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Hi savingholmes, we did think about clearing the rest with a loan but think its still too high and also banks aren't keen on clearing your mortgage as a reason for taking out a loan even if its a lower rate. At the moment, we can overpay as much as we want into our mortgage and some loans wouldn't allow us to do that.Mortgage Free 23 December 2020
Savings £9671 / £20 000 goal
Emergency Fund £216 / £1000 goal1 -
Happy shiny new diary.
An amazing amount to be able to overpay a month.
Look forward to reading your adventures
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Hi there Beanielou, it is a lot to be able to overpay but it has taken us a long time to get here.
I know from other threads that you're a kitty person and we're a kitty family here, mind you they've been demanding to be referred to as co-workers since I've been wfh.Mortgage Free 23 December 2020
Savings £9671 / £20 000 goal
Emergency Fund £216 / £1000 goal2 -
I am indeed a cat person I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Am I reading your signature correctly and your mortgage is paid off this month? If so, well done, it must feel so good.Mortgage Free 23 December 2020
Savings £9671 / £20 000 goal
Emergency Fund £216 / £1000 goal2 -
Yes, I am, it is starting to sink inPorridgecat said:Am I reading your signature correctly and your mortgage is paid off this month? If so, well done, it must feel so good. I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Extra overpayments might be off the cards for the rest of the month. At Christmas Mr Porridge lost his Varifocal glasses while collecting stuff from the food bank for the parcels we were packing at the school. We went back afterwards to find out that they'd been run over by the rubbish truck. He went for a test on Saturday and has ordered two new pairs £318
New glasses weren't a category I have in YNAB so I've had to juggle some other budgets around so I don't think there will be many more surpluses. I have now made an extra category for glasses. Mortgage Free 23 December 2020
Savings £9671 / £20 000 goal
Emergency Fund £216 / £1000 goal1 -
Oh dear, that's not so good.
I always think glasses are so expensive
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
I've drawn myself a mortgage caterpillar, twenty six segments to colour in.
Mortgage Free 23 December 2020
Savings £9671 / £20 000 goal
Emergency Fund £216 / £1000 goal6 -
Looks fab, I love it!MFW - Original balance 28/08/2014 £52850Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
Balance 27/07/2016 £49990
Balance 08/07/2017 £47999
Balance 30/07/2018 £44500
Balance 01/08/2019 £40700
Balance 03/09/2020 £37619
Balance 30/09/2021 £33983
Balance 18/01/2023 £28940
Balance 06/10/2024 £22168
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