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

[Deleted User]

Hi Sammie, I am glad your Christmas went well and you had fun. Enjoy the peace tomorrow afternoon. Enjoy Twixmas, all the best CrazyXXX

Sammie_1985

Thank you @[Deleted User] X 

Sammie_1985

Decided to take down the Christmas decs today, gave downstairs a really good clean through and hubby is now preparing an early dinner as I’m off to the cinema tonight with my friend to watch The Housemaid. 

Going to try to clean the other 2 floors tomorrow (4x bedrooms and 2x bathrooms) also need to pop to the shop and grab some bits for our New Year’s Day roast. 

Had our Gou$to box delivered on Sunday so enjoying eating actual food again rather than chocolate and crisps! Low spend day today, friend paid for cinema tickets so I’ll grab the sweets! 

Sammie_1985

Mortgage payment came out today along side £100 overpayment. 

Now sitting at £189,128.65

Have just finished our roast dinner and off out to do an escape room this evening with the boys. Hoping to make another overpayment tomorrow. 

[Deleted User]

Sammie_1985 said:

Mortgage payment came out today along side £100 overpayment. 

Now sitting at £189,128.65

Have just finished our roast dinner and off out to do an escape room this evening with the boys. Hoping to make another overpayment tomorrow. 

Enjoy & Well done on the OPs XX

Sammie_1985

Thank you @[Deleted User] and Happy New Year to you! Hope you had a lovely day. 

We had a great time and managed to ‘escape’ with just 3 minutes remaining! Will definitely go back and do another one soon. 

[Deleted User]

Personally I hate the idea of being locked in somewhere, but that is just me. I am glad you had a good time. My niece, her partner and her friends all do them, actually they have done many of them and really enjoy the experience also. 

Sammie_1985

I can understand that @[Deleted User] some people wouldn’t like the idea at all. 

Made a £500 overpayment today to the mortgage bringing our outstanding total to £188,628.65 and another month off the mortgage 🎉 now at 21yrs 4mths left to pay. 

Sammie_1985

Managed a NSD today. 🙌🏼 finally! 

Caught up on the first 2 episodes of Traitors with DS2 and made sure youngest bits and bobs were all ready for school on Monday. Hubby was back at work today so was very strange not having him here. Overpayments are showing on online mortgage account now. I do need to transfer £300 into savings so will make sure I do that this evening. 

 

Oh and our LTV is roughly 51.68% 
so close to owning half our home now 🙂

Sammie_1985

£300 sent across to savings. Sitting at just under £4000 now. We did have just under £10,000 last year but leant DS2 some money to buy a car and he’s paying us back each month. 

Might actually set a savings goal for £9000 by the end of 2026. 🤔