The Case of the Overwhelming Mortgage

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  • AgathaSquirrel
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    Difficult few weeks but hopefully worth it. Very short staffed at work, juggling this with course application and job application. Both now in but need to start prepping for interview (likely to get an interview but lots of competition for jobs so need to work hard prior to interview). I think I have hay fever but symptoms very similar to delta variant. Lft negative yesterday but symptoms getting worse so might retest today. Had both vaccinations so hopefully not.

    Money wise no news. Paid next week so can put in an overpayment then. Waiting on some quotes for work round the house.

    Really need to rest this weekend as just feeling rubbish.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • AgathaSquirrel
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    Mortgage down to the £98000s. Playing around with figures and if we keep overpaying as we are we might have paid off the mortgage by the time preteen 2 is 18, so in 7 years. Currently mortgage still has another 16 years to run.

    Preparing for an interview at the moment. Still waiting on interview date and presentation title but the interview is likely to be early July so lots to do in not much time. We are away next weekend so need to be ready by the end of this week.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • killerpeaty
    killerpeaty Posts: 2,655 Forumite
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    You've done so well with your journey so far. Good luck with your interview when it happens!
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
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    Good luck with the job - Your diary alerted me to the Mcleod judgement - which I hope will have a positive effect on my pension in the not too distant future, thank you  :) 
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • AgathaSquirrel
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    Good luck with the job - Your diary alerted me to the Mcleod judgement - which I hope will have a positive effect on my pension in the not too distant future, thank you  :) 
    Oh glad I’m doing some good!
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • AgathaSquirrel
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    Daily interest down to £5.68.

    Away for a few days in Peebles. Beautiful part of the country. Pity we missed the sun.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • AgathaSquirrel
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    Interview happened... mixed - some awful responses but some good ones too. Not holding my breath.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • greent
    greent Posts: 10,671 Forumite
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    Fingers crossed x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • AgathaSquirrel
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    I’ve now got over the relief of the interview being finished and I’m in the « oh my god, why did I say that «  phase.

    In better news managed an overpayment to the mortgage today. We’ll just drop into the £97000s.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgagee of £68000
  • greent
    greent Posts: 10,671 Forumite
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    I had an interview yesterday - suffice to say that if I didn't already work there I really don't think they would have offered me the job, as (looking back) my answers were appalling and I had to do a task which I messed up somewhat (they've offered me the job and some training!!) - my boss (one of 3 on the interview panel and who spent several hours persuading me to apply) really wanted me to get it, I think! I know I don't interview well - I've been told it before..

    It's done now - don't beat yourself up over what you said - enjoy the weekend xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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