Keep calm and carry on....

South_coast

😀

https://m.youtube.com/watch?v=HeTUP6Rb8ww

South_coast

Think this is my favourite George song though. Just been having a one-woman party in my lounge 😀! 

https://m.youtube.com/watch?v=FaEjDk3lgcI

Jessy103

Oh gosh, SC what have you done?! That's going to be stuck in my head for the rest of the day!! 😅

South_coast

Mine too *mwahahahaha*

regularsaver

Jessy103 said:

Oh gosh, SC what have you done?! That's going to be stuck in my head for the rest of the day!! 😅

Haha me too! Off to Spotify to search for more George. 

V8D

The whole thing is very surreal isn't it and feels like we're living in a communist state at the moment? I have not been to the supermarket in over a week before the lockdown really began but my husband went today and told me about it. I've been getting out with my dog and this evening walked into the town closest to the village I live in. The town is usually busy on a Saturday night but there was no one with no pubs, restaurants or take aways open. None even seemed to be doing deliveries. Bizarre times. 

South_coast

It really is very strange V8D, my Mum was saying the other night that she is looking forward to regaling young people in the future with stories of what we did "During the pandemic" (think Uncle Albert in Only Fools...😂)

What's happened to the weather??? I know I wasn't planning on going Outside, but it was quite nice being Inside and looking out at Outside 😦 May just keep the curtains drawn today. 

Time for a bit of positive news I think....

So when I was clearing out my paperwork last weekend, I dug out the original repayment schedule for my mortgage. As it's the anniversary today of drawing it down, now seems a perfect time for a bit of a sit-rep. 

Mortgage 4 years ago: £65,495.00, including a £995 arrangement fee (I had used up every penny I had on fees and the deposit, so I had to put this on the mortgage, but WHY didn't my broker suggest lowering the deposit by £1k instead??? It wouldn't have made any difference to the LTV bracket and I wouldn't have been paying interest on it for the next 25 years 😯 Anyway....)

Mortgage today should have been: £59,605.00

Mortgage today (actual balance minus savings set aside): £26,647.17 😀😀😀😀

Whoop, whoop! I am SO pleased with this and that I have doggedly stuck with the plan even when I was told I was bonkers for doing it. Clearly things are going to be a little different for a while right now and that's going to have an effect on OP'ing, but as Super Secret Squirrel says in the intro to his diary "circumstances can go down as well as up". The circumstances right now don't mean the project is abandoned and I think I'm going to be even more determined to finish it when they go back up again 😀 This is just a blip. 

Stick with it all you lovely people and thank you to you all for all the fantastic support and inspiration x

newgirly

That’s fantastic sc , well done 👍 who told you it was a bonkers plan then, the broker? I think most of us had those types of comments if we have told people about oping the mortgage. My most hated is “I wish I could afford to do that” from people who waste loads on other stuff 😏 

Anyway congratulations 🥳 

themadvix

We were really lucky with our mortgage broker, he totally got that we wanted to over pay. But he obviously has access to all of our money info, so he could see that we meant business.

Great progress though SC, especially all on your own!

Grogged

Brilliant progress! 👍
Wish I could have afforded to do that... (with apologies to newgirly)😂
It's this kind of positivity that keeps us all going.