Project Mortgage Neutral Begins

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  • ajmoney wrote: »
    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.


    I know what I mean, I just don't explain it very well :doh:so here goes;

    Instead of lowering your mortgage, your saving it in your isa. :D


    In other words, just use your mortgage balance as a target figure but pay into your isa and not your mortgage.


    I think my brain is starting to get foggy now :rotfl:and the light rain has just started here :( Hope your run goes well.
    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: 6,231 Forumite
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    I wondered if that was what you meant but wasn't sure. This may be a better idea as the money is still mine and "we" will still be oping to the mortgage. I am quite excited about seeing my ISA total increase each month, I don't normally pay into it that regularly.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £14950.12/£22787.04
  • juliejim
    juliejim Posts: 7,943 Forumite
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    Sounds like you had a good holiday in the end AJ and are getting yourself sorted. Is your house on the market now?

    Jue
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
  • ajmoney
    ajmoney Posts: 6,231 Forumite
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    juliejim wrote: »
    Sounds like you had a good holiday in the end AJ and are getting yourself sorted. Is your house on the market now?

    Jue
    Not yet, to be honest we have been slow to get the house in order. The plan is to paint the wall that needs doing tomorrow and then we should be about ready to get the house valued and decide who we want to use. I think I might be the one who needs to drive this, Mr AJM doesn't have much get up and go at the best of times.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £14950.12/£22787.04
  • ajmoney
    ajmoney Posts: 6,231 Forumite
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    That is the toughest running event I have done. I haven't done much training so it was never going to be easy and wasn't helped by a very tight shin early on but I adopted a run/walk approach and finished it and don't seem to be as sore now.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £14950.12/£22787.04
  • ajmoney
    ajmoney Posts: 6,231 Forumite
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    £7.48 tidied to my ISA.


    We have done a lot of touch up painting, the kitchen walls and the railing outside today. Hopefully by the end of next weekend we will be in a position to call some estate agents.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £14950.12/£22787.04
  • ajmoney
    ajmoney Posts: 6,231 Forumite
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    £7.95 tidied to my ISA.

    A long day today, day 1 of a first aid course that I have organised so will be glad when everyone is sitting in the classroom. Swim training at 6 and the taking our HQ out for a late dinner at 8.30. I think I have just enough time to get to work after swimming and head into town.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £14950.12/£22787.04
  • ajmoney
    ajmoney Posts: 6,231 Forumite
    Name Dropper First Anniversary First Post
    £3.37 tidied to my ISA.


    It has been a very long day of powerpoint :eek: I didn't have much enthusiasm by the end of the day. Went out for a run with the triathlon club but that didn't help my mood much so think an early night is in order.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £14950.12/£22787.04
  • ajmoney
    ajmoney Posts: 6,231 Forumite
    Name Dropper First Anniversary First Post
    I had nothing to tidy yesterday and my life was so hectic I didn't really think about it. Nothing to tidy either so I might transfer £10 to my ISA.
    MFW 2024 No. 7 £400/£1200 MFiT-T6 No. 70 £14950.12/£22787.04
  • I like your mindset...If you have nothing to tidy, then find something to tidy... If our account is "tidy" I always "tidy" £1 as a reward for tidiness...!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34

    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
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