My MF Mission 2015

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Comments

  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    First Anniversary First Post Combo Breaker
    Correct. Wouldn't forgive myself if I miss my monthly OP :D
    Heading over to your diary in a min to have a nose.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    First Anniversary First Post Combo Breaker
    I'm back in the game.

    Payday today so I have sorted all my monies in all different accounts, waiting for DD's to be taken next month. I've worked out after all bills are taken, I will have my £500 OP ready to hit the mortgage and savings of £300, rounding my 2nd Emergency fund off to a nice £4,500 figure :D

    However, I have just paid for my Vegas trip, so that's £2k gone onto the new CC. And I will need to find some spending money, so may have to dip into the 2nd EF depending on how well I do with next months pay packet. Watch this space.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • Ooo I have never been to Vegas. Hope you have a wonderful time.

    Looking good on the MFW side. You will be there in no time.
    :beer: Savings £18,000 / £25,000 :beer:
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    First Anniversary First Post Combo Breaker
    Don't think I've spent this much so quickly in ages, other than buying my house, a car and paying for my wedding!

    Grand Canyon trip booked! So excited. Now just need to save some spending money between now and April.

    Off to DS's little mates birthday party this afternoon. No rest for the wicked.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    First Anniversary First Post Combo Breaker
    Has anyone else noticed their mortgage has not increased with the daily interest today? When I log on my internet banking, I always see the balance increase day to day, but this day hasn't moved. It's still the same as yesterday.

    Maybe the banks are giving everyone a break in interest to celebrate the leap year :rotfl:
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • DH was reading about that today - banks don't count interest for leap year. The article he read confirmed that they don't pay out interest (for savings), but didn't mention whether they count debts as interest. Guess maybe not!
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    First Anniversary First Post Combo Breaker
    I can live with that, seeing as my debt balance is far greater then my savings balance :)
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    First Anniversary First Post Combo Breaker
    Highlights of today -

    Another 2 months knocked off my overall mortgage term.
    1 brick on the fridge can be coloured in (In the £107ks now)
    OP of £500 sent today for March
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Very nice! :)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    107's!! Come on, when is your target for 99's?
    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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