Climbing the Mortgage Mountain step by step

edited 20 October 2021 at 2:39PM in Mortgage-free wannabe
228 replies 8.2K views
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  • Me_v_The_Mortgage_MountainMe_v_The_Mortgage_Mountain Forumite
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    Hi, @savingholmes, no ominous reason, we've just decided to elope, save all of the hassle plus the main thing is we want to get married and didn't want to plan something which we then had to risk cancelling due to covid or travel disruptions.  We are both so excited for next week, we are having all of the 'normal' wedding bits, private chef, cake, hair and make-up, top photographers etc.  We are going to keep it quiet until we get back home and then let everyone know.  At present just my parents and my daughter know.
    Current Mortgage (Nov 20- NOV 39) £130,999 (Interest only) NOW £116,650
    Over payments 2020 £750/£750 (Mortgage payments only start Dec 2020)
    Over payments 2021 £9,000 /£9,000
    Over payments 2022 £4,500/£9,000
    All Credit Cards cleared 
    Loan £7009, £237pm clearing Dec 2024 but aiming to repay by Dec 2023
    Savings (not including 'pots') £7450 (not inc DDs 18th birthday pot), aim to be debt neutral by June 2022 - achieved, just!  
  • savingholmessavingholmes Forumite
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    A friend of mine pretty much did that - just had a meal for about a dozen and left it there and that was way pre-covid
    Target 1) Lose weight & get fit (started) 2) Declutter 3) Get to £6k EF/Savings Now £2.7k 4) MFW starting at £201999 Nov 21 with 264 255 payments to go. Now £196,223. 5) Mortgage neutral progress (private pension/AVCs c£3643 Nov 21) extra payments £312 including tax relief 6) Write regularly 41426/70000 words Book 2 7) CC Debt free April 22 (now stay that way!!)
  • Me_v_The_Mortgage_MountainMe_v_The_Mortgage_Mountain Forumite
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    Hi All

    Phew today's a scorcher isn't it?  My last day at work before our wedding!  I've paid the final invoice from our private chef, a platter for 4 people, beautiful 3 course meal for us and a cake for £225, I think that's good.  Just need to pack now and get ourselves there, we're so excited but it feels a little unreal as there is none of the last minute drama or hassle.  Can't wait to announce our marriage when we get back next weekend.

    We're getting a small shop tonight, make sure DD has all she needs for next week.  I've been on a bit of a mission this week to use up bits and bobs from the fridge so we had pizzas with allsorts thrown on them, had no mozzerella so used ends of stilton and halloumi, they were surprisingly nice.

    Plans for DDs 18th are falling in to place, tattoos booked, I'm going to ask our chef at work to make her her favourite carrot cake and get a topper etc for it.  Just need to book the train tickets and spa, will do that this weekend.

    So I'm signing off until after our wedding.  Money Saving and Calorie Counting are suspended for the next week or so.  

    Have a great weekend

    MvTMM
    Current Mortgage (Nov 20- NOV 39) £130,999 (Interest only) NOW £116,650
    Over payments 2020 £750/£750 (Mortgage payments only start Dec 2020)
    Over payments 2021 £9,000 /£9,000
    Over payments 2022 £4,500/£9,000
    All Credit Cards cleared 
    Loan £7009, £237pm clearing Dec 2024 but aiming to repay by Dec 2023
    Savings (not including 'pots') £7450 (not inc DDs 18th birthday pot), aim to be debt neutral by June 2022 - achieved, just!  
  • Jessy103Jessy103 Forumite
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    Have a fantastic wedding day! Congratulations and all the best ❤🎉🍾
    Mortgage Balance as of 01/01/22 £51,500
    Mortgage Balance as of 31/12/20 £61,000
    Mortgage Balance as of 31/12/19 £69,000
    Starting Mortgage Balance (June 2019) £72,000
    2022 Overpayment Challenge: Jan £361.42, Feb £304.55, March £198.15, April £517.97, May £364.19
    Savings Target: £500/£1,200
  • savingholmessavingholmes Forumite
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    Congratulations. Have a lovely time!!!
    Target 1) Lose weight & get fit (started) 2) Declutter 3) Get to £6k EF/Savings Now £2.7k 4) MFW starting at £201999 Nov 21 with 264 255 payments to go. Now £196,223. 5) Mortgage neutral progress (private pension/AVCs c£3643 Nov 21) extra payments £312 including tax relief 6) Write regularly 41426/70000 words Book 2 7) CC Debt free April 22 (now stay that way!!)
  • Cornish_mumCornish_mum Forumite
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    Have a wonderful wedding! It sounds fantastic CM
  • edited 28 June at 8:36AM
    Me_v_The_Mortgage_MountainMe_v_The_Mortgage_Mountain Forumite
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    edited 28 June at 8:36AM
    Hi All

