Mortgage free in 4 years

Sensiblesaver

Just made another OP thanks another refund from something I no longer needed. £138 OP made today bringing total this month to £752.59.  I still have one of my ISAs interest to add, probably about £50. I also added £100 into my son S&S ISA today. I have not added much this year due to change of jobs, reduced income. We bought a mattress last February and I pay £100 a month, once that finishes I will add to his ISA.

Sensiblesaver

Another small OP of £58 sent today, some interest from my saving  and I wanted to round it up so the total OPs for this month was £810.79. I also called my mortgage to change the direct debit to the 7th as I now get paid on 5th and 15th of the month and I keep having to move money from savings to cover the mortgage on the 1st. They re-calculated the amount I need to pay and because of the OPs I have made it has gone down by £250 a month, but I will ignore it and continue to OP the same amount. Minimum OP now should be £800.

Next year I will start increasing the amount I overpay, at the moment I still invest into my ISA. not as much as before, but my accessible investments have gone over 100k (106K), so I am focusing on pension and mortgage whilst I am still increasing my income.

I'm off today but had quite a lazy day (I did manage to go for a quick run, 4k) as dog kept us up all night with a bad stomach, had to take her outside a couple of times and she had an accident in the bathroom, bless her. But I'm knackered today, good thing I don't work on Mondays. I'm talking to my boss tomorrow about dropping a day as I have been offered a day at another place, hope it goes well.

Sensiblesaver

I had a great day at my job yesterday, which is good as one of the places I work is very quiet this month. I'm glad I work in 2 different places. I should get £100 for a survey I did on Friday, it was 1 hour during my lunch break, but nice easy money not to be sniffed at . I will make an OP once I receive it, or maybe buy some sunglasses as I lost mine during our last trip and am going away early January and will definitely need a new pair.

I woke up early and have updated ynab, budget very tight until I get paid, but we are still on budget, and I have some money set aside for DH birthday on Thursday, food shop has been done, so it should be ok.

Proper winter weather now which makes me just want to snuggle on the sofa, but I booked a gym class later and will go and take the dog for a little walk in a bit.

Sensiblesaver

Had a very lazy day yesterday, couldn't be bothered to do much, but I did take the dog out for a long 1.5hs walk at least.

We managed to finish the month on budget and had £50 spare on the gifts category, so just made a £50 OP to the mortgage today. I don't get paid until 5/12 but DH transferred his contribution so budget is ok until I get paid. Mortgage now goes out on the 7th so I will make an OP after I get paid. I keep playing around with my budget spreadsheets and I'm in 2 minds over should I OP all my spare money this month or split between ISA and mortgage? Very keen on making a bigger OP this month, have till Friday to make my mind out.

Sensiblesaver

Mortgage balance was -£174,714 so I just made another OP of £14 to round down the number(will just move the money from the Christmas pot). This OP obsession is real lol. Now I will stop looking at my spreadsheets for a few days as not much will happen unless I win something on premium bonds tomorrow

Mortgage balance now -£174,700