twinklie wrote: »
    Happy Mum Happy Baby is a good podcast.


    Congratulations on the pregnancy. I had two very different pregnancies, but I'd definitely do it all again. Get lots of photos, I wish I had more with my bump. The kids are really fascinated by a pregnant mummy.

    Ah I love Giovanna Fletcher. I found her podcast last year and binged on it then, long before there were any thoughts of a second child!
    This pregnancy is already shaping up to be very different to my first. I really don't remember feeling quite so knackered and nauseous all the time with my first pregnancy! (Although I wasn't working night shifts and juggling life with a toddler back then! :rotfl:
    I haven't taken any bump pics yet, but will make sure I start this week!
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £119,116.12 Current mortgage end date: June 2038
    Total overpayments so far: £2975
    MFW 2020: £1460 / £5000
    Daily interest: £7.59 > £6.83
  • OhtobeMortgageFreeOhtobeMortgageFree Forumite
    220 posts
    100 Posts First Anniversary
    ✭✭
    zcrat41 wrote: »
    Congratulations on the baby! I wouldn't worry too much about the heavy lifting. I'm a farmer and was so worried about lifting sheep, gates etc with my pregnancies. A fellow midwife farmer told me that my body will tell me when to stop - and it did bang on 35 weeks. I just literally couldn't do it anymore but had been fine up to that point.

    The tiredness though, that's another matter!

    Ah that sounds hopeful then, fingers crossed! Thank you. :)
    I was in a real sedentary job before in comparison, although I continued running most days until just a few days before I had my son. But, there's a difference between being able to run for fun and needing to lift to pay the bills!
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £119,116.12 Current mortgage end date: June 2038
    Total overpayments so far: £2975
    MFW 2020: £1460 / £5000
    Daily interest: £7.59 > £6.83
  • OhtobeMortgageFreeOhtobeMortgageFree Forumite
    220 posts
    100 Posts First Anniversary
    ✭✭
    Forgot to add, - another £100 overpaid on Friday. I was hoping to be overpaying £150 most weeks but as my moderation work is still dragging on I don't think I'll be paid this month for that again. It's about £1500 in total so very frustrating that I can't apply for it yet.

    I know I should be investing some of my money to make things move along quicker and help enable me to hit my mortgage free goal sooner but I'm not really sure how or what to do. Any suggestions?! Don't get me wrong, if I carry on at the rate I have been for the past few months then we will be mortgage free 11 years early and I will be very, very happy but if things could move even faster it would be even better!
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £119,116.12 Current mortgage end date: June 2038
    Total overpayments so far: £2975
    MFW 2020: £1460 / £5000
    Daily interest: £7.59 > £6.83
  • OhtobeMortgageFreeOhtobeMortgageFree Forumite
    220 posts
    100 Posts First Anniversary
    ✭✭
    Another £150 overpaid today. I went back and forth for ages between £100 and £150 before deciding on the higher amount. I'm not sure how much disposable income we'll have available to us next year when there are two children in the family, so the more I can pay off now, the less I need to pay off then.
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £119,116.12 Current mortgage end date: June 2038
    Total overpayments so far: £2975
    MFW 2020: £1460 / £5000
    Daily interest: £7.59 > £6.83
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