Mortgage free in 4 years

Sensiblesaver

This week has been very quiet at work, so I am going late today, don't need t go in until 11am. I will use the time and exercise as I have not managed my morning routine this week and only went for a run on Tuesday. A colleague has been let go and we also had a work meeting that left the team feeling a bit frustrated so that has been on my mind.

I received £30 from one of my investments yesterday and sent to the mortgage. I love these little OPs over the month. Today I got the message from my cleaner to say she is not coming tomorrow, so I also sent the money I would've paid her plus some more interest to the mortgage, another £60 OP. Mortgage balance now -£190,160

Sensiblesaver

This month has flown by so quickly. Work has been a bit quiet so I have been going in late and getting home earlier for a change, at least I can take the time to rest and recover. Payday came and I sent £500 OP to the mortgage. The plan was to send more but washing machine broke, we need to replace a fence panel and we might be getting a new mattress, in other words, life is getting in the way lol. At least I sent some OP already and mortgage is now into the 180s . Current balance -£189,645

Sensiblesaver

Today I sat down and updated my budget on ynab. I ended up sending another £315 OP.  Mortgage balance now -£189,345. The normal payment will go through on Monday and after I see the balance and receive the interest from my ISA I will send a bit more to round down the balance. I completed dry January and will have a nice glass of wine tonight with a chicken, leek and mushroom pie for dinner.

January was a great month healthwise, no drinking, sticking to my morning routine, lost 2.5kg, tested my cholesterol and it has gone down, I'm feeling great Work was quiet but I managed to do reasonably well and my march salary will be higher than this month. I have gone to the gym today and also had a long walk, now off to do some yoga as I was getting some back ache this week and yoga really helps

Sensiblesaver

Mortgage payment went through and I made another OP, total OP this month £1323.57. Current balance -£187,995.

Having a nice week so far, have managed my morning routine, went for a run this morning, even though it was freezing cold

LadyWithAPlan

woohoo to being in the 180s now and £187…… 
I am also impressed with your running in this weather 

Sensiblesaver

Thank you @LWAP , running in this weather keeps me sane, so cold, grey and miserable

Left work early as it was really quiet. At least I get to spend time at home, just can't wait for the weather to get a bit nicer

Sensiblesaver

Payday came and went and after doing my budget I sent an OP £573.25. Smaller OP this month as we are going skiing and I need to pay for the spends there. I'm looking forward to a week off work. Weather has been getting better and it's lovely when its sunny but still very cold in the mornings and I managed to catch a cold so not exercising much. 

Mortgage balance now -£186,500

Sensiblesaver

Just got an e-mail from premium bonds saying I won £100 . Once I receive it it will go to the mortgage. Considering I only have £1250, that's not bad return. 

AgathaSquirrel

That’s a very good return. Can’t remember the last time I won anything but I did notice a million pound winner with a very small investment recently so we can live in hope!

Sensiblesaver

I know. I am quite sceptical of premium bonds, but you never know. Better than playing the lottery and I have won 4 prizes so far £500, £25, £25, £100 in 18 months, so not bad at all