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  • South_coast
    South_coast Posts: 5,930 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    starnac said:
    I'm not sure why they make it so hard!ย 
    Because they want you to keep paying their lovely interest forever! Well done on beating them ๐Ÿ˜€๐Ÿ˜€๐Ÿ˜€
    Mortgage start: ยฃ65,495 (March 2016)
    Cleared ๐Ÿงšโ€โ™€๏ธ๐Ÿงšโ€โ™€๏ธ๐Ÿงšโ€โ™€๏ธ!!! In 5 years, 1 month andย 29 days
    Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed

    Finally earning interest instead of paying it!!!
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    starnac said:
    I'm not sure why they make it so hard!ย 
    Because they want you to keep paying their lovely interest forever! Well done on beating them ๐Ÿ˜€๐Ÿ˜€๐Ÿ˜€
    Yes! You've hit the nail on the head. It's also taken them 2 days to come back to me with an email that said "we've reviewed your overpayment and have decided not to adjust your regular monthly payment"

    Um, please don't. It was ยฃ70! Had there been a few extra 0's on the end then fine but as it stands? No thank you.ย 

    I'm not feeling great this morning. I have the sore throat that the kids have both had. I also have a busy day at work today. It's an enjoyable day as I love the groups I work with on a Friday but I just don't have the enthusiasm this morning.ย 

    At least it's the last day of January right?!
    Goals for February
    Declutter 2/50
    Money Made ยฃ0/ยฃ200
    Overpayments ยฃ0/ยฃ200
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    January round up
    Goals for January and how I did:

    Declutter 73/20
    I did well on this thanks to someone on Insta who set daily goals/areas to declutter. I plan to use a similar strategy for February too in the hope of getting on top of the clutter in this house.ย 

    Money Made ยฃ242/ยฃ200
    This was boosted by a pay rise that I was not expecting.ย 

    Overpayments ยฃ70/ยฃ200
    Money was tight in January so the ยฃ70 was from the pay rise I received. I must try harder in Feb

    I plan to leave the Money Made and Overpayment targets the same but increase the Declutter target to 50
    Goals for February
    Declutter 2/50
    Money Made ยฃ0/ยฃ200
    Overpayments ยฃ0/ยฃ200
  • Cheery_Daff
    Cheery_Daff Posts: 17,317 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent goals progress! ๐Ÿ˜Š and well done for having a rest from your long run too, very sensible.ย 

    Not surprising that you're relieved about having the room sorted.ย  If DD was in there because she was poorly maybe subconsciously this signals the proper end of that? Also unfinished house things always feel like they're hanging over my head so it's nice to get a job ticked off ๐Ÿ˜Š
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