2008 MFW newbies

poppyoscar_3

Have a god time!!

PO xx

gaz2202

Hi all

I have been lurking on the site for a long time, and thought its time to post!
I'm becoming a MFW, and after reading all your interesting posts found it very motivating!

Last year I was 9k away from being mortgage free, sadly discovered the wife was having an affair,so had to remortgage! Anyways onwards and upwards!

My new mortgage is £77500 no over payments yet, but have started a "mortgage pig" a jar to stick my loose change in! (every little helps)

Gaz

warrior_princess

hi guys
its bn a long time ............
i thought i update my progress
i started my journey in june 08 - with a huge mortgage debt of 157k
decided 2 go in for a offset - put all my savings in a pot so started with 11k in credit
over d past 2 mth oh n me saved up n with stoozing we have added another 11k currently thr s 22 k in d pot n v r overpaying by 200 / m
in d current atmosphere v have about 7k in cask isa n 7k in sns isa
hopefully will keep us sailing thru

Moniker

Hi everyone, just popped in to update my signature. I made my £500 overpayment for August on Friday, but nearly had a heart attack when I discovered that the girl at the till in the BS had credited my mortgage OP cheque to my cash ISA (I gave her the book first to update the balance as I had done some online transfers). She corrected the error but I was worried that it would count as a payment towards my £3600 allowance for the year even though it came straight out. However, I phoned HQ afterwards and they assured me it will be ok (not that I will definitely have £3600 to put in - but I didn't want the opportunity taken away!). Anyway, balances are updated in my signature below. My normal payment goes out on 2nd of the month so it will come down again then. Good luck everyone - hope you are still all making progress how ever slight - every bit helps!

Love Moniker

Optimisticpair

belfastgirl23 wrote: »

Just popping in to declare my august total of my standard £280 making a total of £2115 for the year. I've been reading all your posts and am so envious though, if I make my overall target of £3500 (which frankly is looking a bit shaky) it amounts to 1.5% of our mortgage Still I guess this time 2 years ago I was spending that money on rubbish so every little helps as they say.

I can't seem to get a grip on my money at the minute, there's way too much month for too little money. And I'm off on hols next month (to the eurozone) which means a lot of spending...although hopefully will keep the regular payment up...

And welcome to the newbies...

Keep battling on and you will succeed, you are obviously managing . In the last 3 years at Uni I got a working week's break away but I just spent 10 MS days away at my OH's and I needed the break to get refreshed.

Ditto Welcome to the newbies good move guys.

Update - still not exchanged on our sale so a tad frustrated. One mortgage in hand waiting to be used and rabidly waiting to get house-moved and cracking on with the grand MF plan . :EasterBun

Note to self I Must try to have more patience

Di-Dough

Di-Dough checking in:D Overpayment for September is £149.28. Got very excited a couple of weeks ago when I got my Mortgage Statement to see all the extra payments made:j Good luck everyone.

Di-Dough

bellsbells

gaz2202 wrote: »

Hi all

I have been lurking on the site for a long time, and thought its time to post!
I'm becoming a MFW, and after reading all your interesting posts found it very motivating!

Last year I was 9k away from being mortgage free, sadly discovered the wife was having an affair,so had to remortgage! Anyways onwards and upwards!

My new mortgage is £77500 no over payments yet, but have started a "mortgage pig" a jar to stick my loose change in! (every little helps)

Gaz

welcome gaz!:beer:

bellsbells

Here we go folks - August totals!The first post is now ready for September

bellsbells wrote: »

