Aiming to be mortgage free when I'm 40.

Sncjw

I have something else to save for in October. I managed to get s club 7 tickets and I am a sucker for merch. il be going for food after work and before the show. So I need to save some money to pay for this.  Takes me back to my childhood and because I know the songs it will be easier to understand the show. 

Sncjw

We have had a lovely weekend by going to the theatre that we have tickets for a while. We had a lovely meal too. 

We are not the kind of people to go out drinking every weekend and we don't drink alot when we go out ethier so when we do go out we make the most of it. 

We used taxis to get to and from the theatre as it was raining and cold and it could affect my implant and we didn't want to risk to poor transport nextwork to be late for the show.

Also we purchased a ps5 this weekend. We have saved some money to do this and we have waited and considered this. My husband who is a huge gamer said that we will have to upgrade at some point at the games that are coming out will be geared for this. He is looking forward to GTA 6 and the new ghost of tushima which I have also played the previous one. 


I would say it's an investment as it provides entertainment when our rugby matches for the local team finishes in the summer but also for the evening when I get back from work too. 

We are still on track to clear our credit card in about 8 months and also awaiting our first overpayment to be taken. 

Sncjw

I should be at work today but come down with a bad cold and I don't want to be passing it around to people. .

Making us of my media subscriptions and watching some films..

 I have the option of not listening as I wear a ci and I can choose to hear or not which makes it better as I have headache so the noise be too much. 

Not much for money saving but it does stop me from getting stuff from vending machines if I need an afternoon snack. 

Tiredbutdetermined

Oh my goodness. That overpayment is superb. 

If a baby happens further down the line then you may have to reduce the overpayment but the impact it will have until then is fantastic. 

It does sound like you might end up hitting the 10% overpayment limit but you can cross that bridge if you come to it.
I had a joint mortgage for 18 years and never overpaid so I get such a buzz from being 7months into my sole mortgage and already having overpaid by £9000.
Enjoy every overpayment and do your happy dance at that term coming down

Sncjw

Tiredbutdetermined said:

Oh my goodness. That overpayment is superb. 

If a baby happens further down the line then you may have to reduce the overpayment but the impact it will have until then is fantastic. 

It does sound like you might end up hitting the 10% overpayment limit but you can cross that bridge if you come to it.
I had a joint mortgage for 18 years and never overpaid so I get such a buzz from being 7months into my sole mortgage and already having overpaid by £9000.
Enjoy every overpayment and do your happy dance at that term coming down

I have worked it out and it's fine it's not going to hit the ten percent. 

We already put 400 onto credit cards so once the cards are paid off then we will save the 400 so we can use if baby comes or if we haven't got a baby by the time we renew fix the can go here you go or continue to save until we have enought to pay it off completely. 

Sncjw

Pay day tomorrow. 

Will be shifting our contractual payment to the joint account that already holds the overpayment for march. Then march payment taken on the 1st. Looking forward to seeing the numbers go right done. 

I won't do a signature until I get the amount on the 1st so take in account of daily interest. 

We have a few things to look forward to as we want to live.

My birthday, our. 1st wedding anniversary,  a few shows to practice sound training. 

Also when credit cards are paid off that money will be saved and can be used for Christmas as few new babies will have come to the family by then. 

We also have a season tickets to the rugby so we have actives already paid for next season. 

The house needs some stuff doing to it but will take some time to do that. We are still trying to cram tyising and doing things together for fun too. 

Sncjw

Payday today and sorted the money out first thing like we usually do. Mortgage contractual and overpayment is ready in the account to go. 

Am I sad to look forward my first overpayment to hit? 

Also bill money is also ready to be taken. 

I also have our credit card money ready to pay which I will do tonight as m and s you have to put card details in each time. Yes we can do DD but I prefer do it manually as I can adjust how much to pay. 

Just update sorry if it's boring. 

Sncjw

Twas the night before mortgage payment

All was quiet in the sncjw household. 

And sncjw checked their mortgage amount and it stands at 

66,561.01

It may go up tomorrow slightly as it takes a few days to reflect on the account but I am taking tonight's figure as the starting point for over payment. 

Sncjw

Mortgage payment has gone out my account now just to wait for it to update on the mortgage account. 

Sncjw

First payment has cleared and updated our balance.

£65,553.80

I can't wait for it to go down even further. It will be great to see it go to the 50s.