MF by 40!

Gem2889

Welcome @puzzlecat - good luck on your goals, glad to hear I’m not the only one with such ambitious targets!
Waiting for my first official payment to come out on Monday and will try not to blow the budget during annual leave next week!
x

Gem2889

Hi all,
I’ve struggled a little emotionally lately, overworking and lockdown and moving all caught up with me!
So I took it all out on the hallway walls and stripped the awful paper- hopefully that will motivate me to fix it ha!

I’m on annual leave this week and battered by fatigue so hoped to rest but the builders were delayed by snow so need to work and drumroll- got invited for my COVID-19 vaccine 🥳🥳
I don’t mean to sound ungrateful but I threw a major wobbly 😂 but got some perspective now!

In terms of the mortgage first payment came out yesterday 👍🏻 All downhill from here 👇🏻👍🏻

Stay safe 
x

FtbDreaming

Aww life is an emotional rollercoaster at the minute. At least now you can start your mortgage free journey again! A little (or big) target might focus the mind xx

Gem2889

OP another £100 today, just to keep momentum going 👍🏻

Gem2889

I got vaccinated for COVID today 🥳👍🏻

FiveMoreYears

Gem2889 said:

OP another £100 today, just to keep momentum going 👍🏻

Keeping the momentum going is a good thing to do.

Previously, I was saving up an certain amount over several months and then making the overpayment - now I discipline myself to make an overpayment every month. Overpaying used to be something I liked the idea of doing - now I DO IT!

Good luck and onward! 

Gem2889

FiveMoreYears said:

Gem2889 said:

OP another £100 today, just to keep momentum going 👍🏻

Keeping the momentum going is a good thing to do.

Previously, I was saving up an certain amount over several months and then making the overpayment - now I discipline myself to make an overpayment every month. Overpaying used to be something I liked the idea of doing - now I DO IT!

Good luck and onward! 

So true - I can be a major league procrastinator so sometimes I need a gentle ahem nudge to get going 😂👍🏻

x

od244051

I’m 40 and will be mortgaged free next week. Basically helped by inheritances. Also as I changed deals - I asked if I decrease my mortgage by a year, I got the figures and decreased it every 3-5 years and made the odd overpayment here and there.

Gem2889

od244051 said:

I’m 40 and will be mortgaged free next week. Basically helped by inheritances. Also as I changed deals - I asked if I decrease my mortgage by a year, I got the figures and decreased it every 3-5 years and made the odd overpayment here and there.

Congratulations 👏🏻 👍🏻

Excellent tip - I have kept my term long just in case emergencies crop up but the overpayments are essentially shortening the term 😊

Porridgecat

Making two overpayments so quickly is awesome, if you keep up at this rate you'll do it.