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slm6002

Yay knew you could do it

beanielou

So. You have paid off £62k in 6 years. That’s so blooming amazing. Be so so proud. 🤩🤩

VintageHistorian

Congratulations Jessy, not long now!

Hettyhound

I bet you are very tempted just to chuck all savings into clearing it.  When you think about the mortgage payment plus all the overpayments you make building your savings up again using all that won’t take long.  Interest on my mortgage is still far greater than any interest I earn on my savings 🙂

Jessy103

Thanks everyone ❤️

I am very proud of what I've achieved so far and will be even more when it's finally gone! DH has told me I need to be a bit calmer on the next one, as we need to live a little as well. We shall see! 🤣

@Hettyhound I keep asking DH if he will let me have the money from his savings early (before Christmas) but he says it won't be our amazing Christmas present of being MF if he does, this makes me sulk like a toddler 🤣 

A nice relaxing day here. I've been over to see my mum, she had a fall coming out of their bathroom door last night. Thankfully dad was there and she wasn't hurt badly just a few bruises. Dad says her MS is getting worse, but she is trying to hide it from everyone and is not accepting it, always trying to do too much 😔 She's been doing some exercises but unfortunately it's not making much difference. There's not a lot I can do apart from be there for her when she needs me.

When I got home I cooked a bit of dinner, I did some roast potatoes in the air fryer for the first time and they were blooming lovely. I'll be doing them that way from now on. We've had some salad for tea and I've been playing a nice relaxing game on my laptop all afternoon whilst catching up on gogglebox. 

Feeling anxious about work tomorrow after a rotten week last week, but will put my big pants on and crack on! I have cleaning jobs every day again this week, so that will mean a nice op at the end of the week. That's what will keep me going 🙂

beanielou

Sorry about your mum. MS is horrid.A bit like CP. Bah.

daisy_1571

He's the one being a toddler 😆! 

Tell him unless there is a mathematical reason to keep savings or to keep mortgage (big bonus that you'd lose by taking savings out or big fine to pay off the mortgage) then get it paid off.  It will be fabulous to get it gone halfway through October, you'll get 2 months of saving all the extras and the mortgage payments then you can still have a lovely mortgage free Xmas. 

Having paid a large mortgage off already (plus other people's diaries confirm the same) there's not a huge fanfare, in some ways its an anticlimax at the time, you pay it off then go about normal life (just with a quiet satisfaction that you own your house).  Xmas genuinely won't be any different delaying paying it off.   Dont get me wrong, its great on the day, but the real enjoyment comes when the first month goes by and no mortgage payment comes out, then month on month your savings grow.  Thats when it all becomes more real.  After years of focus on overpaying it takes a wee while to find other things to fill the empty mental area that used to be focused every day on paying it off.

(I don't want to be a debbie downer but playing games like that perhaps suggests you and he aren't quite on exactly the same page regarding sensible financial planning, or maybe he doesn't want to put his money into your house???  Maybe just continue to pay it off yourself?   I'm maybe reading more into it since we only have your written diary, we don't actually know you.)

Also, what if another perfect house comes on the market?  You can move on it quicker if the paperwork has gone through to clear off the mortgage.  

Just saying.  Hope I've got entirely the wrong end of the stick.  Sorry to hear about your mums fall.

Dxxx

Jessy103

beanielou said:

Sorry about your mum. MS is horrid.A bit like CP. Bah.

It really is, I wish there was more I could do or say to make her feel better 😔

Jessy103

daisy_1571 said:

He's the one being a toddler 😆! 

Tell him unless there is a mathematical reason to keep savings or to keep mortgage (big bonus that you'd lose by taking savings out or big fine to pay off the mortgage) then get it paid off.  It will be fabulous to get it gone halfway through October, you'll get 2 months of saving all the extras and the mortgage payments then you can still have a lovely mortgage free Xmas. 

Having paid a large mortgage off already (plus other people's diaries confirm the same) there's not a huge fanfare, in some ways its an anticlimax at the time, you pay it off then go about normal life (just with a quiet satisfaction that you own your house).  Xmas genuinely won't be any different delaying paying it off.   Dont get me wrong, its great on the day, but the real enjoyment comes when the first month goes by and no mortgage payment comes out, then month on month your savings grow.  Thats when it all becomes more real.  After years of focus on overpaying it takes a wee while to find other things to fill the empty mental area that used to be focused every day on paying it off.

(I don't want to be a debbie downer but playing games like that perhaps suggests you and he aren't quite on exactly the same page regarding sensible financial planning, or maybe he doesn't want to put his money into your house???  Maybe just continue to pay it off yourself?   I'm maybe reading more into it since we only have your written diary, we don't actually know you.)

Also, what if another perfect house comes on the market?  You can move on it quicker if the paperwork has gone through to clear off the mortgage.  

Just saying.  Hope I've got entirely the wrong end of the stick.  Sorry to hear about your mums fall.

Dxxx

Thanks Daisy. At the moment his savings are making more each month than the interest is costing me, so I understand where he's coming from. I'm just being impatient 🤣 i don't mind waiting until Christmas really and the agreement was £7k and that when I sell this place, I will give that money back, so if he were to give me more money now, I would owe him more back 🤣

Unfortunately, even if we did pay this pay off and the perfect house come on the market, we still wouldn't be able to do anything about it as we need money for solicitors fees, a bigger deposit, money for stamp duty payment etc. Again, I just need to be more patient 🙂

Jessy103

Tuesday is done, office job followed by cleaning job. Tomorrow is DHs birthday, I got him a bottle of baileys and then we are having takeaway pizza for tea. I do have a cleaning job after office job, but DH is having his haircut after office job, so we won't get home until around the same time anyway. Very much looking forward to the pizza and it'll do us a second meal on Thursday as well. 

Another £50 knocked off the mortgage so it is now £9,900. 🙂