Mortgage free in Forever Home :-)

f0xh0les

Put the numbers into Martin's mortgage overpayment table on this site and see how much interest it will save you paying over the term of the mortgage, and how many months/years that one off overpayment will knock off, and show him! 
It is such a motivator.  I played with it regularly (nobody is allowed to use the word obsessively or compulsively okay? ).....

KajiKita

@beanielou, ah sorry. He is in the process of selling one of his historic vehicles. It’s the big truck - he wants to do his two seat spitfire ride (bucket list thing) before he gets too old / before they stop flying. But he will be left with c. £20 to £30K more, depending on how much he gets for the truck. So we have been discussing what he will do with the rest - top up his pretty limp pension (never had employer matched contributions), put some in high interest savings / PBs, use some for the house etc. 

@f0xh0les, no, of course not, I wouldn’t dare use the words ‘obsessive’ or ‘compulsive’ …. not that I have my own mini tracker of what I have paid off so far and what interest it has saved us! 😉 And, just for information, the £10K would shorten it by 8 months (which on top of the £5K I have already paid off would make it nearly a year early) and save £8.4K of interest. I calculated it based on the increased rate we will be on from October’s remortgaging that we have coming up. 

KK

f0xh0les

£10k payment  for an £18k return....  I do hope Mr KK tells you how marvellous you are! But now I have Fantasia playing in my head, and buckets doubling and dancing - I am sure mortgages are not supposed to be this fascinating. Good news this week about the Nationwide having a sub 4% interest rate - well, a five year fix at 3.99%  -  I do not miss my mortgage, but I know I will probably get  another one when we move from here, so I am keeping my hand in.

PennysIntoPounds

What a nice problem to have! That OP looks very tempting
Hope Mr KK gets to do his Spitfire ride soon 

KajiKita

Done all my financial updates and paid the mattress straight off my credit card, so that’s all tidy. 

Seriously considering getting YNAB ….
Watered all the pots and critical new plantings and veggie patch. Still got the runner beans to do but need to cut some overgrown stuff down around them first and need the sun to be less fierce 😊

KK

KajiKita

Rather curate’s egg day here ….

First day back after my week off - blitzed through 800+ emails by the end of the day 💪, people seemed to have missed me 😊, just about managed to juggle all the meetings that had crash landed into my diary during my week off 🤹‍♀️ Booked the Friday off when my mattress will be delivered so I have a long weekend to look forward to in a couple of weeks 😊

OTOH, the poorly performing report I have started on performance management with, has been bitching about me whilst I was off last week, telling people that he is going to do training with another team and I ‘can’t stop him’, was off sick for two days at the end of the week and again today and that he and his father used to ‘go out on the rob together’ …. 😳🙄

KK

KajiKita

PennysIntoPounds said:

Well done on absolutely smashing your return, and hurrah for long mattress weekend!

Just wow to that kn*bhead 'colleague'.

Maybe you could add to the underperforming report 'Employee self-reports that he has also underperformed in previous role of 'going out on the rob' and is therefore no longer a co-worker with his own father'

Thank you, you’ve made me chuckle 😉
His father is dead. A couple of years ago. Not sure if that has made it better or worse …. 

KK

beanielou

PennysIntoPounds said:

Well done on absolutely smashing your return, and hurrah for long mattress weekend!

Just wow to that kn*bhead 'colleague'.

Maybe you could add to the underperforming report 'Employee self-reports that he has also underperformed in previous role of 'going out on the rob' and is therefore no longer a co-worker with his own father'

Love the last bit. 

PennysIntoPounds

KajiKita said:

PennysIntoPounds said:

Well done on absolutely smashing your return, and hurrah for long mattress weekend!

Just wow to that kn*bhead 'colleague'.

Maybe you could add to the underperforming report 'Employee self-reports that he has also underperformed in previous role of 'going out on the rob' and is therefore no longer a co-worker with his own father'

Thank you, you’ve made me chuckle 😉
His father is dead. A couple of years ago. Not sure if that has made it better or worse …. 

KK

'Employee lacks the skills needed to work independently or as part of a larger team as demonstrated by his no longer being in his favoured role of co-'going out on the rob'-worker after the unfortunate demise of his father'

KajiKita

PennysIntoPounds said:

KajiKita said:

PennysIntoPounds said:

Well done on absolutely smashing your return, and hurrah for long mattress weekend!

Just wow to that kn*bhead 'colleague'.

Maybe you could add to the underperforming report 'Employee self-reports that he has also underperformed in previous role of 'going out on the rob' and is therefore no longer a co-worker with his own father'

Thank you, you’ve made me chuckle 😉
His father is dead. A couple of years ago. Not sure if that has made it better or worse …. 

KK

'Employee lacks the skills needed to work independently or as part of a larger team as demonstrated by his no longer being in his favoured role of co-'going out on the rob'-worker after the unfortunate demise of his father'

Youch! 😂😂😂😂

Bless him, you are almost making me feel sorry for him! 😉

KK