Project Mortgage Neutral Begins

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  • ajmoney
    ajmoney Posts: 6,233 Forumite
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    I had my follow up appointment with the financial advisor today so my S&S ISA is now up to date and the new funds will be up and running in a few days. No money to round up today unless I start doing tens for the sake of it so I am holding off on that today.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    Sounds as if you had a rocky start, but got things got better as time went on, and you ended up really enjoying your holiday. :)

    You could always round down your mortgage to the nearest 10 on the days you
    do not have any bank accounts to round down :think: just a thought.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • ajmoney
    ajmoney Posts: 6,233 Forumite
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    A_Frayed_Knot wrote: »
    You could always round down your mortgage to the nearest 10 on the days you
    do not have any bank accounts to round down :think: just a thought.

    I like this idea!
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
  • ajmoney
    ajmoney Posts: 6,233 Forumite
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    £7.38 transferred to my mortgage...now my account needs rounding down to my ISA, maybe later :rotfl:
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    ajmoney wrote: »
    £7.38 transferred to my mortgage...now my account needs rounding down to my ISA, maybe later :rotfl:

    You've got the idea - :D;) :j
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • ajmoney
    ajmoney Posts: 6,233 Forumite
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    £7.38 tidied to the mortgage and £2.62 to my ISA. This way does mean I am making the extra OPs to the mortgage rather than our money but the mortgage interest rate is slightly higher so in the long run it will be more beneficial. So far this month I have tidied £83.17 to my ISA.


    Day 1 back at work today. I am doing my best to leave work at work which is quite hard for me to do, I nearly brought my notebook home to make a plan for tomorrow but stopped myself. Maybe I should get into the habit of making the plan before I finish each day in the hope it clears my head for the day.


    Today is the first day in 3 weeks that I haven't done any exercise or been for a walk. I am off out for a joiners and leavers social later but may see if I can fit in an hours walk before I go.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
  • ajmoney
    ajmoney Posts: 6,233 Forumite
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    £9.51 tidied to my ISA.

    Woke at 4.30 feeling rested and wide awake, finally went back to sleep and then woke to my alarm and feel rubbish. Why does that happen? I kept so well (for me) during my holidays, need to work at getting this back.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
  • ajmoney
    ajmoney Posts: 6,233 Forumite
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    £7.36 tidied to my mortgage rounding both accounts down to .00 and £2.64 tidied to my ISA.


    Off to run at an event in Stirling today. I originally booked the afternoon slot as I thought it would be easier to get across and park and now I wish it was the morning one so the car parks would be quieter!
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    Hope the weather stays dry for you.

    Re: your o/p the mortgage, you could always put the o/p rounding down for the mortgage into your isa, that way you would have an amount to round down the next day. (If you know what I mean).
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • ajmoney
    ajmoney Posts: 6,233 Forumite
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    A_Frayed_Knot wrote: »
    Hope the weather stays dry for you.

    Re: your o/p the mortgage, you could always put the o/p rounding down for the mortgage into your isa, that way you would have an amount to round down the next day. (If you know what I mean).

    Erm...my brain must be foggy as I can't work out what you mean. I blame getting ready to run!

    All this walking and a bit of running. I have set myself a little weight loss challenge by exercise alone and I think I may have blown this week's target out of the water. I don't believe the scales are correct so will see what they say tomorrow.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
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