My big financial challenge to mortgage freedom

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  • tattycath
    tattycath Posts: 7,175 Forumite
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    I’m so tired tonight. Even when I get the opportunity to sleep in, my body says wake up! Right, off for an early night. Hoping my body doesn’t wake me any earlier than it usually does-apart from the habitual pee in the middle of the night :rotfl:
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
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    Another no spend day today . :j
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • jwil
    jwil Posts: 19,128 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    Congrats on the NSDs :T
    "If you can dream it, you can do it". Walt Disney
  • tattycath
    tattycath Posts: 7,175 Forumite
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    Can someone help please? Is it possible to work out how much each individual £ (of mortgage borrowings) is costing me please? If so, please can someone help me to work it out please?
    TIA
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    edited 13 November 2019 at 1:35AM
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    Well - Hello, Mrs, Great to see your back :j How has things been with you ?I did wonder where you had got to . . . thinking you are a very busy person but
    keeping up the o/p's.

    Things here are great - I see you have caught up with all my news :D

    Now your back, will follow and encourage you along the way :money:

    Here's to o/p and getting your mortgage balance to 00.00 at the end :beer:
    ps;- not sure about how you work out your £ mortgage costs, sorry.
    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
  • tattycath
    tattycath Posts: 7,175 Forumite
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    A_Frayed_Knot wrote: »
    Well - Hello, Mrs, Great to see your back :j How has things been with you ?I did wonder where you had got to . . . thinking you are a very busy person but
    keeping up the o/p's.

    Things here are great - I see you have caught up with all my news :D

    Now your back, will follow and encourage you along the way :money:

    Here's to o/p and getting your mortgage balance to 00.00 at the end :beer:
    ps;- not sure about how you work out your £ mortgage costs, sorry.

    Hey lovely. Indeed! I’ve been awol for too long. Great to hear from you! :j :j :j
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • jwil
    jwil Posts: 19,128 Forumite
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    I think there was something on my mortgage paperwork that said 'for every £1 you borrow you will repay £1.81' or something like that. Would you have the same? Is that what you are looking for?
    "If you can dream it, you can do it". Walt Disney
  • tattycath
    tattycath Posts: 7,175 Forumite
    First Anniversary First Post
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    jwil wrote: »
    I think there was something on my mortgage paperwork that said 'for every £1 you borrow you will repay £1.81' or something like that. Would you have the same? Is that what you are looking for?

    Hi jwil. Yes that’s what I’m looking for please. So that I know how much impact it makes for every £ I overpay :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
    First Anniversary First Post
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    So I worked all weekend and today I’m on day off. So I set my alarm for half 7.
    So far I’ve:
    Washed up,
    Put bottles in to soak
    Now I’m having a cuppa.

    Lots to do today.
    I need to:
    Print orders and pack them and get them in the post
    Sort lounge out
    Put a load of washing on
    Start sorting loft so I can create some much needed space in spare room-and my room.
    My room is not a calm soothing environment at the moment, it looks like a tip/dumping ground. :(
    So I need to sort that ASAP!
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    Morning TC,

    I can't believe just how similar our postings are !!! I am just about to post almost the very same :)

    Well nearly :o didn't set the alarm, washed up or bottles in to soak, but have had a cuppa :)

    Worked all weekend, going to post some items sold, sort some rooms out and put washing on, not venturing near the loft, it was -5 here last night, so up there will be freezing :snow_laug:snow_laug brrrr, not snow but everything outside is white with frost, and anyway don't have much space up there (quite a lot there, already):o

    I do have a tidy bedroom though, can't say the same for the spare, or tip rooms, so will be working on them today.

    Hope you have a great day and get things sorted, I find I put off jobs only to find once I start them they only take a couple of hours at most. :)
    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
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