I wanna be mortgage free!

twinklie

Mortgage at start of January: £ 39'767.97
Overpayments in Blue.
Interest in Red.
Balance in Green.

Month: Payment (Std / OP) / Interest (per day) / Net reduction / Balance

January: 450.00 (328.81 / 121.19) / £178.62 (£5.76) / 271.38 / £39,496.62
February: 450.00 (328.81 / 121.19) / £177.48 (£6.34) / 272.59 / £39,224.03
March: 450.00 (328.81 / 121.19) / £176.18 (£5.68) / 273.82 / £38,950.21
April: 450.00 (328.81 / 121.19) / £174.95 (£5.64) / 275.05 / £38,675.16

Totals: Payment / Interest / Net reduction.
Grand Total: 1800.00 / 707.23 / 1092.84

Balance outstanding: £38,675.16

And to make matters even better.....I'm off now for 2 weeks AND a day!! :j

Annie021063

[

And to make matters even better.....I'm off now for 2 weeks AND a day!! :j[/QUOTE]
Me too - 17 lie-ins!!!! Bliss

twinklie

Right this list will probably seem rather excessive...but needs must.

1. Year 7 reports. 27/47
2. Mark coursework - year 10
3. Mark coursework - year 11
4. Write questions for Ideas and Context
5. Plan P6 lessons.
6. Finish Jungle SOW
7. Plan lessons for year 7
8. Plan lessons for year 8
9. Plan lessons for year 10 additional.
10. Plan lessons for year 11 core
11. Plan lessons for year 11 additional.
12. Do reading for MA assignment.
13. Write differentiation assignment.
14. Do reading for Disertation prep.
15. Write assignment 2.

I'm already off to a rubbish start given I said I'd write some of my reports tonight and i have so far done NOTHING!

twinklie

Right I've done one class set of reports already. Going to get DH up shortly and then I'm going to crack on with my household chores.

I will achieve things today! I WILL!

Annie021063

Your list looks like mine!
I have 5 red lines through stuff so far and plan on working through some today as everyone else is occupied elsewhere. I have 1000 word critique for my MA to do over hols and a 2 day residential at Uni for my MaST programme.
Good luck with jobs, I have applied for 2 today, I am happy where I am but we have new head in Sept and I really want to move on quickly and feel I may have to 'waste' a year before he gets his feet under table - I do not have years to waste at my age if I want to get to deputy stage. I have applied for TLR maths in primary and private year 5,6,7 maths teacher, we shall see!

twinklie

Well, I have done nothing. One more day of going out, Easter Monday is important in my family, so we are having a meet up. Then the rest of the week is dedicated to work work work. Although I am meant to be going climbing on Wednesday with DH and his friends.

Went out last night, and am VERY hungover today. Also had the worst argument with DH we've ever had. All my fault in my drunken state unfortunately. Feeling really bad about it today but he's been lovely to me since he told me what he thought and forgave me. He's so lovely.

Incidentally Annie, do you have a diary?

Annie021063

twinklie wrote: »

Well, I have done nothing. One more day of going out, Easter Monday is important in my family, so we are having a meet up. Then the rest of the week is dedicated to work work work. Although I am meant to be going climbing on Wednesday with DH and his friends.

Went out last night, and am VERY hungover today. Also had the worst argument with DH we've ever had. All my fault in my drunken state unfortunately. Feeling really bad about it today but he's been lovely to me since he told me what he thought and forgave me. He's so lovely.

Incidentally Annie, do you have a diary?

NO twinkle - just like reading others!

twinklie

Right google is NOT my friend.

Went for a smear test yesterday, apparently I have a very vascular cervix. Which may mean my results won't come through correctly. Sooooo she said I'd have to go back to be cauterized!!! Little scary.

I'm really hoping the smear result comes back ok though...not only do I not want to have another smear before I'm due (3 years), I don't want anything to be wrong. Obviously a search on google highlighted horror stories! Doh! When will I learn?

I also had another appointment with the doctors. Apparently I'm still suffering with the flu. I've been ill since October now and I'm STILL ill. So I have more meds to try and make me better. I feel a bit like I'm dropping to bits at the minute. REALLY not happy. I just thought I had a cold...the doctor looked at me like I was mental. I'm sure it's psychosomatic though...today I feel really ill.

Not to mention DH STILL hasn't been paid. His uni are really messing him about with his wages. He was £5 off going over his agreed O/D limit!!! :eek: But my standing order has cleared in his account now, so we have a bit of leeway.

Not to mention had to fork out £259.99 for a full service of the car. That showed up that we need to pay £100 x 2 for new tires and £150.50 for some new brake pads. Grrr...but we can't do that till DH gets paid. Typical.

This holiday is not quite the lovely relaxing break I'd planned. DOH!

TylerD

the secret to paying off your mortgage is to keep short term realistic goals and make sure you stick to them.

TylerD

i also found cutting out unnecessary treats (cigs & beer) but still keeping the odd treat like the cinema or a nice bottle of wine