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  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    First Anniversary Name Dropper First Post
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    good to see you are still going strong :D
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • Merchandiser2367
    Merchandiser2367 Posts: 211 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
    edited 22 October 2018 at 9:42AM
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    Evening all, great weekend with the family this weekend, been on some lovely walks.

    Got me thinking.......sometimes this MF journey is a battle in the mind. My phone contract is coming to an end in a month and a half and I have been looking at New handsets/deals and what have you. BUT I have Martin's money mantra at the back of my mind DO I NEEED IT?

    After much thought and swaying of opinion I really know my current phone is fine. Can get a £6 Vodafone SIM only deal and save 50% a month...I know now I will do this and save over £100 for the contract....but no new shiny phone.

    And there is the battle, a mental game of convincing yourself you deserve a new one after so long (Or whatever the 'thing' is at anyone time) and stepping back and thinking about the long game.......gettint MF.

    A year in and thought it would get easier but if anything it is easier to slip back into old ways......just gotta keep reminding myself of the end goal and not to give in to short term temptation

    Keep strong my MF people!!
    Mortgage When Started Over Pay 01/11/2017- £146,500
    Current Total - 10/02/2022 - £6,500 (With Offset
    £10k Savings)
    5 year fix
    MFW hopefully by March 2022
    01/11/17 - £10k / £10k Emergency Savings :beer:
  • Merchandiser2367
    Merchandiser2367 Posts: 211 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
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    13 months on since our first overpayment, seems a long time ago!

    Including our £10k emergency savings and the money we can't pay directly on to the mortgage as reached our 10% limit for 2018, we have reduced our mortgage by £40,651 :beer::j:beer:

    £9.50 Sun Holidays, Aldi shopping trips, car with 110k on clock etc. etc......all add up to this figure!

    Maybe if we are lucky with new job aspirations next year, could finish the mortgage in around 3 years.....we'll have to wait and see but whatever happens, really happy of how far we have come
    Mortgage When Started Over Pay 01/11/2017- £146,500
    Current Total - 10/02/2022 - £6,500 (With Offset
    £10k Savings)
    5 year fix
    MFW hopefully by March 2022
    01/11/17 - £10k / £10k Emergency Savings :beer:
  • Merchandiser2367
    Merchandiser2367 Posts: 211 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
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    Almost new year!

    = can pay off more OP's again!

    Should reach our 10% limit by March, on
    Top of money from this year we couldn't
    Pay due to 10% limit

    Hope everyone achieved their targets
    For this year !!
    Mortgage When Started Over Pay 01/11/2017- £146,500
    Current Total - 10/02/2022 - £6,500 (With Offset
    £10k Savings)
    5 year fix
    MFW hopefully by March 2022
    01/11/17 - £10k / £10k Emergency Savings :beer:
  • Nichelette
    Nichelette Posts: 2,090 Forumite
    Name Dropper First Anniversary Combo Breaker First Post
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    Just wanted to say you have done amazingly with the overpayments! I hope to do the same soon :).
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £207,243.66
    Overpayments since 27.03.19: £46,161.46
  • Merchandiser2367
    Merchandiser2367 Posts: 211 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
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    Thanks Nichlette, always great to receive some nice comments!!


    Was really good to be able to do another OP today, been a while as reached our 10% around August last year. Another £7500 towards the mortgage!:beer:


    We'll keep OP'ing till around March then put the rest in savings again till January 2020 :T



    Happy New year MFW's :j
    Mortgage When Started Over Pay 01/11/2017- £146,500
    Current Total - 10/02/2022 - £6,500 (With Offset
    £10k Savings)
    5 year fix
    MFW hopefully by March 2022
    01/11/17 - £10k / £10k Emergency Savings :beer:
  • Merchandiser2367
    Merchandiser2367 Posts: 211 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
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    Excellent day for us on our MF Journey!!

    We are now down to 5 figures! £99,650 after latest over payment! Feels amazing to get under the £100,000 mark :beer::j

    Feels like a big milestone to get past and looking forward to getting this down ASAP :T

    Hope all your journeys are still going well and motivation is still strong! :)
    Mortgage When Started Over Pay 01/11/2017- £146,500
    Current Total - 10/02/2022 - £6,500 (With Offset
    £10k Savings)
    5 year fix
    MFW hopefully by March 2022
    01/11/17 - £10k / £10k Emergency Savings :beer:
  • alan_d
    alan_d Posts: 363 Forumite
    First Anniversary First Post Mortgage-free Glee!
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    Just been reading this thread, and this made me smile:
    Merchandiser2367 wrote: »
    car with 110k on clock etc. etc.
    You're not trying! Mine currently has 272k miles, owes me virtually nothing, but also costs almost nothing to keep running.
    I hope to be mortgage free in the next year... but will keep running the old girl regardless.
    (and the car ain't bad ether :rotfl:)
  • Merchandiser2367
    Merchandiser2367 Posts: 211 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
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    alan_d wrote: »
    Just been reading this thread, and this made me smile:

    You're not trying! Mine currently has 272k miles, owes me virtually nothing, but also costs almost nothing to keep running.
    I hope to be mortgage free in the next year... but will keep running the old girl regardless.
    (and the car ain't bad ether :rotfl:)

    272k miles! That's pretty good! Ours was costing too much in repairs so was time to go.......if it was trouble free defo would have kept it as was a great car......cant imagine too many cars getting to 270k miles and not falling apart so well done you mate

    Hope your mf plans all come good for next year, you must be excited it's just round the corner!!
    Mortgage When Started Over Pay 01/11/2017- £146,500
    Current Total - 10/02/2022 - £6,500 (With Offset
    £10k Savings)
    5 year fix
    MFW hopefully by March 2022
    01/11/17 - £10k / £10k Emergency Savings :beer:
  • LauraWxx
    LauraWxx Posts: 565 Forumite
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    Early morning read of your thread, fabulous work so far:T
    2019 Totals: Savings: £929.53 / Mortgage OP - £746.32

    Grocery challange April: £130.17of £500 target remaining
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