Overpayment Addict

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  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    Hi

    So my new shiney 0% card has arrived and ive starting using my daily spend on it and increase my stooze pot. I have also decided to over pay another £1500 of my mortgage and be closer to maxing out my 10% allowance and save in the second half of the year rather than putting in equal amounts each month...

    A 3 ebae items sold and payments recieved! Yay! I had a few non payers in the past so i dont see an item being sold unless its been paid for. This tops up my paypal account to pay for DDs swimming which i should have enough for next 1/2 term now. Any extra will be transfered out and goes into overpayment pot!

    Since starting thread its really made me focus even more on getting rid of my mortgage... hopefully itll be gone soon!! :)
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    Also forgot to mention when i started this thread mortgage end date was August 2028 currently January 2028... I love seeing the date get closer and closer!!
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    8 more things listed on Ebae. And another 3 items sold. One of the items was a broken watch which I clearly listed as a broken watch and I still sold it :) people will literally buy anything! So get all it junk online... if it sells it sells... if it doesn't then head to the charity shop :)

    Hopefully I'll be able to be underbudget by £10 This week so I can put another £10 towards the mortgage. Setting myself a little £10 a week challenge has worked for the last two weeks... hopefully I'll be able to keep it up...

    Hope everyone is enjoying their Friday evening... I spent mine doing laundry! Fun times
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • Kittenkirst
    Kittenkirst Posts: 2,563 Forumite
    Photogenic Name Dropper First Anniversary First Post
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    Well done on the eBay listing- I've been putting it off for 4 weeks...I shall list one now whilst I have a cuppa. Stuffs not gonna sell itself- thanks for the push :)
    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!!!!!!
  • Kittenkirst
    Kittenkirst Posts: 2,563 Forumite
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    edited 25 March 2017 at 10:34AM
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    Four items now listed! Thanks for the inspiration/push to stop me being lazy :D

    Edited to add- 8 pairs of mine & the gf's shoes all listed! :D
    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!!!!!!
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    Yay!!! Reading other peoples threads got me started again. I stopped just after xmas (using xmas postage times as an excuse lol ) but only just got back into it. The more things that get listed the more things that are likely to sell! I currently have 11 things listed. I dont expect them all to sell but hopefully at least half of them will go. More laundry for me on this lovely saturday morning :)
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    8 more items listed on Ebae all at 50% off final value fee too!! Yay! Total of 20 items atm. With two that have bids on already. I am literally listing any old junk and hope for the best...

    I also managed to be under budget by £10 again last week so that will be overpaid on 1st April.

    Also was incorrectly paid in work so will get a small payment by the end of March which will also be paid with April's overpayment! It's surprising how much these small payments are adding up along with my budgeted overpayment... Just got to keep focused!!!
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    Sold three more items on Ebae last night :) which means in March I only sold 9 items but I only started selling again half way though the month. But I've made approx £20 after all fees have been taken off.

    I currently have 13 items listed and 8 of them already have bids :) I think I'm going to build enough money in my PayPal to pay for all of DDs swimming until the end of the year and then anything extra will be used to overpay mortgage. There's four more blocks in the year which is a total of £240. I have paid for one block already so I need A total of £180. I'm going to start tracking this from today :) so I don't lose focus.

    For anyone that sells on Ebae and needs bubble wrap I never pay for mine. In the supermarkets if you go to the produce section 90% of the time there will be bubble wrap protecting the apples and pears and this just goes into the bin. I always get a few sheets when I go.

    The sun is shining so me and DD are going to the park with a packed lunch and hopefully not spend a penny. Currently have £10 left in my weekly spending budget, would be nice not to spend it and put it towards the overpayment however we are planning on going into town tomorrow as the Disney store have a 30th anniversary event on and usually I spend lots on town but we'll see...

    Have a lovely weekend everyone x
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • DeterminedSingleMummy
    DeterminedSingleMummy Posts: 207 Forumite
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    £7 underbudget this week so that's an extra £7 I can overpay by!! Had a low spend day today even tho we went into town. Used my free coffee and cake in John Lewis voucher for a sit down too. The sun was shining and I just followed DD While she explored the town (mainly all the toy shops lol) lots of walking so we are both knackered! Too tired to package my Ebae sales from this weekend so aiming to wake up an hour early In the morning to do it.

    Off to bed now as I'm extremely knackered..

    Xxx
    Balance at start of mortgage Dec 2011 £87500
    1 Jan 2015 = £73,735 Overpayments = £3,360 (average £280 p/m)
    1 Jan 2016 = £66,558 Overpayments = £4,770 (average £397.50 p/m)
    1 Jan 2017 = £57,756 Overpayments so far Jan £0 Feb £550 Mar £3022 April £690 May £1513 total £5775
  • KittyMoma
    KittyMoma Posts: 48 Forumite
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    Sounds like you're on the roll! I have so much clutter to get rid of and am tempted to just chuck em in the bin because I think it's all junk.
    Starting mortgage - £303,434.49
    Dec16 bal. £257,319 (OP £27,522.92)
    Dec17 bal. £219,854 (OP £15,361.01)
    Dec18 bal. £206,831 (OP £6,047.36)
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