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

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Comments

  • Bravo, keep up the OPs, good work, Bee XX

  • Sammie_1985
    Sammie_1985 Posts: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    edited 16 March at 10:13AM

    oh thank you! I really hope so. Do I need to go down the tough live route and ignore her at the door do you think?
    She’s been sleeping in my egg chair at night because she goes out through the flap after we’ve gone to bed but won’t come back in 🙁 I’ve tried locking them in at night but then they cry because they want out!

    🏡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: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    £100 overpayment sent to mortgage.

    🏡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: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    This past week has been expensive 😣
    tracking done on the car, 2 new front tyres, mot test, hubbys birthday, DS3’s birthday and our wedding anniversary. My bank account is crying!

    Pay day is Monday so at least I’m not broke for long 😜

    DS3 went on his school trip last Wednesday and came back yesterday so today I’m catching up on washing (yay fur sunshine!) and we’ve managed to get most of the leaves bagged up from the garden, hopefully we can do a bit more tomorrow but the patio is still quite wet in places.
    We grabbed a quick ready meal for dinner this evening and some garlic bread to stop us ordering a take away later. Gou$to box arriving tomorrow so back to cooking properly then.

    🏡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: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    pay day yesterday.
    yesterday was also a NSD…..today not so much!
    £180 paid for DS3’s holiday clubs over the Easter holidays.
    off to a friends house today, will try and pop into her local supermarket if I have time afterwards to grab milk and fruit.

    🏡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


  • Hi Sammie, I would say buying for kids activities is essential - but it is up to you. XX

  • Sammie_1985
    Sammie_1985 Posts: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    hi crazy, yes I suppose you’re right. I just look at any money that isn’t a ‘bill’ as a non essential spend but don’t think that’s a very practical way of looking at it!

    Spent £9.45 at the supermarket yesterday on fruit and milk. I do need to go the our local bargain shop today and grab some artificial grass cleaner so should be another LSD.
    I did spot online yesterday that a not for profit cafe has opened up near us, they hire young adults with additional needs and the food/drinks are so affordable. We have planned to go visit there on Saturday to show our support. I’ll probably take DS3 there over the Easter holidays too. It’s only about a 15 min walk from my house so will be perfect to take a stroll there in the warmer weather.

    🏡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


  • beanielou
    beanielou Posts: 99,736 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Really hopes the cafe thrives.

    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: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    me too @beanielou ☺️

    Managed to just pick up artificial grass cleaner and mouthwash yesterday so was very pleased with myself! Usually I’ll come out with a basket full of stuff I don’t need!

    School finishes tomorrow for Easter, they only have half a day so I’m going to crack on with my big clean today as I have no plans. Hoping today and tomorrow will be NSD’s. 🤞🏼

    🏡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


  • Hi Sammie,

    Why don't you do a motivational list to cross off, you'll feel the benefits, and we can cheer you on.

    XX

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