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mumof3.12kindebt - mortgage free by 40!

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Comments

  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Beautiful photos. 
    good luck with your interview,
    my commuter car, a toyota aygo, has really good fuel economy. I bought it 18months ago. going to work 4x a week costs around £35 per month 12 miles a day. Zero road tax as 2015 plate :)  

    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    @Moneyfordreams... Thankyou. Ah that's good. I'll have a look .. does it have 4 or 5 seats ? .. i looked at a few that were 4 seats but then I decided  I just want to have one car so I need 5 seats really. As we have 3 kids. Otherwise I'd of gone for something much smaller as they tend to be cheap to run 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Got the job ! 
    And got the higher contract of hours too  :)

    As part of it all also be doing senior shifts which will be at a higher pay ... So the job that was perfect already and two added bonuses ! 

    I'm so happy and also relieved.... I'm also never applying for another job again  :pensive:
    Being agency is great but not knowing how much work I'll have all the time was causing huge anxiety ... (I always got enough work in the end) 
    Also the higher contract means even on my lower pay I'll earn £3k extra a year 
    Now to go and adjust the budget to allow for more savings  :D 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Woohoo! Congratulations 😀 Well done you! 
    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!!!
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Thankyou 😘 

    Oh also today has been another no spend day making it the 3rd in a row. And we shouldn't need anything until the food shop comes on Wednesday  :)

    Money wise I've worked out my pay for the coming weeks for my current job. And we will have enough to see us through till my first pay of my new job. So no savings will be touched. 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • Mrs_Money_Penny
    Mrs_Money_Penny Posts: 1,312 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Congratulations well done xx
    2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
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  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Great news!  So pleased for you. :smile:
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Thankyou both. 😁

    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • dawnybabes
    dawnybabes Posts: 3,371 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Brilliant news 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Hello my beautiful diary friends, 

    I hope everyone is well 

    Today was another no spend day. 

    Ive adjusted the budget for the rest of the year starting next month.

    I've decided to keep a smaller amount in savings. Mainly due to the fact we are paying so much interest on the mortgage ... (Around £11/£13 a day) :scream:

    So ... I whacked a £2085.46p payment to the mortgage ... 

    Will keep the savings at £6k for now. 

    From now .. it's no spend and aggressively overpay this mortgage 

    Have a good evening everyone x
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
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