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With no stamp duty it would be rude not to!MFW 67 - Finally mortgage free! 💙😁2
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Gosh darn it you guys!!! Haven't you ever heard 'Do as I say, not as I do!' 😂
Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!5 -
Yeah, but where's the fun in that 😀😀😀?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
Well, it's the weekend again!
I had yesterday off work, which was lovely. Did a few jobs round the house in the morning, cleaning windows inside and out, changing bedding, cleaning and fixed a leak under the kitchen sink. Then in the afternoon streamed a new video game and got a few new subs, so I'm working my way nicely to a £100 payout. I then had some cash left in my purse from my birthday so we had a nice Indian takeaway for tea.
I can now have a nice lazy day with BF, although the material for my diy face masks finally arrived, so I can have a go at making those. My parents have asked for one making too and my nan has asked for one with butterflies because she doesn't like the material I've chosen! 😂
We've also been invited round to my parents for pizza tonight so that helps towards our not buying food until t3sc0 comes Monday evening (the Indian takeaway last night doesn't count!😂)
Have a lovely weekend! 😀Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
I've just called Natwest. I have an overpayment allowance of £5398.12 until 26/06/21 which is achievable. I also asked how much of a repayment penalty there would be if I went over the allowance and it is 4% of what I overpay, so if I overpay an additional £1000 I would be charged £40. Definitely a lot less than what I thought it would be and certainly some food for thought!Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!3 -
Reading your diary always makes me so hungry 🤣! Have a great weekend xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Happy Saturday!
Well, another fun packed week has passed by 😂
The interest has been added on to the mortgage and the good news is that it is now under £200 a month. The new total is £64,589.96. I've made a small payment of £39.96 to round it down. I will make another small payment after my normal monthly payment has come off to round down and the rest of the money I would usually use for overpayments will go into one of my savings pots until it is up to £1000.
I got my test results back and I am low on B12 so I'm now on tablets for that! Work is the same old so I had words with my supervisor and M.D the other day. I can now work one day a week from home where there are no distractions so that I can get more work done in a day. The boiler is going to replaced 10th August! Yippee! Once the money has gone out for that I will have £2k left in the EF, my target will then be to build that back up to £5k.
I made face masks for me, BF and my parents last weekend. They're not perfect but overall I'm pleased with them, just need to make two for my grandparents now!
Have a lovely day! XMortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
It's the weekend again! Where does the time go?!
It's been a bit of a stressful week at work. There's been lots of secret meetings going on with the directors/managers and little comments about job roles changing and moving offices. Yesterday I was asked to join the technical team for a meeting by the new Operations Director. I was told that I would still be doing customer care but me and another one of my colleagues will be the new job role of Ops Admin. We will be taking on all the admin when it comes from sales and then informing customers of where their order is as it makes its way through the factory. My first question was when an I meant have time to do this? To which I was told old/difficult complaints will be taken off me. If that's going to happen it will be quite a relief and what I've wanted all along from my current manager who is a bit of a nasty mare! My second question was, I've not used a lot of the system and only what's relevant to my job role. I was told full training will be given! Overall, this could be a good thing. Me and my colleague, who I get on really well with will be moved to another office with two site managers (who are hardly in the office) to work and away from our snappy, nasty mare current manager! 😀
I have a few more questions for the new Ops Director which I will ask on Monday. One of them concerns pay! Considering they've made people redundant and advised us in a memo that there will be no pay rise, no bonus and no Christmas party this year. They are also saying they've had record profits and seem to be chucking money around like it's fairydust! I'm sure they can spare a little for me and my colleague who will be taking on an additional role to what we already have. Fingers crossed anyway!
In financial news, I was paid yesterday and have moved £500 into the OP pot. If I can keep this up, I can make two overpayments of £1k to the mortgage before the end of the year. My little Christmas pot which I've been putting my TTs into is now up to £50 so I'll continue with that and it'll be a nice amount to help with presents. I feel like after the year we've had material things don't seem so important and I'll be cutting back on the amount I spend for sure.
I claimed a £5 Amazon voucher from Pinecone Research. I usually do the PayPal option but it didn't seem to be there anymore. Does anyone else do Pinecone Research and have found this aswell? I'll definitely use the Amazon voucher so it's not a problem, I just thought it was strange. I'm still working my way to payouts on a couple of other survey sites, but it'll all help in the long run.
Have a lovely weekend! 😀Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!7 -
All sounding positive Jessy, good idea to ask nicely for a little extra money 😀 I know what you mean about material things, just wish I could convince BF. He and his son have parcels arriving daily, it's stressing me out!!!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Good news if you are away from your current manager jessy and that you get on with the colleague that’s moving with you. I feel your frustration, I feel a lot of companies are using COVID as a reason to seriously slim down the workforce partially or sometimes wholly subsidised by the government. I think managing to keep companies running on a lower workforce temporarily has given the impression that staff numbers can be reduced easily and the slack picked up by others, but there are still only so many hours in the day!MFW 67 - Finally mortgage free! 💙😁4
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