Mortgage free in 2

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  • MM10
    MM10 Posts: 57 Forumite
    First Anniversary Combo Breaker
    edited 14 January 2018 at 10:49PM
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    Hi everyone,
    Christmas is over and there have been lots of traveling and spending. It was lovely to see family again;). So that was a good spend.:p

    January IVF has been nothing short of a disaster.:( Only one egg retrieved. Could have jolly well just ovulated on my own and be 4k richer. Anyways, I find out tomorrow if it even fertilized. May try one last time in March, if I can save enough.

    I managed to do some overtime work last quarter of 2017, so extra pay has brought main mortgage down to a nice round 32k.:j
    Total mortgage when started £256,809 in May of 2011; 2018 MFW #5
    Main mortgage was £214,309; now [STRIKE] £110,716 at Feb 2016 [/STRIKE]; [STRIKE] £63,645 at Feb 2017 [/STRIKE]; [STRIKE]£10,600 at May 2018[/STRIKE]
    Original repayment date 2036; Main mortgage free date [STRIKE]July 2021[/STRIKE]; [STRIKE]Dec 2020[/STRIKE]; [STRIKE]January 2019[/STRIKE] June 2018:)
  • MM10
    MM10 Posts: 57 Forumite
    First Anniversary Combo Breaker
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    Hi everyone,
    Things are going fairly well here ...


    Update on mortgage is that, company share program paid off so main mortgage is now down all the way to 19K.


    On the IVF side of things the egg did fertilize but stopped growing so nothing was transferred. I just cried and cried. Anyways. I am still paying for that treatment ... could have been mortgage free by now I guess .....
    Total mortgage when started £256,809 in May of 2011; 2018 MFW #5
    Main mortgage was £214,309; now [STRIKE] £110,716 at Feb 2016 [/STRIKE]; [STRIKE] £63,645 at Feb 2017 [/STRIKE]; [STRIKE]£10,600 at May 2018[/STRIKE]
    Original repayment date 2036; Main mortgage free date [STRIKE]July 2021[/STRIKE]; [STRIKE]Dec 2020[/STRIKE]; [STRIKE]January 2019[/STRIKE] June 2018:)
  • beanielou
    beanielou Posts: 90,299 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Good news on the mortgage.
    NOt such good news on the IVF :(
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • selloptape
    selloptape Posts: 632 Forumite
    First Post Combo Breaker First Anniversary
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    Sorry to hear that mm10 :(
  • Kittenkirst
    Kittenkirst Posts: 2,563 Forumite
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    Sorry to hear that MM x
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • newgirly
    newgirly Posts: 8,942 Forumite
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    So sorry to hear the ivf didn't work x
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • greent
    greent Posts: 10,671 Forumite
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    Sorry to hear that, MM xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    Good news regarding mortgage,

    and hopefully will be good news next time round with IVF.
    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
  • MM10
    MM10 Posts: 57 Forumite
    First Anniversary Combo Breaker
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    Hi everyone!
    Thanks Beanielou, Selloptape, Kittenkirst, Newgirly, GreenT and A frayed knot for your kind and encouraging words.:o

    I think this month is going to be a slow month as I try to settle off my medical expenses. I have decided to skip overpayment this month. The sheets just don't balance anymore.

    It's a shame to be so close to the end and meet this speed bump.:(

    It's all for a good cause so no regrets, just some sadness that I'm a bit off schedule. I hope to be back with overpayments by April. Fingers crossed.;)
    Total mortgage when started £256,809 in May of 2011; 2018 MFW #5
    Main mortgage was £214,309; now [STRIKE] £110,716 at Feb 2016 [/STRIKE]; [STRIKE] £63,645 at Feb 2017 [/STRIKE]; [STRIKE]£10,600 at May 2018[/STRIKE]
    Original repayment date 2036; Main mortgage free date [STRIKE]July 2021[/STRIKE]; [STRIKE]Dec 2020[/STRIKE]; [STRIKE]January 2019[/STRIKE] June 2018:)
  • beanielou
    beanielou Posts: 90,299 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    At the end of the day your health & well being is more important.
    (pot, kettle,black:o)
    Take care:)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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