Knocking years off the mortgage…that’s the goal!

debtfreewannabe321

Have fun this evening that sounds like a nice evening in 😊 we bought some murder mystery games over Christmas and they were really fun to do! Way better than just sitting in and watching TV. 

I was also glad for payday yesterday it seemed a long time coming this month 🤣🎉.

KajiKita

debtfreewannabe321 said:

Have fun this evening that sounds like a nice evening in 😊 we bought some murder mystery games over Christmas and they were really fun to do! Way better than just sitting in and watching TV. 

I was also glad for payday yesterday it seemed a long time coming this month 🤣🎉.

I’m still waiting … Last working day of the month here … 😳😂😂

KK

Sammie_1985

debtfreewannabe321 said:

Have fun this evening that sounds like a nice evening in 😊 we bought some murder mystery games over Christmas and they were really fun to do! Way better than just sitting in and watching TV. 

I was also glad for payday yesterday it seemed a long time coming this month 🤣🎉.

Thank you! We bought 4 for Christmas and are onto the 3rd now, they are great fun.  And yes I agree….much more fun than sitting and watching tv! 

Yay for your payday too 🤣 💷 

Sammie_1985

So today ended up a spendy day….
hubby decided to crack on with sorting the ensuite ceiling, we’ve had a problem with mould on the ceiling above the shower. After going into the loft and thoroughly checking it he’s come to the conclusion that because there was no insulation above the shower it was causing the mould due to the ceiling staying cold. He’s now covered the area in insulation.

He also decided to fit another fan which blows air into the Ensuite (we have no windows in there) then we have the fan which draws the air out 🤷🏻‍♀️ I don’t really have a clue, something about circulation? but he’s a ‘tradesman’ so I’m hoping it’s right this time 🤣 

new fan has been fitted, ceiling scraped and he’s now prepping to re paint with some expensive mould paint which does well in high humidity areas apparently 🤞🏼 
so total spends 
paint - £44
fan - £96

gou$to box has arrived so need to unpack and decide on dinner this evening. 

Sammie_1985

Yesterday was Top up shop day. Spent £64.79 which included cat food. 

We have lots of flooding on the roads where we are this morning so I don’t think I’ll be venturing far. DS2 is going to walk to the train station this morning for uni as what should be a 10 min drive is apparently taking 45 mins! Luckily it’s stopped raining now. 

Need to pay for DS3’s school trip (£75) and a holiday club session for Feb half term (£45) this week. Luckily it’s a council tax free month next month  🙌🏼 I really wanted to pay the council tax payment off the mortgage but it’s going to be quite an expensive Feb. Might leave it in my account until nearer next pay day and see how finances are looking. 

Sammie_1985

So after having a think about what I had to pay out for this morning I decided to just bite the bullet and pay for DS3’s school trip in full 2x payments were left at £75 each. Just paid the full £150. 

Also transferred £300 into savings (I usually do this after mortgage comes out) 
I just wanted all the ‘big’ payments gone so I know how much we are working with for the rest of the month. 

Just the £45 for holiday club to pay but the school haven’t added that to my online account yet. Will pay that once it is showing. 

Sammie_1985

Oh and after my plum depositor yesterday I now have just under £150 saved in 2 weeks! 

Luckily I turned on the rainy day feature and it’s rained everyday since 🤣 
nice to know if I need the money I can transfer it back but at least it’s adding interest in the meantime. 

Sammie_1985

the rain has finally gone 🙂

Hubby transferred me £100 to pay towards the mortgage today, I had a look online and if I transferred £320 (£220 for council tax free month for Feb and £100 from hubby) then it would clear another month! So that’s what I’ve done. Was umming and ahhing but then thought….if I did have to pay my council tax this month then I’d pay it so it would be a bit silly not to put the money to good use.

mortgage is now £188,280 with 21yrs 3mths left.

Sammie_1985

back from a morning in town, tagged a long with a friend but I didn’t end up spending anything.
Mortgage account has updated with the overpayment from yesterday 🙂

Need to crack on with some jobs around the house:

• polish lounge
• Polish DS3’s room
• Hoover
• Dry washing
• Book cat in for vaccinations at vet

Sammie_1985

£500 overpayment paid today.
mortgage direct debit comes out tomorrow with the standard £100 overpayment so will check again tomorrow for updated figures once everything has cleared.