Time to start my race to zero

OhIJustLostMyShoe

Month	Investments	Cash	Credit		Net assets	Mortgage	Overall debt	
Mar 20	90		43	27		106		414		308
Apr 20	92		44	36		100		414		314
May 20	99		48	36		111		415		304
Jun 20	107		64	45		126		416		290
Apr 21	172		62	53		182		408		226
May 21	180		56	46		190		408		218
Jun 21	171		65	54		182		407		225
Aug 23	256		65	43		278		373		95
Sep 23	254		69	46		277		372		95
Oct 24	328		92	46		374		368		-6
Feb 25	390		100	62		428		357		-71
Apr 25	365		101	75		391		340		-51
Jun 25	382		86	72		396		332		-64
Aug 25	411		90	71		430		331		-99
Sep 25	417		82	70		429		327		-102
Nov 25	453		62	66		449		299		-150

I was in two minds about the mortgage overpayments, having been tempted to play it safe and wait more before deciding what to do, but last month I figured that I was probably letting caution get in the way of something that would wind up happening sooner or later.

So I've lumped for the full 10% now.

I think I'm glad, at least I can't spend each month now debating what the best course of action is.  It's already done and I just need to make it work.

I do need to carefully manage the credit, as a lot of it is coming due for payment next year.  I'm a bit in two minds as to whether to keep it going and try to get more 0% debt, or whether to scale it back.

Currently I feel like it would be nice to ease off a bit, because the numbers seem huge and I think some of the lenders are getting a bit nervous.  I'm also not sure whether I'll try to remortgage next year.  In theory I can, but I expect I'd have to reduce the credit quite a bit.

At least the mortgage rates seem to be quite favourable at the moment, and there are several lenders offering rates under 4% which would suit me just fine.