Quest for (mortgage) freedom

eat_that_frog

Thanks, yeah I think doing it the first time is the hardest, partly because it wasn't clear what number to phone etc. I went into a branch on the high street but they said they couldn't do it via debit card in there. So that made things feel a bit 

Anyway it's done now and I know how to do it in future months too!

South_coast

Congratulations! Great start 😀

frankersBri

Congratulations; a strong start! You seem really motivated to get MF so I'm sure you'll be successful!

ruby_eskimo

Congratulations with your first OP!  You'll be under £230k in no time!

Squirrelz92

Wooooo! Congrats on your first OP! And what an amount it was! 

Sweetie83

Well done 👍🏻  

Busy_Mee

Great first overpayment. You will find keeping a diary really helpful. We achieved mortgage neutrality this year thanks to the support of everyone on here. Our mortgage was originally £280 k (gulp)

eat_that_frog

Thanks all, I hope I'm able to keep on track. Hopefully this diary will motivate me to do so.
A poster mentioned focusing on maximising the gap between my incomings and outgoings, so that's what I'm trying to do:

• I registered for Prolific yesterday
• I'm sorting through our stuff, clearing the house and looking at what can be sold
• At work I've put my name forward for another job internally, which would give me an admittedly very small payrise, but it sounds like an exciting opportunity and during this recession I think every little helps frankly

Payday for me and husband next week, best time of the month 

eat_that_frog

   I made an overpayment of £2000 on the mortgage today. This brings the total outstanding now down to £234,900. I mentioned last time about the psychology of the numbers...well this time getting down below the £235k mark is a real boost, as I don't feel that far off of £230k now. It also felt much less of a faff than last time because I knew what I was doing, what number I needed to call and what info I needed to hand.

Separately, I've also got some items up online to sell to make a bit of extra cash. Unfortunately haven't heard anything more about the potential promotion, has all gone a bit quiet on that front. Just feel happy to have a job right now to be honest.

sofarbehind

Fantastic, you are doing really well. I also find it really motivating every time I pay off 10k and see the balance go down, that 230k is so close now