Mortgage free with speed.

floorspeed_2 · 11 November 2023 at 7:36AM

Thanks @LadyWithAPlan my partner is not as wise with money so we shall look out for potential benefits in are position tax wise. All I know is if I get married I pay slightly less tax.

I should get my pay on the 20th which will give me a idea of what we are living on, I am paying my partner £600 a month as her maternity pay has ended now. I literally cover all other expenses anyways so she will have a little bit of money to do things if she wants. Other than that her debt is under 5k now which I feel is some what my responsibility until she starts work again when ever that will be.

Thinking a month ahead I ll have to do all my Christmas shopping on the 20th onwards 😅 if I don't dip into savings. I feel like the tippcal bloke Christmas shopping now.

Thank you so much for commenting on my journey I really appreciate it x

Speed out!

floorspeed_2 · 12 November 2023 at 3:59PM

So today I made a micro payment of £5, savings me £8 over the term of the Morgan.

This was a savings from just eat! They gave me a £5 voucher so I used that to pay the Morgan 😅

I had a lovely curry with my brother and had a nice catch up too. We watched Beverly Hill cop and then I head home. It was a nice evening and weekend overall. I am working tonight and I am tempted to work next Sunday too because of Christmas coming up. Hopefully I can twist my partners arm and justify the extra work 😅

Anyways November over payments will go ahead but I ll have to wait until I get paid on the 20th.

Peace and love to all

Speed out!

floorspeed_2 · 3 December 2023 at 5:31PM

So my network is three and I got some compensation for Friday when I had no signal! that is £5 over payment on the mortgage for the issues. Saving me £8 over term of the Morgan.

Feeling it get a bit tight money wise at the moment as I am eating into savings. I have made 3 small investments recently into a project I have been in for a while and will cash that out when the opportunity arises over the next few months which can be another overpayment I hope.

Anyways 17 days until I get paid. Luckily I have plenty of cheese in the fridge.

Speed out!

floorspeed_2 · 22 December 2023 at 4:27PM

£189.54 was my overpayment for November, so nearly Christmas and with everything that happened I don’t think I am going to make any over payment this month of December other than my regular £35 that’s automatic that’s about it for now as I navigate each monthly pay packet

I am paying my partner £700 a week and the majority of that go’s towards her debts. My pay after my pension contributions was ruffly £2600 so I am going to have to do more Sunday work to even consider doing any more over payments.

I do have £200 invested in a project which I hope should do well next year so a nice overpayment from that will make up from missing some this year. Also I want to treat my partner to a nice meal if things go really well.

anyways this is a short update and a merry Christmas to all on the forum who read here.

speed out!