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

11920222425

Comments

  • Sammie_1985
    Sammie_1985 Posts: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    edited 1 April at 9:09PM

    mortgage now at £184,610.54

    20 years 8 months remaining

    Next month our monthly interest should fall below £600.

    🏡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

    Picked DS3 up from holiday club the headed straight to the airport to drop hubby off for his flight, he’s now away until Monday afternoon and I’m a little bit excited to have the bed and tv to myself.
    we did grab a Maccy D’s but hubby paid so I’m not counting that as my spends! Back home now and the sun is shining, need to hang some washing out and Hoover downstairs then nothing else planned so I’ll probably read my kindle until dinner needs to be started.

    🏡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

    oh and if I make another overpayment of £160 this month that will be enough to knock another month off the mortgage so that’s my aim. Just need to let some bills come out first.

    🏡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


  • Well done you are certainly obliterating the mortgage, keep on going, Hurrah XX

  • Sammie_1985
    Sammie_1985 Posts: 257 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    edited 18 May at 9:42AM

    thank you @[Deleted User] you are always so kind and positive when you stop by here. X

    🏡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


  • Ditto hon, but you are doing so well XX

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

    Another NSD today 🎉
    I feel I’ve done really well with not wasting money this week, it was needed though!
    Tomorrow DS3 has his sensory group in the morning for 2 hours and I’m not sure what I’ll do with my time. I do need some bits from HB so may pop there, just need to grab washing pods and dishwasher tablets but I’m sure there will be more I remember once I’m there.
    DS2 bought me a bun from l!dl bakery today so I’m going to have that with a cup of tea in a bit, still full up from dinner at the moment.
    nothing much planned for this evening so think I’ll try and find something on tv and read my kindle for a bit.

    🏡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

    So I didn’t end up going to HB’s this morning, I dropped DS3 off at then came home and done some washing. I found a half opened bag of washing pods in a cupboard so decided to put off going to the shop until next week.
    Picked youngest up at 12 then came home for lunch and finished my kindle book. Gou$to was delivered today (not delivering tomorrow so a day early) need to have a look and see which meal the boys fancy for tea tonight.
    DS2 is on about going out for a carvery tomorrow evening as there’s lots of time slots left to book at our local Toby. Wasn’t planning much for Easter as eldest is working, hubby is away and youngest only eats nuggets but I’m thinking a carvery does sound good! Need to get that booked in a min.
    Should turn into another NSD today.

    🏡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

    Not much to update…..


    Council tax came out on Tuesday (£238 a month 😒) so I can have a look at what spends I need for the rest of the month and hopefully pay another overpayment to the mortgage.
    Took DS3 for a haircut yesterday and needed milk and bathroom cleaner - £22 including parking.
    Still managing not to spend much on ‘non essentials’ so I’m pleased with that.
    Weather today is showing 23 degrees down south 🤩 weekend looks naff though so I’ll enjoy drying my washing outside whilst I can!

    🏡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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