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Keep calm and carry on....

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  • South_coast
    South_coast Posts: 5,855 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    £5.33 in from Prolific, taking Project £36 to £82.15/£36.00 😀 Payday in a couple of days, may set myself a new challenge
    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!!!
  • Have peaked a little early on a bonus 29th February OP (courtesy of SJ's inspired idea) as it's payday on Friday and didn't want the usual payday OP's to mask the bonus one. Decided to do 29 days' worth of interest = £61.72. Fortunately the outgoing month's petrol budget was able to cough up £50 towards it, and managed to scrape the rest together out of a couple of the other pots. That's quite a nice chunk I probably wouldn't have paid off without getting the bug from on here, I love the fact that each time you think you really can't do any more you usually end up doing more and then some😀

    Current balance £30,110.64

    Wage slip day tomorrow, so the evening will be spent plotting 😂
    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!!!
  • Jessy103
    Jessy103 Posts: 2,234 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done South! Hehe, I got my wage slip yesterday and spent last night plotting :smiley:
    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!
  • South_coast
    South_coast Posts: 5,855 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks Jessy - plotting is the best! 

    *ahem* WAGE SLIP DAY 😀😀😀!!!

    Money set aside for DD's, monthly pots filled up and £1457 allocated to OP's 😀 First tranche goes out tomorrow, which will see me well into the 29's. This time next month is the anniversary of starting the mortgage, so am going to dig out the payment schedule and see what the balance should have been - have a feeling it will start with a 5 😮 

    Of course, the money actually going into the bank tomorrow will now be a complete anti-climax as it's already all set up to go straight back out again and I'll be looking ahead to the next payday so I can start all over again - at least there's only 28 days to wait for this one 😂 Right, I'd better put some dinner on, I was too excited when I got home to think of anything else! 
    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!!!
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Well done, what a great idea about the 29th...
    (Goes away mumbling about why his spreadsheet didn't think about this...)
    If it's not adding up, compound it!
  • I can't take the credit I'm afraid - it was Shanghai Jimmy over on his thread. Think he's got the cogs whirring for a few people 😀
    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!!!
  • Well done on the bonus OP's and this months OP - good work!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Thanks DFOD 😀
    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!!!
  • Ooh I got a mention for an idea on someone elses thread! I've been really disciplined and am waiting till tomorrow for my 'leap day overpay'. I suspect the build up will be more exciting than the actual doing!! 
    MFW: Was: £136,000.......Now: £47,736.58......
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