Easter 2025 I’m coming to get you!

savingholmes

Some great diy skills there. Must admit I avoid drills. Well done on the budgeting too. Sounds Like you are getting a lot done during your break. 

South_coast

Great work on the DIY 😀

Hettyhound

Just looking at my title and it struck me that it’s now only 4 years away 😱. Not sure I’ll make it by Easter 2025 but won’t be too far off.  Plan at moment is to try and get to £30k  in time for remortgage on 1/1/23 when I plan to go onto standard rate to be able to chuck as many overpayments at it as possible.  So I should remortgage on £30k over the “remaining” 9 years which will reduce the monthly payment dramatically.  With my current payment plus my current overpayment the bank gets £830 ish per month, so based on that there maybe £800 ish a month going off the capital, so £9,600 a year.  Looking like it could be January 2026 but who knows what the future holds 🤷‍♀️

savingholmes

Whichever it ends up being - I am sure it is better than if you had never set a target. I would love to be so close to being mortgage free

Hettyhound

Made another OP of £200 bringing my April total to my £415 monthly amount.  My mortgage has dropped to under 45 and a half so that means in May it will drop to under 45.  Working on topping up my savings a bit too, bought a £100 premium bond yesterday.  Looking forward to a couple of extra days off next week to extend the bank holiday 😁

beanielou

All good then 

Jessy103

Well done on the OP, hetty! 😀

savingholmes

Well done on OP and savings.

Have fun

Hettyhound

Well my 2 days off were very wet so the new shed didn’t get painted.  I wanted to paint the panels before it’s put together so at the moment it’s lent against the side of the house under thick plastic sheeting.  Been battling with the pair of ducks that found my wildlife pond.  I have temporarily blocked the gap in the hedge where they were getting in and they haven’t been in for 4 days.  They have eaten all my oxygenator plants and knocked all the gravel to the bottom.  Ordered more plants and will have to sort it out.  Managed to get a lovely 1950s/60s double wardrobe from the Community Furniture Store for £75 and its coming next Friday.  My boy doesn’t have a wardrobe and now he’s bigger all his stuff won’t fit in the drawers.  It’s a surprise for him.  Managed to pay another £200 off the mortgage so when my DD goes out next week I’ll be in the 44s.  Considering saving and then paying larger amount off at longer intervals.  Probably no difference in interest savings but variety is the spice of life they do say!

savingholmes

LOL at ducks. Wardrobe sounds good. Well done on OP