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  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad you had a lovely time with your son.

    You're doing amazingly, every little payment you are making is a step in the right direction.
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thank you KP, I have always said any income I get extra to my day job will go straight to the mortgage. I try to put it against the mortgage as soon as I can cash out of survey sites because of the daily interest. I know bits won't make much of a difference but its everything added together that will make the difference 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Awww I bet he had a lovely time 🤗
    Any O/P is better than no O/P and you are not far off your target!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The psychological effect must be pretty good too, I'm not making many overpayments but it is always a little boost to me when I do!
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yeah frequent payments help to keep my focus and give me something to add and update on my spreadsheets lol
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    500 Posts Third Anniversary Name Dropper Mortgage-free Glee!
    Every op makes a difference to the interest you pay so they're always positive regardless of size 😉 
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your son's birthday went well. Well done for having a habit of overpaying.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Today is the last day of my money month as pay day tomorrow. I have found the 23.90 I wanted to round the figures down (22.73 surveys). So managed 66.52/45 (55 stretch) target which I'm very pleased with and all makes a difference.
    Been busy here with a poorly little man again but he's OK now we have some antibiotics for him so hopefully they will kick in pretty swiftly.
    I haven't decided on tomorrow's  money shuffle or found Lisa's yet although I did start looking. 
    Hope everyone is OK 

    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Congrats on reaching pay day on such a high.
    Hope the antibiotics kick in soon for little man.
    I know a few work colleagues are going through the same with their little people, seems to have lasted a week or so.
    ATB, G.
    If it's not adding up, compound it!
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your little man feels better very soon. Well done on your stretch target. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
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