Halving our income and still aiming for mortgage free!

smetf

Made the extra OP of £100.
A new deal on broadband has saved us £8 a month (added to monthly DD house and home savings) and have reduced our electricity DD by £35 a month from next month as we're in credit - have added this to Mortgage DD plus £15 to round us up.
This means from next month we will be paying £1200 a month, £200 interest and the rest off the total. If we just do this the mortgage will be done in 3y 9 months 🎉

smetf

Quick check in before work. New revised OP of £736.62 has gone in. It's going to be a tighter month as a smaller pay packet from both my old job and final SE income, next month's pay will have an extra week in it plus a small back pay from my second job. 
Have a good September all!
S

smetf

Hi all,
OP of £736.62 paid yesterday. Got my new pay but suspect I have been taxed wrong as it's about a third less than it should be (and includes an extra week)! Will have to sort once home.
Just coming to the end of our time in Canada.
S

smetf

Hi all, 
Not a lot to report this month, have just submitted my MFiT-T7 update form, mortgage is down £10k from where we started in January. 
Made an extra £100 OP today.
Have a few financial jobs pending - need to organise a new mortgage, find a better paying savings account for money shuffling during the month and submit my SA for 24/25.
New job going well, and have sorted out my pension contributions.
S

smetf

Happy November!
OP of £736.62 paid in. 
Our new mortgage is sorted, a 2 year fix which doesn't have quite the capacity for OPs as our current one but we'll max them out for the 2 years and build up a lump sum to throw at it once the fixed rate ends at the end of 2027. This also gives us a bit of breathing space to pay for Japan. The new savings account is all set up and in use.

SA to do, plus a conversation with HMRC and a new PIP application for youngest are all my money to dos for this week.

S