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

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Comments

  • Sammie_1985
    Sammie_1985 Posts: 259 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    mortgage overpayment is now showing

    £187,204.81 / term remaining 21yrs 1month

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 2Months

    🏡Mortgage Now - £183,300.00
    💫Term Remaining (With Overpayments) - 20yrs 5Months

    🗓️245/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £4025.75/£7000

    💰EF - £6500/£10000


  • KajiKita
    KajiKita Posts: 10,131 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Excellent OPs 😊👏

    KK

    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 33 books of target 52 in 2026 as @ 20th May. 
    Produce tracker: £119 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Sammie_1985
    Sammie_1985 Posts: 259 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    thank you!

    Went out this morning with a friend and ended up with a really bad headache and feeling sick. Came home and took some Paracetomol and went to bed until DD3 was due home from school. Ended up falling asleep on the sofa again before dragging myself up for a shower to try and help relax.
    feeling a bit better now I’ve eaten but will make sure I get an early night. DS3 has been waking up at 4am for the last few mornings so I’m hoping it was just tiredness, the melatonin gets him to sleep but doesn’t keep him asleep unfortunately! 😴

    Ended up spending £16 on a reed diffuser from Dunelm.

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 2Months

    🏡Mortgage Now - £183,300.00
    💫Term Remaining (With Overpayments) - 20yrs 5Months

    🗓️245/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £4025.75/£7000

    💰EF - £6500/£10000


  • I am sorry to hear you are sleep deprived, hopefully not now and that is all it is. Wishing you warm and well. XX

  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Fantastic work on the OPs Sammie!

    Hope you get a good night's sleep tonight ❤️.

    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • beanielou
    beanielou Posts: 99,766 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Hope you sleep well tonight.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Sammie_1985
    Sammie_1985 Posts: 259 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    edited 18 May at 9:42AM

    Thank you @[Deleted User] @debtfreewannabe321 and @beanielou

    I have woken up feeling so much better today. I ended up going to bed at 8.15pm and was asleep by 8.30pm. I have woken up with a rash all down my neck so not sure if that is connected to not feeling great yesterday but I feel good in myself.

    Today should be a NSD 🤞🏼

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 2Months

    🏡Mortgage Now - £183,300.00
    💫Term Remaining (With Overpayments) - 20yrs 5Months

    🗓️245/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £4025.75/£7000

    💰EF - £6500/£10000


  • Sammie_1985
    Sammie_1985 Posts: 259 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    I managed a NSD today. 🙂

    Went to see a friend today. We were going to go out for coffee but decided to stay at hers instead. Came home and chose the meals for our next Gou$to box this afternoon then caught up on housework.
    Hoping to finish off my kindle book this evening if not tomorrow morning. No plans for the rest of the week and hopefully no big spends for the rest of the week too.

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 2Months

    🏡Mortgage Now - £183,300.00
    💫Term Remaining (With Overpayments) - 20yrs 5Months

    🗓️245/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £4025.75/£7000

    💰EF - £6500/£10000


  • Sammie_1985
    Sammie_1985 Posts: 259 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    think I have managed 2 NSD’s this week so far! Was hoping for more but I decided to grab some food for over the weekend yesterday (having a cooked breakfast on Sunday) ended up spending £43.65

    Hubby is working today and I don’t have any plans, the big clean was done yesterday and managed to change all bedding so just a case of catching up on washing said bedding / towels etc.

    only about 100 pages left to read on my kindle book do today will be spent pottering round house and finishing book.

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 2Months

    🏡Mortgage Now - £183,300.00
    💫Term Remaining (With Overpayments) - 20yrs 5Months

    🗓️245/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £4025.75/£7000

    💰EF - £6500/£10000


  • Sammie_1985
    Sammie_1985 Posts: 259 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    NSD yesterday 🙂

    Had a lazy morning so far and about to start cooking breakfast soon.
    Heading into the last week before half term, need to contact school to add holiday club payment online so I can pay that (£48) but don’t ’think’ I have many big spends left for the month, nothing planned anyway! March is an expensive month with hubbys birthday, DS3’s birthday and father in laws birthday so need to be saving the pennies for then!
    I still have £50 amazon vouchers from Christmas but wanting to save that for a treat….but there’s nothing I need or really want at the mo 🤷🏻‍♀️

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 2Months

    🏡Mortgage Now - £183,300.00
    💫Term Remaining (With Overpayments) - 20yrs 5Months

    🗓️245/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £4025.75/£7000

    💰EF - £6500/£10000


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