Baby steps to mortgage freedom for beanielou.

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Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Name Dropper First Post First Anniversary
    Carrying on with maximum overpayments sounds pretty good to me :)
    2023: the year I get to buy a car
  • doingitanyway
    doingitanyway Posts: 8,737 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    it is great that your mortgage allows overpayments. Sometimes I could overpay a little more and other times I couldn't. Just overpay what you can. That's what I did and every little counts. I still got MF in the end :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • beanielou
    beanielou Posts: 90,241 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    doingitanyway wrote: »
    it is great that your mortgage allows overpayments. Sometimes I could overpay a little more and other times I couldn't. Just overpay what you can. That's what I did and every little counts. I still got MF in the end :)

    Yes you are right :)
    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.
  • Sun_Addict
    Sun_Addict Posts: 21,276 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Great news the doors are imminent :) Re the overpayments, if you shave a few months off the term that's fabulous, it all helps.
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • beanielou
    beanielou Posts: 90,241 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Sun_Addict wrote: »
    Great news the doors are imminent :) Re the overpayments, if you shave a few months off the term that's fabulous, it all helps.

    It does.
    A tiny additional OP made today to take me down into the next thousand :)

    Have a great weekend all :)
    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.
  • Sun_Addict
    Sun_Addict Posts: 21,276 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Have a fab weekend Beanie, great news you're down to the next thousand xx
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • beanielou
    beanielou Posts: 90,241 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Sun_Addict wrote: »
    Have a fab weekend Beanie, great news you're down to the next thousand xx

    Thanks SA :)
    You too :) xx
    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.
  • michelle09
    michelle09 Posts: 912 Forumite
    First Anniversary Name Dropper First Post
    New doors are wonderful! Hope it all goes smoothly. :)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Name Dropper First Post First Anniversary
    From me too, hope its all up-and-up for you :):):)
    2023: the year I get to buy a car
  • in_need_of_direction
    in_need_of_direction Posts: 7,282 Forumite
    First Anniversary Name Dropper First Post
    I love when my mortgage moves to a new thousand.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.
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