!!My time to be mortgage free!!

becky170

Well done for getting your Christmas shopping started. I've got even started thinking about what I'm going to get people yet. I have booked a days annual leave for November to tackle it though 

Also great news that you'll make your overpayment today. I've not tried making overpayments to round my mortgage down to having a zero at the end but it sounds very satisfying! 

happymum37

becky170 said:

Well done for getting your Christmas shopping started. I've got even started thinking about what I'm going to get people yet. I have booked a days annual leave for November to tackle it though 

Also great news that you'll make your overpayment today. I've not tried making overpayments to round my mortgage down to having a zero at the end but it sounds very satisfying! 

I have been freaked out by all this publicity saying presents are selling out. So I have bought the kids main presents now so that I can not worry that they will sell out. 

I also do all the shopping from both sets of grandparents to give to the kids 🙁 ☹️  so I have to buy lots. 

The zero club is great. I have to pay 80 a month roughly to get those last 2 digits at zero and it is so satisfying!!!

happymum37

I just joined the zero club again today. 
Boooom so excited. 

Now it's 44300 .


We had to cash in 1k savings to pre pay Xmas and buy urgent !!!!!! for the house.  It will be paid back ASAP

Xxx

happymum37

Got mortgage statement today. 
All my little over payments have now taken a month off the mortgage!!

I'm going to keep going till April for sure!!!

happymum37

Ps mortgage officially has 9v years left on one and 8 years 7 months on the other  x

happymum37

Following covid debacle this summer we decided to book a proper foreign holiday next year.  This has led to a further cash out of savings!

And I'm super excited already! Worth every penny.

Hoping to be able to save a few hundred each month again...

happymum37

Mortgage payment date

Can't afford overpayment yet.  But another extra month knocked off with my over payments whooop

happymum37

Mmm contemplating savings goals for 2022

I want to over pay into pension by 100 per month starting April. 

So until April want to over pay mortgage by 100 and save 150 if poss to get a decent slush fund established again as it will be zero after Christmas 🎄 🤔 

savingholmes

Well done on your overpayments and high savings. Did your DH's job situation get resolved?

happymum37

savingholmes said:

Well done on your overpayments and high savings. Did your DH's job situation get resolved?

Thank you

No he is just hanging in there.  He doesn't think it will still be there in late 2022 but we shall see. I'm going to convince him to pay off a bit of the mortgage after Christmas via lump.  He's wanting a massive savings budget