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I wanna be mortgage free!

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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture Combo Breaker
    Oooo yay!! where are you going? :) I have made mrtyo watch it at least twice- surprised he is still talking to me poor man! :rotfl:
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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
    May: 450.00 (328.81 / 121.19) / £173.72(£5.60) / 276.28 / £38,398.88
    June: 450.00 (328.81 / 121.19) / £172.47(£5.75) / 277.53 / £38,121.35
    July: 450.00 (328.81 / 121.19) / £171.23(£5.52) / 278.77 / £37,842.58
    August: 450.00 (328.81 / 121.19) / £169.98(£5.48) / £280.02 / £37,562.56
    September: 450.00 (328.81 / 121.19) / £168.72(£5.62) / £281.28 / £37,281.28
    October: 450.00 (328.81 / 121.19) / £167.46(£5.40) / £282.54/ £36,998.73
    November: 450.00 (328.81 / 121.19) / £166.19(£5.53) / £283.81/ £36,714.92
    December: 450.00 (328.81 / 121.19) / £164.93(£5.32) / £285.07/ £36,429.85

    Totals: Payment / Interest / Net reduction.
    Grand Total: 5'400.00 / 2'601.93 / 3'320.14

    Balance outstanding: £36,429.85
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ha ha ha...yeah, my DH would defo have left me if I tried to make him watch it. I've just updated my mortgage payments etc. And I can't help but feel disappointed. It's such slow progress. I wish I could chuck a massive lump of money at it just to get it sorted. But alas, no.

    I'm going back to the US, to where I lived for a little while. CANNOT wait!!!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • cha97michelle
    cha97michelle Posts: 5,818 Forumite
    Part of the Furniture
    Enjoy the break. :D

    And Genius your idea of timing the flea stuff with the mortgage payment. Simple but effective. :D
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok thinking secret santa again. Could I buy my HOD some rhino poo in a box! He loves gardening and growing his own stuff...just struck me as really funny. Would also leave me £5 to buy him something else. Means he can grow a banana plant. He'd never suspect it was from me either because I'm terrified of bananas.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    twinklie wrote: »
    I'm terrified of bananas.


    ???? please explain!!!!! :rotfl:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ahem...I have a phobia of bananas...have done since I was a child. They just really freak me out and I don't like being near them! You trying to say thats weird or something. I don't like looking at them either. They are just wrong!!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Argh...just wrote a really long post then deleted it! :(

    I've been a busy bee tonight, picked up parcel, been to vets to drop off claim form, picked up food for Belle, filled up the car, cooked and ate tea, took Belle out and fed her and put on a wash!

    Not bad since I got it all done by 7pm. Phew...I'm pooped now.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I still need to research car hire, and taxi verses secured parking at man airport. As well as plan a few odds and sods for tomorrow/Wednesday.

    Nearly there....nearly there.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Car hire of a Jeep Liberty £401 for 15 days.
    Airport parking between £35 - 73. Looks like this will be cheaper than a taxi, which is £70.

    Decisions decisions. Now if only this bloomin' credit card would turn up (0% on purchases for 12 mths) I could crack on and book stuff.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
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