    Just a quick catch up.

    Thank you @Jessy103 @savingholmes and @Cornish_mum for the good wishes.  We had a fabulous time, the venue etc were all incredible, even better than we thought.  Our chef produced some lovely food and an amazing cake, the weather was glorious and I even went for a couple of swims in the lake, we were in a happy little bubble for the whole 4 days and definitely did not want to come home on Friday.  We rang family and friends on Friday before going public with a facebook post and have had so many lovely messages.  We are waiting for the professional photos now which will be about 2 weeks.  Back to work today but nothing is going to dampen my happy mood!

    I'll catch up in full in a couple of days but need to crack on with work now.

    MvTMM


    Current Mortgage (Nov 20- NOV 39) £130,999 (Interest only) NOW £116,650
    Over payments 2020 £750/£750 (Mortgage payments only start Dec 2020)
    Over payments 2021 £9,000 /£9,000
    Over payments 2022 £4,500/£9,000
    All Credit Cards cleared 
    Loan £7009, £237pm clearing Dec 2024 but aiming to repay by Dec 2023
    Savings (not including 'pots') £7450 (not inc DDs 18th birthday pot), aim to be debt neutral by June 2022 - achieved, just!  
  • savingholmessavingholmes Forumite
    20.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    So pleased for you that it went well and you had a great time
    Target 1) Lose weight & get fit (started) 2) Declutter 3) Get to £6k EF/Savings Now £2.7k 4) MFW starting at £201999 Nov 21 with 264 255 payments to go. Now £196,223. 5) Mortgage neutral progress (private pension/AVCs c£3643 Nov 21) extra payments £312 including tax relief 6) Write regularly 41426/70000 words Book 2 7) CC Debt free April 22 (now stay that way!!)
  • try_hardertry_harder Forumite
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    Congratulations .All sounds wonderful
  • Me_v_The_Mortgage_MountainMe_v_The_Mortgage_Mountain Forumite
    163 Posts
    100 Posts First Anniversary Name Dropper
    Forumite
    Hi All

    I can't believe a week ago today we were driving home from our wedding and planning how to make the announcement.  We're still on a bit of a high and I'm sure are driving people mad with all of the wedding talk, my friends can't believe that I managed to keep it quiet!

    It was payday yesterday so I need to update my signature after the payments are made.  DDs 18th this month so another expensive one and I'm planning on trying to keep other shopping to a minimum.  Now that we have received the marriage certificates I also need to send off to get my passport and driving licence updated and my name changed and then start advising everyone else and amend my will, more expense!  I know my savings have taken a bit of a battering with the wedding etc so I'll be interested to see where I am now.

    Is anyone else having issues with the British Gas app?  I like to update my meter readings at the end of each month but for weeks now I keep getting a message that they are unable to display my meter readings and to try again later, very frustrating, especially in these times of high energy costs.

    Will check back in and update all figures asap.

    MvTMM
    Current Mortgage (Nov 20- NOV 39) £130,999 (Interest only) NOW £116,650
    Over payments 2020 £750/£750 (Mortgage payments only start Dec 2020)
    Over payments 2021 £9,000 /£9,000
    Over payments 2022 £4,500/£9,000
    All Credit Cards cleared 
    Loan £7009, £237pm clearing Dec 2024 but aiming to repay by Dec 2023
    Savings (not including 'pots') £7450 (not inc DDs 18th birthday pot), aim to be debt neutral by June 2022 - achieved, just!  
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