The Case of the Overwhelming Mortgage

kaycastle · 2 April at 8:16PM

https://forums.moneysavingexpert.com/discussion/comment/81947057#Comment_81947057

Oooh getting so close now!

I had a daft moment there where I thought to myself why do you have an orange man living with you then the penny dropped 😂

AgathaSquirrel · 5 April at 11:24AM

https://forums.moneysavingexpert.com/discussion/comment/81948045#Comment_81948045

My worst nightmare would be living with the orange man.

Quiet weekend. Ran 6k yesterday. Legs are sore today so will have a rest day.

kaycastle · 5 April at 1:08PM

Oh god it’s such a horrible thing to imagine ewwwww

And amazing run well done @AgathaSquirrel

I also like running a lot :) I ran 32km on Christmas Day which was a lot of fun.

Half my life has become working out what stretches my legs need to feel okay hahaha

South_coast · 5 April at 4:55PM

Yeah, he's definitely avoid out of "Snog, Marry, Avoid" 🤣

If someone can tell me how to stretch the muscle where my leg meets my bum, I think my life might be transformed!

South_coast · 5 April at 4:56PM

P.S. I spent Christmas Day eating three different desserts - I'm clearly not in the same league 🤣!

AgathaSquirrel · 6 April at 7:52AM

@kaycastle - well done - 32k on Christmas Day…fun doesn’t spring to mind! 10k is my maximum and I have no desire to go beyond it.

@South_coast my Christmas was more like yours!

Off for a stroll and a coffee at a local National Trust place today. Will most likely be giving up the membership soon as we’re not really using it anymore. Also giving up Apple subscription and hopefully negotiating some more reasonable terms with Sky. Waiting for our next gas/electricity bill and then requesting some money back from them. We’ve remained in credit all winter so think the DD is a bit high.

AgathaSquirrel · 30 April at 6:30AM

£650 overpayment this month. On track for sub £34000 when we remortgage in September. Had a thought about throwing savings at the mortgage and bringing it down to £21000 and definitely paying off in 3 years but ultimately agreed we’d rather access the savings and continue to overpay. The plan at present is to reduce to a 6 year term and fix for 3 years. We aim to pay off in 3 years but this gives us flexibility if we need it. Mortgage will be paid regardless by 56. As soon as the mortgage is paid (and university savings complete) we will be saving to fund the years pre state pension. We won’t be rich but we will own our house and hopefully enough money to live life as we want to.