2021 Mortgage-Free Wannabes

frugal_lass

Hi Julicorn!
I realised I am at the last month of overpayment allowance for the year. So I’ve scraped out money from everywhere. Even sent off old phones for a little money and have overpaid £1090.02 in total for January! 

flipper_72

Hi Juliecorn,

#73 Sorry I wasn’t clear in my last post, could you put me down for £335 January and £744 February or if you prefer it can be £1079 January.

Thank you, and I will be more clear next time 🙈

SpendingPennies

Hi @julicorn

Number 109 total for January is £1055

Thank you 

twinklie

twinklie said:

#6 I cashed out £5.06 from Prolific and sent it straight to the mortgage. So January's total is now £67.12.

Ahem, the interest was adjusted at the end of the month and I couldn't cope so sent another £22.33 OP. 
So OP now stands at £89.45 for January. 

yogavibes

#69 here
£1000 OP made for Jan
thanks

julicorn

MrsC....tobe said:

Hi there!  I was wondering if I can join you all please?
I did join last year but then found our mortgage didn’t allow overpayments so instead I put the money into a separate account ready for when we could remortgage.  We were able to build a reasonable emergency fund last year aswell as further savings and home improvements, and when we remortgaged we put a chunk in and managed to reduce the term from 25 years down to 18 years.  I’ve just turned 40 and ideally we would be MF by the time I’m 50.  Currently on a 5 year fixed.

OP Capped at 10% which is around £9k for this year.  Only done £100 this month to test the water (we haven’t even paid the first DD payment yet) and I daily skim my bank account down to nearest £5 which I’m going to put straight to mortgage for time being unless we need to switch it elsewhere to build savings up again.

I’m going to make the target for this year £7k.

Of course, welcome back You've got #117 this year. 

MrsC....tobe

julicorn said:

MrsC....tobe said:

Hi there!  I was wondering if I can join you all please?
I did join last year but then found our mortgage didn’t allow overpayments so instead I put the money into a separate account ready for when we could remortgage.  We were able to build a reasonable emergency fund last year aswell as further savings and home improvements, and when we remortgaged we put a chunk in and managed to reduce the term from 25 years down to 18 years.  I’ve just turned 40 and ideally we would be MF by the time I’m 50.  Currently on a 5 year fixed.

OP Capped at 10% which is around £9k for this year.  Only done £100 this month to test the water (we haven’t even paid the first DD payment yet) and I daily skim my bank account down to nearest £5 which I’m going to put straight to mortgage for time being unless we need to switch it elsewhere to build savings up again.

I’m going to make the target for this year £7k.

Of course, welcome back You've got #117 this year. 

Thank you!  

#117 reporting in with £110.40 for January.  Looking forward to getting stuck into this!

Sandyra

#32, in early for Feb OP - £667.92 thanks julicorn x

turtlemoose

#27 £149.98  for February please

becky170

Hi, #7 here with an overpayment of £219 for Jan thanks!