2008 MFW newbies

tootallulah

Thanks Torbrex for the signature information.

The Morrisons shop went well and I got all my lunches for next week. Two no spending days ahead whilst I sort out my flat now the builders have finally finished the kitchen and bathroom. It will be lovely to be dust free. The novelty of mountaineering over the entire contents of the kitchen cupboards to get into bed is wearing very thin.

That box of stuff to be sold on EBAY is growing and will form the basis of my extra payments in April when expenses will be low. I just need to find the digital camera, it's in one of the boxes from the kitchen!

belfastgirl23

Sorry bellsbells just realised that I should have given you the total as well I will do this next time but I must confess to getting a little tingle when I saw the total there unexpectedly (thanks for doing it!). Counting what I've already put in from my pay today that leaves me roughly a quarter of the way through my total goal which is perfect....tho I don't want to add it on yet since you never know I might have some more to put on. Though the way my £ is looking at the minute it is unlikely. Still £250 in for now. I'll update officially towards end of month.

Thanks again for doing this.

bellsbells

Drumroll please........

In Feb we have managed to pay off a whopping £10212.31:beer: :j

Well done guys - March here we come!!

bellsbells

Here is a copy of Febs totals in case any one wants to keep a record of how much they paid off in that month. The first post is now clear and ready for March.

bellsbells wrote: »

Welcome to the thread for everyone starting their MFW journey in 2008. Please feel free to join at any time and your name will be added to the list along with any specific overpayment goals you have for the year. I will do an update each month on our progress so we can see how we are all doing and offer each other support, ideas and encouragement!

There is no cut off point for joining the thread and the challenge (except the 31st December:rotfl: ) so if at any point this year you are ready to start working on becoming mortgage free please join us! Your target can be as specific or general as you like.

Good luck to all!

Goal for 2008/general aims Total so far Feb total

Poppyosaur - £2000 overpayment £500 £95
SPL - £5000 overpayment £1798.97 £1011.12
Elantan - £2000 overpayment £521 £265
Newmoneysaver - £1500 overpayment £600 £500
Lumpy Custard - Reduce mortgage to £20K £600 £
Wheelies - £343.20 overpayment £57.20 £28.60
Daft Pegasus - Reduce mortgage by £12000 £4036.93 £1449.12
Ms Cat - £2000 overpayment by end Nov £700 £400
MF2015 - £8900 overpayment £1750 £
Hummingbird - £4685 overpayment £300 £
TEENY -
Bellsbells - £2500 overpayment £640 £150
Atypicalblonde - £2500 overpayment £0 £
Frugalfreda - Overpay as much as possible £3000 £
Di-Dough - £3000 overpayment £363.22 £181.61
Torbrex - £2000 overpayment £333.94 £184.91
Violet Blue - Reduce mortgage to £23000 £1715 £1000
Belfastgirl23 - £2500 overpayment £436 £250
LouiseJ - £3720 overpayment £800 £490
Thriftyget - Sub 30K by end of year
Jay1 - Overpay as much as possible
Squiggly Diddly - Overpay something each month £200 £100
Kazzieg - Clear £35k mortgage
Zavarony - £3000 overpayment
Stripey Cheese Skirt - £3000 overpayment
SALTY69 - £3600 overpayment £600 £200
Emma_Nottingham - £1600 overpayment by 2/11 £169.40 £96.95
Macka0 - Pay off £5000 by October £715 £300
Kezza12 - £3000 overpayment £800 £600
Lifebegins - £6000 overpayment
George_jetson - MF in 2008
Chrisbee - £600 overpayment £50 £
Sheslookinhot - Reduce mortgage to £13000 £680 £340
Intheblackfinally -
DrGUID -
Lauren565 - £5000 overpayment £1,132 £
Cazzdevil -
Twinklie - £
Alion - £3000 overpayment £500 £500
Aliportico - £2000 overpayment £ £
Steveswift - £4000 overpayment £ £
Tootallulah - £4500 overpayment £1460 £810
Angel81uk -
howskint? - £3500 £ £
freaky-di - £1500 overpayment
broomstick27 - £500 £500
Gazella77 - £2000 overpayment £460 £460
Alli_baba2 - £4500 overpayment £ £
Loomacdon - £ £ £
Bargainhunter - £ £400 £200
I,m Sad - £ £ £
Clockwatcher - £500 overpayment £ £
Maximumtime - £4000 overpayment £ £
Hawksmuir - £1000 overpayment £100 £100
Courgette - £2000 overpayment £ £

torbrex

bellsbells wrote: »

Drumroll please........

In Feb we have managed to pay off a whopping £10212.31:beer: :j

Well done guys - March here we come!!

That is a fabulous amount, we all deserve a pat on the back for reducing our combined mortgages by that much and in turn 'cheating' our respective lenders out of the interest.
Well done bellsbells for doing the maths.:T

Squiggly_Diddly

Yes, well done BellsBells, we should all be very proud & deserve treats this weekend!!

I feel all warm inside, lol!!!

loomacdon

bellsbells wrote: »

Drumroll please........

In Feb we have managed to pay off a whopping £10212.31:beer: :j

Well done guys - March here we come!!

Congratulation everyone, fantastic result :beer:

Good luck to all for March.

poppyoscar_3

hi Folks

Poppyoscar reporting in!

Travel expenses for January, received Feb, amount to £261 so that's my starting figure for ovepayments this month.:D

Only thing is, when I overpayed my previous amount, I was charged £10 by Halifax as an admin charge. Is this normal? Can I avoid this in anyway? And who can do the maths to say how much I should put by before I pay in (if I have to pay £10) to make it profitable - if i have to pay £10 every month, that's £120 that isn't paid off my mortgage, so I'll save it up, but that kind of knocks the momentum on the head, and takes the satisfaction out of the whole process.

SPL - 30p bag of onions = lots of yummy French Onion Soup!!!!!!!

have cheap month everyone!!

PO

bellsbells

poppyoscar wrote: »

hi Folks

Poppyoscar reporting in!

Travel expenses for January, received Feb, amount to £261 so that's my starting figure for ovepayments this month.:D

Only thing is, when I overpayed my previous amount, I was charged £10 by Halifax as an admin charge. Is this normal? Can I avoid this in anyway? And who can do the maths to say how much I should put by before I pay in (if I have to pay £10) to make it profitable - if i have to pay £10 every month, that's £120 that isn't paid off my mortgage, so I'll save it up, but that kind of knocks the momentum on the head, and takes the satisfaction out of the whole process.

SPL - 30p bag of onions = lots of yummy French Onion Soup!!!!!!!

have cheap month everyone!!

PO

I don't know how normal it is to be charged an admin charge. Did you pay off the total or put it in an overpayment pot? It might be something to do with that. I am no expert however but I am sure there will be someone who has a Halifax mortgage along soon to advise.

aliportico

bellsbells wrote: »

In Feb we have managed to pay off a whopping £10212.31:beer: :j

Woohoo!

I can make that £10512.31 :j:D

Been away this week, got back late last night and have only just pm'ed bellsbells with my February total of £300.