Easter 2025 I’m coming to get you!

Jessy103

Well done, hetty, that's brilliant! 🙂

newgirly

Hi Hetty, I’ve just read your whole diary finally, I did pop in when you first started it but have not kept up. What you have achieved is amazing and even more so as you are a working single mum 🙂 we have a similar end date (I’m hoping for June 2025 but that may be very optimistic 😆) so I’ll definitely follow what you are up to. Also I think perhaps you live where I visit a lot in a northern tourist city, we actually arrived home from there yesterday, you are very lucky as it’s a great place 😬
Anyway well done on hitting your target and happy new year and good luck for 2023! 

I_Love_comps

Congratulations @Hettyhound for reaching paying off so much of your mortgage .  Good Luck in 2023

Hettyhound

Hello people, well I’ve just done a turn up for the books and taken out a remortgage deal today!  My current deal ends at midnight tonight and at lunchtime today I decide just to have a quick look to check on the current svr with my lender.  I found a 2 year tracker at 4.39% instead of 6.29.  It tracks at 0.89% above the Bank of England base rate for the 2 year with no early repayment charge and no overpayments limit.  So the catch is once the deal is up you can’t take out another deal and you go onto the svr.  No worries to me as I’m hoping to have a very short while remaining at this point and also hoping the interest rates will have sorted themselves to be less volatile at this point.  So taking out this deal is saving me £44.20 a month which will get added into my overpayment amount.  The most annoying part? I’ve had £31.14 interest added to the balance so my lovely round number of £32,500 has changed to £32,531.14 🤣

beanielou

That's a good wee deal.

savingholmes

Happy New Year. 

Good to know where you stand on your mortgage.

Hettyhound

Made an overpayment of £215 so I am now in the £31,000’s just.  My interest rate has gone up to 4.89, thanks Bank of England.  Hey ho it is what it is and it’s only money 🤦‍♀️  Re organising my budgets again 🧮

savingholmes

I'm due to be about 70 before my mortgage is that low so well done you!! I have some serious catching up to do!

Hettyhound

Hello people, long time no update 🤦‍♀️. Made an OP this morning and my mortgage has dropped out of the 30s which feels good although according to the news it looks like my mortgage will be going up yet again.  I really need to try and get control of the groceries budget, easier said than done I feel.  In other news my son is going to get a statement of education needs so I feel so much happier about his future now.  Allotment is slow as the weather is so unpredictable as to what it wants to do so I’ll just keep on plodding along with crossed fingers for a harvest at some point 🍅🥒🥬

beanielou

Great to be in the 20's.
Good news for you & your son.