Goal for 2008/general aims Total so for the year Total for August
1. Martinslovechild - MFW Graduate
2. Poppyosaur - £2000 overpayment £1656 £251
3. SPL - £5000 overpayment £7146.88 £1000
4. Elantan - £2000 overpayment £1146 £
5. Newmoneysaver - £1500 overpayment £1800 £500
6. Lumpy Custard - Reduce mortgage to £20K £5200 £5200
7. Wheelies - £343.20 overpayment £117.20 £
8. Daft Pegasus - Reduce mortgage by £12000 £6654.06 £
9. Ms Cat - £2000 overpayment by end Nov £700 £
10 MF2015 - £8900 overpayment £3750 £
11. Hummingbird - £4685 overpayment £550 £
12. TEENY -
13. Bellsbells - £2500 overpayment £1540 £150
14. Atypicalblonde - £2500 overpayment £0 £
15. Frugalfreda - Overpay as much as possible £3000 £
16. Di-Dough - £3000 overpayment £1261.98 £134.23
17. Torbrex - £2000 overpayment £5081.30 £3795.66
18. Violet Blue - Reduce mortgage to £23000 £13849.83 £12134.83
19. Belfastgirl23 - £2500 overpayment £2115 £280
20. LouiseJ - £3720 overpayment £2868 £350
21. Thriftyget - Sub 30K by end of year
22. Jay1 - Overpay as much as possible
23. Squiggly Diddly - Overpay something each month £500 £
24. Kazzieg - Clear £35k mortgage
25. Zavarony - £3000 overpayment £2000 £700
26. Stripey Cheese Skirt - £3000 overpayment
27. SALTY69 - £3600 overpayment £700 £
28. Emma_Nottingham - £1600 overpayment by 2/11 £361.35 £
29. Macka0 - Pay off £5000 by October £1500 £
30. Kezza12 - £3000 overpayment £2170 £300
31. Lifebegins - £6000 overpayment
32. George_jetson - MFW Graduate - became MF July '08
33. Chrisbee - £600 overpayment £50 £
34. Sheslookinhot - Reduce mortgage to £13000 £2708 £337
35. Intheblackfinally -
36. DrGUID -
37. Lauren565 - £5000 overpayment £1,132 £
38. Cazzdevil -
39. Twinklie - £
40. Alion - £3000 overpayment £2000 £500
41. Aliportico - £2000 overpayment £800 £
42. Steveswift - £4000 overpayment £1680 £
43. Tootallulah - £4500 overpayment £2670 £250
44. Angel81uk -
45. Howskint? - £3500 £ £
46. Freaky-di - £1500 overpayment
47. Broomstick27 - £500 £
48. Gazella77 - £2000 overpayment £490 £
49. Alli_baba2 - £4500 overpayment £3126.28 £
50. Loomacdon - overpay as much as possible £4427.48 £
51. Bargainhunter - £2400 overpayment£1436.30 £
52. I,m Sad - £ £ £
53. Clockwatcher - £500 overpayment £600 £
54. Maximumtime - £4000 overpayment £ £
55. Hawksmuir - £1000 overpayment £800 £400
56. Courgette - £2000 overpayment £245.75 £
57. Sofasurfer - £5000 overpayment £50 £
58. Teasel26 - £1000 overpayment £ £
59. 49clare - £ £800.44 £
60. ShakyStoozer - £ £ £
61. ShreksBodyDouble - £1000 overpayment £690 £
62. IDN101 - £ £ £
63. Sosh - £4000 overpayment £3001.34 £650.50
64. Oggieinglos -
65. Steve-o - £7200 overpayment
66. Daisydog - £
67. Skint2008 - £
68. Mischiefmaker - £1000 overpayment £40 £
69. Courgette - £1355.81 overpayment £310.06 £
70. Gillybean - £2000 overpayment £100 £
71. Birdstill - Reduce mortgage by 20k £15K £
72. Bigadd - Overpay by £3564 £ £
73. Bubblette - Offset as much as possible
74. Gustavlebon -
75. Pollys - £2400 overpayment £2860 £455
76. Savvymummy - £1000 overpayment £197 £
77. Overthetop - £5130 overpayment £2850 £570
78. Snaggles - Get mortgage to below 32k £1531.83
79. Oompahloompah - £ £ £
80. Dingling68 - £1500 overpayment
81. Abouttimetoo - £2700 overpayment £1550 £300
82. Sreppaw -
83. Aliwal - £1000 overpayment
84. Zebedy - £5000 overpayment £5370.77 £1065
85. Mustafa Say Ving - £5000 overpayment £585 £
86. Mrs Binsky - £6000 overpayment £3000 £
87. Mitchg - Mortgage free this summer
88. Shawtj2 - £600 overpayment by March '09
89. Bedhair - £1500 overpayment £300 £
90. Redmadcurls -
91. Moneysavingwannabe - £2250 overpayment £595 £
92. Ilovecookies - Overpay as much as possible
93. Warrior Princess - £22000
94. Fuzzipeg - Reduce mortgage by 9K £4000 £
95. Shirlgirl - Overpay £22500 £4123.69 £1323.69
96. SuiDreams - £500 overpayment £380.85 £145.71
97. Welshlassie - £240 overpayment £132.03 £
98. Jobags - Overpay 40K £32986 £640
99. Laurar3 - £1500 0verpayment £1347 £532
100. Cookie334 - Overpay £600 £334 £
101. Petscomer176 - Overpay £500 £152 £
102. Hels50 - Reduce mortgage to sub 60K
103. Vespa Rider - £3000 overpayment
104. Fluffysox - £2000 overpayment £2127 £
105. AJ1982 - £5000 overpayment
106. Noodles42 - £2000 overpayment £1857.50 £499
107. Gifford - £10000 overpayment £5000 £
108. Sportyjd - £1250 overpayment
109. Tro127 - £2008 overpayment £855 £
110. TurnaroundSue - £2000 overpayment £95.23 £46.08
111. LindsayO -
112. Floxxie - Mortgage down to 90K (target - £16433.79) July = £92167
113. Lilmil - £2500 overpayment £1160 £
114. Sunny Donny - £120 overpayment £50.71 £10
115. Ferguwat - £500 overpayment £400 £50
116. Nic283 -
117. Want2beMF -
118. Shineyhappy - £5000 overpayment £1000 £
119. Herewegoagain -
120. Llydaw - £2500 0verpayment £1192 £
121. SnaxO -
122. PsychoPrincess - £5952.60 overpayment £180 £
123. Zekepes - £12500 overpayment £3000 £
124. Newbird -
125. Lunar Eclipse -Reduce mortgage by £100K £1500
126. 2latenow - Reduce mortgage to £200k in 3 yrs £3031 £1016
127 Gladriel - £300 overpayment £1000 £
128. Optimisticpair -
129. Nellis10 - Overpay by £3000
130. Moominyak - Overpay by £2000 £770 £140
131. Bernlyn -
132. Lilac Pixie -
133. Moniker - £6000 overpayment £4000 £500
134. Polesana -
135. Little Orange - Overpay by £1500 £282.41 £282.41
136. Montillababe -
137. Leokiss -
137. LA83 - £130
138. Fivefifty - Pay off mortgage in 3 years
139. Topov - Overpay by £3000
140. Debjk -
141. Sky-blue pink - £1350 £150
142. Julie - Overpay by £9000 £3000 £3000
143. I, Brian - Overpay by £6000
144. Jexybird -
145. Lizziebell*80 -
146. Samantha1985 -
147. Earthgirl - Overpayby £6000 £4000 £500

belfastgirl23

Hi guys, well I'm popping by to declare my total for September, early I know but I'm heading on hols and figured if I didn't get the money gone it would be eaten up and realistically I'm not going to go over my 'normal' payment. So it's another £280 in, making a total of £2395 for the year. So I'm almost at my initial target of £2500 although in my mind I would love to make it to £3500 this year.

I have a feeling next month might be tough though - I'll have to see if I can make any overpayments then, although DH is finally due to be paid for three jobs he's been working on (self employed) which means he might be able to put something in the pot as well

Great to see all the totals above bellsbells, well done!

kezza12

Well it's official, this months standing order has dropped my mortgage below £50,000:j and the over payments that i am now paying are paying off all of my mortgage interest so my actual mortgage payment is coming straight off of my mortgage:D a big thanks to bells and the rest of you guys for giving me the motivation to do it. I got a pay rise this month also but me and the o/h decided to put the £50 extra towards savings as we still are not using the whole of our tax free allowance, but at least we're not squandering it on junk like we would have done last year! well I'm off on holiday next week but there's already £80 in my mortgage pig which will be banked before we go so that will hopefully bring this months total o/p to £280/300 if we put any more in (including standing order of course). hope you also have a nice get away Belfast girl:beer:.