julicorn's journey

1282931333452

Comments

  • julicorn
    julicorn Posts: 2,279
    First Anniversary Name Dropper Photogenic First Post
    Forumite
    greent wrote: »
    Wiow - just caught up on the last couple of months - pay rises, fab mtge milestones - amazing stuff!! :j :j
    Thanks so much greent! I hope all is well with you :)
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • julicorn
    julicorn Posts: 2,279
    First Anniversary Name Dropper Photogenic First Post
    Forumite
    Hi everyone!

    This is another overly excited update, because we're leaving for Japan on Sunday! I honestly can't wait, it's almost unreal that it's finally this time of year :)

    The mortgage currently stands at around £157,500. I'm getting a Christmas bonus this month too which is very exciting - I think factoring that in, we miiiiight be able to get the mortgage below £150k by the end of January. Will keep you all posted.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • Karmacat
    Karmacat Posts: 39,460
    Name Dropper First Post First Anniversary
    Forumite
    Have a wonderful time! I'll be very interested to hear what it was like :)
    2023: the year I get to buy a car
  • julicorn
    julicorn Posts: 2,279
    First Anniversary Name Dropper Photogenic First Post
    Forumite
    Thank you! Will definitely report back :heart2:
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • beanielou
    beanielou Posts: 89,816
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Ambassador
    Have an awesome time :D
    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.
  • julicorn
    julicorn Posts: 2,279
    First Anniversary Name Dropper Photogenic First Post
    Forumite
    Thank you beanie! :heart2:
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • julicorn
    julicorn Posts: 2,279
    First Anniversary Name Dropper Photogenic First Post
    Forumite
    edited 29 November 2019 at 10:28AM
    Hi everyone!

    Japan is absolutely incredible, and we already know this won't be our last visit. I'll write a proper update about our holiday when we're back.

    For now, I thought I'd give you all a quick mortgage update instead. Our balance is now just under £155k, and we are exactly 5 years ahead! :j that means that without overpayments, we would have only reached this balance in November 2024.
    Time to celebrate and hopefully hang out with some snow monkeys today :)
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • Karmacat
    Karmacat Posts: 39,460
    Name Dropper First Post First Anniversary
    Forumite
    Congratulations! Good to hear Japan is so great, and I think I fixed this for you:
    julicorn wrote: »
    ... we are exactly 5 years ahead! :j that means that without overpayments, we would have only reached this balance in November 2024.


    :A
    2023: the year I get to buy a car
  • julicorn
    julicorn Posts: 2,279
    First Anniversary Name Dropper Photogenic First Post
    Forumite
    Haha, thank you Karmacat! :rotfl: I blame the wifi cutting out on the train, and me very quickly re-typing my post :D
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • beanielou
    beanielou Posts: 89,816
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Ambassador
    Great result :)
    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.
Meet your Ambassadors

Categories

  • All Categories
  • 342.5K Banking & Borrowing
  • 249.9K Reduce Debt & Boost Income
  • 449.4K Spending & Discounts
  • 234.6K Work, Benefits & Business
  • 607.1K Mortgages, Homes & Bills
  • 172.8K Life & Family
  • 247.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards