Easter 2025 I’m coming to get you!

savingholmes · 18 October at 10:48AM

Well done on the OP.

Hettyhound · 23 October at 7:56AM

Morning everyone. Just made an overpayment of £50 which leaves my mortgage at £17,749. I've exceeded the overpayment target I set of £2,000 in OPs for the year which I'm very happy about. My Sealed Pot for Christmas pressies was opened yesterday and I was happy to have saved £660. I've just submitted an update for the MFiT challenge and I've cleared approx 19% of the challenge amount. At the start of this challenge in January 25 I had £20,930 to pay off to clear the mortgage; so far in the 9 months the 3 year challenge has been running I've cleared £4,181 which I'm very happy about. I went back to using cash for groceries this month. I shopped yesterday for the upcoming week and do still have a bit of cash left in the purse. It is half term next week and I've got another 8 days to payday but I think we might just eek it out. Any cash left in the purse will be put into the next sealed pot and money left in the bank will be savings and mortgage. I will try very hard not to let half term and my son sabotage my plans!

carboot_karaoke · 23 October at 11:18AM

Well done on your excellent progress 😊

Jessy103 · 23 October at 8:14PM

Awesome work, hetty! x

greent · 27 October at 5:31PM

Fabulous progress hetty!

Hope half term goes well and doesn't de-rail your funds too much!

CrazyBee787 · 27 October at 6:12PM

Well done on getting the mortgage down, you are doing really well. Keep it upXX

Hettyhound · 2 November at 6:33AM

Made an overpayment of £130 yesterday so mortgage is now £17,599. I now have 2 years to reach my 3rd target of getting rid of it by the time I’m 60. First one was by the time my son left primary school, then Easter 2025 and now it’s by my 60th birthday so October 2027. I’ve roughly calculated it needs about £600 off per month as a target and then I should be able to clear the end balance with some savings. At the moment once my mortgage payment clears minus the interest that takes about £220 off the balance so there’s £380 to find! A heck of a stretch on a single not very much salary with a child to support but I’m very determined.

Hettyhound · 3 November at 9:40PM

Made an overpayment of £100 so balance is now £17,499 😁

beanielou · 3 November at 9:55PM

Excellent. 🤩

Hettyhound · 7 November at 1:13PM

Just made an overpayment of £40 which was a bit of Prolific money, some cash bags I'd put in the post office from the Sealed Pot challenge and a TT of 2 bank accounts. We are going to the theatre tomorrow afternoon to see Matilda. Unfortunately the direct train isn't running due to engineering works but I wasn't prepared to pay £20 for us to sit on a bus replacement service for half of the journey. I lived for several years near one of the local line train stations about 20 mins outside Bradford so I've booked tickets from there (total of £5) and there is a free (yes!) train station car park. Its about an hour and 15 mins drive from where we live now so we will drive across late morning. I've got a meal deal for us to eat before we get on the train and some sweets to take with us, also the obligatory frozen pizza for when we get home about 7:45pm. All in all it should be a fairly cheap day out (apart from the theatre tickets which were bought ages ago). I even won a £5 e gift card on the postcode lottery so 2 x meal deals have cost me £2.70. I've started thinking about buying Christmas pressies. I've been recommended a place that sells 2nd hand XBox consoles that come with a 5 year warranty, which is what he wants for Christmas. Honestly wading through all the complexity of different console models, controllers and discs (with backward compatibility which apparently is a thing) has taken more mental capacity than I'm really willing to give it! He knows he won't be getting much else and it will certainly be easier to hide than the mountain bike he got last year.