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Jessy103

Thanks all x

Well, I've done it! I made an overpayment of £1000 today and the new balance is £36,800! 😀

I've made a total of £5,512.02 in overpayments for 2023 and as I've paid £1000 my monthly direct debit will go from £264.07 down to £211.89. This is fine as the amount saved will just go towards overpayment. I'm really proud of myself as I've done this on top of paying my share of our wedding this year. 

My target for next year will be to overpay £500 per month, so £6k in total. My fixed rate is also up in June, so as my LTV has improved, I'm hoping for a decent deal on a new fixed rate. I'm going to look at a 5 year one, as this will cover me until the mortgage is all paid off 🙂 The thought of paying it off is getting me super excited and spurring me on! 

We went at 8am to morrisons this morning and it was lovely and quiet. We got everything needed and it will keep us going until new year. £130 spent but £20 of that was an Amazon voucher for my dad. I just need to get all my wrapping done now 🙂

Hettyhound

Well done!  What a lovely start to 2024 🎄

Jessy103

Thanks Hetty! 🙂

A nice quiet day today as I'm still not feeling 100% from covid. We just wrapped all the presents, so they're all ready to go to my family Christmas day and DH's family on boxing day. We've only bought one roll of wrapping paper this year as I have used the brown paper you get in Amazon parcels with some nice ribbon to wrap mine and gift bags I've been collecting over the past few years. Trying to recycle as well as saving money. 

I've also cashed out paypal money from survey sites mingle and ipsos. Getting there with norstat and onepoll. As I made such a large op, I need to make sure I get as much as I can from these to keep me topped up over January. The rest of our holiday needs to be paid off in March, so I need to make sure we have that ready too.

LadyWithAPlan

Well done on the OPs and what a lovely start to 2024
 hopefully you will recover from Covid fully soon - 

themadvix

Hope you’re feeling better soon Jessy, although I think I’m still not 100% three weeks on.

 Well done on the OPs this year, you’ve done brilliantly!

 Have a wonderful Christmas! Love your reuse of Amazon paper 😊

Cheery_Daff

Fantastic work on the overpayments! 😃 and yes, with a five year fix the end must feel in sight,  how very exciting! 🥳

Jessy103

Thank you for the lovely comments 🙂

Merry Christmas and I hope you all had a lovely day! Ours was nice and quiet. We got up, walked the dogs, saw my parents, grandad and 2 out of 3 nephews, then came home and I cooked dinner and then had a nice chill afternoon. Starting to feel a bit better now, which is just as well, as we have to drive to Suffolk tomorrow to visit DH's son and family. I might just use feeling unwell as an excuse to go have a lie down and get away from the MIL depending on whether she's in a friendly mood or not! Although she has been a bit nicer since the wedding, so that's something! 😂

Jessy103

Survived the in-laws! They were very nice, so maybe I've finally won them round 😂 They bought us an air fryer and an air fryer cookbook, so we can finally see what all the fuss is about. I used it this evening to reheat my quorn roast and it did a very good job. I'm hoping between the air fryer and the slow cooker, we won't need the oven on much and will save some money on the electric bill. 
We also had a lovely walk on the beach with the dogs which was really nice. I did end up crashing at 7:30pm and going to bed though. I'm still feeling quite rough and it has been 2 weeks since first testing positive for covid, so I think I'm with vix and it may take another couple of weeks to get back to normal.

I took a few of the Christmas decorations down today when we got home and will tackle the tree tomorrow. I want to be done by the weekend, so we can enjoy the last few days without doing a lot before going back to work. 

I've cashed out £5 from swagbucks today and I'm dog sitting for my parents on the 29th and overnight while they're at a wedding, so I think they'll leave me a little something. 

Now going to have a nice hot bath with some of my Christmas smellies! 

South_coast

Well done for breaking the in-laws 😀😀😀! Glad you had a good Christmas, looking forward to seeing more mortgage-busting in 2024!

themadvix

Take care Jessy - it definitely takes it out of you!