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Mortgage free wannabe part 2
Comments
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So another £0 day today
3/31 this month so farMFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)0 -
4/31 £0 spend days
so doing well
MFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)0 -
£6.50 spends today
So not too bad
MFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)0 -
5/31 no spend days
finding this week hard, definitely need a different career , too much stress!
got a few days off next week which i need.
we will see how much pay is left over.
MFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)1 -
Not doing well on no spend days this weekend, daughter partner birthday so treated them to spoons Friday night and meal yesterday.
should still be able to overpay mortgage and put a bit in holiday fund.
Just 5 days til new spending allowance kicks in and i can see how much of wages can be saved.
counting down.
should have a few more £0 spend daysMFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)2 -
£6 ish McDonald’s yesterday
2x meal, saver
been good on spends last week so had a bit left over to save this month.
Really cut going out, spent about £300 on meals over last month and that’s definitely something that can be reduced and it will help the waist line!
£150 xtra holiday paypal
£200 daughter bday money
£200 euros for holiday
£90 mortgage ish, will round down to nearest £100
just see how much interest this month, it’s interesting how it goes down then seems to go up a bit even though you have less money in there and you are on a fixed rate, wonder whyMFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)1 -
The fluctuation in the amount of interest charged is probably due to different numbers of days in the month?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
Thanks that would make senseSouth_coast said:The fluctuation in the amount of interest charged is probably due to different numbers of days in the month?MFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)1 -
Same here, it's due to the number of days, sometimes wishing every month was a February
Mortgage: £173,700 Sep 22 £159,300 Sep 25
MF Date: Sep 52 Mar 52
2025 Challenges:
EF #84 | MFW25 #51 | MFiT-T7 #5 | Pay off all your debts by Christmas 2025 #34
2 -
I’m awake at stupid o’clock but luckily it’s a day off tomorrow, sorted all my payments out as it’s payday, hubby’s payday is in couple days so sort rest out then.
then wait for mortgage payments and put a little more in OP
have overpaid £500 more this month so balance is nearing a 6 starting number, seemed to drag it’s self to that number and still won’t be there this month.
MFW 2027
£306.99 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 26
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
house improvement/holiday £1700/3000
Barclaycard £5500( 0%) Deal ends April 2026.
2nd 0%CC £600 (deal ends after paid off)1
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