2019 Mortgage-Free Wannabes

lindez

Hi All
#44 with an over payment for December £350.00 this will probably be my last one now till we commence again in 2020. Thank you so much Julicorn for all the updates you have been brilliant.
Well done everyone we have all made great progress.

Suffolk_lass

#37 my last OP I think, for December is £200. This means I have exceeded my start of year plans, without changing my target - and over the life of my mortgage I have almost £2000 interest saved by the OPs made in 2019

MrsMouse

#47 checking in with an OP of £82.00. Hoping to have another one next week to take me to my 2019 target...

WorldCitizen

#59 reporting a little OP of £30 for December.
Thanks for updating!
My new lender's account shows my mortgage amount keeps growing up every day because of % added every day. I can't watch this calmly. My previous lender added % once a month just before my payment and it was less stressful for me. Also I like round numbers, but because the amount changes every day it's impossible to keep the nice round numbers..
I don't like my spreadsheet now. This is quite inconvenient, but I know I am better off with this lender than with previous one.

greent

#18 reporting in with Oct's OP of £530.83

I've just made the target, so any OPs in Dec are a bonus - however, they will be less than usual, as we've had to pay out for some work in the BTL. Will report back in in the first couple of days of Jan


Thank you

julicorn

greent wrote: »

#18 reporting in with Oct's OP of £530.83

I've just made the target, so any OPs in Dec are a bonus - however, they will be less than usual, as we've had to pay out for some work in the BTL. Will report back in in the first couple of days of Jan


Thank you

Thank you for the update! Can I just double check if you mean November, rather than October? (I have October down as 968.79)

wishingthemortgaheaway

WorldCitizen wrote: »

#59 reporting a little OP of £30 for December.
Thanks for updating!
My new lender's account shows my mortgage amount keeps growing up every day because of % added every day. I can't watch this calmly. My previous lender added % once a month just before my payment and it was less stressful for me. Also I like round numbers, but because the amount changes every day it's impossible to keep the nice round numbers..
I don't like my spreadsheet now. This is quite inconvenient, but I know I am better off with this lender than with previous one.

Ewww, I feel for you. That does not feel like fun.

julicorn

See, I thought that's how all lenders did it, that's why I always got confused about the 'round numbers' thing :rotfl:

chocoholic_chick

Morning all

No 112 checking in with an OP of £999 for December meaning I've hit my OP target for the year :j

Have a wonderful Christmas everyone and I'm sure I'll see a lot of you over on the 2020 thread!

Suffolk_lass

WorldCitizen wrote: »

#59 reporting a little OP of £30 for December.
Thanks for updating!
My new lender's account shows my mortgage amount keeps growing up every day because of % added every day. I can't watch this calmly. My previous lender added % once a month just before my payment and it was less stressful for me. Also I like round numbers, but because the amount changes every day it's impossible to keep the nice round numbers..
I don't like my spreadsheet now. This is quite inconvenient, but I know I am better off with this lender than with previous one.

I think I would be the same - I suppose it does let you see what you are paying in (daily) interest and the difference each OP makes. It's why I look monthly and rely on the interest figure in the letter they send after each OP I make that is over £100.