Dora's mortgage no more 2021

LadyWithAPlan

Well done on the sub 150s and getting some of your mortgage to repayment.
Whats the balance on the IO and do you have a goal  and time frame for getting that part got rid of?

I am just starting looking at mortgages and I have gone from thinking I need a shorter term mortgage to seeing how long a term they will give me to keep monthly payments low and then I can OP  as much as possible, so in line with your thinking.

Dorastar

House insurance are now sending another team out to dig around to try to find out what's going on under the house, also dealing with car insurance and both claim handlers are called Alex, life is so confusing at times! Mr Dora got paid and they've forgotten to add his overtime so he's not a happy bunny, although he will get it in next month's wages. £6.60 in the bank for surveys done today and another £6.85 pending. 
School uniform shopping tomorrow so a big spend day!

Dorastar

£106.97 on kitting the boy out for school, beans on toast for tea for a while again! 

Dorastar

Nowt to report, still plodding and not been able to pay much over our new payment due to life stuff going on. Need to work out if we can save a bit here and there so we can start overpaying a bit rather than do nowt. Luckily we're on a fixed fuel tariff till 2023 so any increase shouldn't affect us and we're doing pretty well with menu planning so hoping to shuffle some money across from savings.

Dorastar

Menu planned for the week ahead using up supplies and managed to get an £80 reduction on Mr Dora's car insurance so should be able to shuffle some money across to the mortgage and savings by pay day. Need to contact mortgage company to see what our overpayment limit is and work back from that, not that I think we'll be anywhere close to overpaying that much! Lots of side hustle work to do at the moment and every little bit will help towards the savings/overpayments. Loving the fact that it's autumn and I can legitimately stay home and do crafts, read books and eat plenty of soup which will also help with money saving. 

Dorastar

Half term so time to regroup and work out the finances again. Car and house insurances have gone out of BFF so it's looking a bit depleted but getting some money back from student accommodation for uni teen so that should offset it a bit. No major plans for the week apart from visiting uni teen and my parents as my dad is very poorly atm. So hoping to come in way under budget for the week apart form petrol for the journeys. Got to see if I can get tax back for union fees and for some PPI we had a couple of years ago too, but these things take ages just to get into the governments system. Have split the mortgage into a repayment part and an interest only part (the best they could offer us atm) so need to speak to mortgage people to discuss overpayments as and how much will make a decent difference. 

Dorastar

New paper calendar, diary and spreadsheets set up for the new year. Aiming to boost the savings for a few months as it looks likely that we'll have to undergo some major work on the house and we'd like to keep borrowing to a minimum if we can. If it turns out we don't need to pay out for the work then we can pay a big sum off the mortgage instead. Lots of frugal plans (and who doesn't love a plan) to put into action and a lot of decluttering too in case we have to move out while work is done. Also plan to post on here more often so I can see the progress rather than just talk to myself about it!

Dorastar

Car konked out but thankfully on a quiet road and not mid-motorway drive over the weekend, RAC rescue and £240 worth of repairs later & it's back on the road. Money comes and money goes I guess, need to change the numbers on here now.

Dorastar

Money in our account just before January pay day so £400 paid off the mortgage, our first overpayment in ages but the BFF fund has been coming and going a bit with car repairs and paying for essential for growing teenagers! Need to check out how much the BFF has in it later today so that figure can be updated too. Lots of free stuff, decluttering and using up stuff we already have to make life a little easier on the purse is really helping.

savingholmes

Ouch to cat bills. Well done on OP