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  • FIRST POST
    • Merchandiser2367
    • By Merchandiser2367 16th Oct 17, 6:32 PM
    • 197Posts
    • 1,147Thanks
    Merchandiser2367
    Aldi Beans
    • #1
    • 16th Oct 17, 6:32 PM
    Aldi Beans 16th Oct 17 at 6:32 PM
    Funny title for a thread!

    But, it underlines how much we have changed/cut back etc - throwing it all at the mortgage.

    I always said we would always have Heinz beans, i think they have been the last thing to go to save cash.....and Aldi beans aren't actually that bad!

    Some of the Other MANY things we have done


    -Got rid of sky - bought a freesat box of gumtree for 20 - Save 20 a month!
    -Shop at Aldi for 90% of our shop compared to old Tesco
    - Stopped buying kitchen roll (save about 8 a month!)
    - Take cash out for a week and ONLY spend that much.....debit cards are bad for overspending.....having the cash in your hand, you realise how much you've got left for that week.
    -Always use Martin's Money Mantra - if you don't need it, don't buy it.....amazing how much this saves

    We are hoping to pay off our 21 year, 146,500 mortgage in just under 5 years.

    We know it's all about being strict but we have this massive light at the end of the tunnel about doing things, going on holidays etc that we could never dream of AND being financially secure knowing our house is ours and we have absolutely no debts at all.

    Just thought i'd share our story presently, been fascinating reading all of yours as well
    Last edited by Merchandiser2367; 19-10-2017 at 10:41 AM.
Page 5
    • Merchandiser2367
    • By Merchandiser2367 6th Oct 18, 5:18 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    Unexpected 702 car repairs this week ☹

    Big dent in this month's op's but I guess these things are more likely to happen running older vehicles rather than buying newer ones....well, only till the mortgage is paid and then we can upgrade ☺
    Last edited by Merchandiser2367; 06-10-2018 at 5:24 PM.
    Mortgage When Started Over Pay 01/11/2017- 146,500
    Current Total - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Moneyfordreams
    • By Moneyfordreams 7th Oct 18, 10:35 AM
    • 1,476 Posts
    • 7,014 Thanks
    Moneyfordreams
    good to see you are still going strong
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3850cc, Hfx 6800, NW 5840 M&S 1250, car 5500.
    CC 17740 , it's coming down
    • Merchandiser2367
    • By Merchandiser2367 21st Oct 18, 9:23 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    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!!
    Last edited by Merchandiser2367; 22-10-2018 at 8:42 AM.
    Mortgage When Started Over Pay 01/11/2017- 146,500
    Current Total - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Merchandiser2367
    • By Merchandiser2367 11th Dec 18, 12:34 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    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

    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 - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Merchandiser2367
    • By Merchandiser2367 30th Dec 18, 6:19 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    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 - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Nichelette
    • By Nichelette 30th Dec 18, 8:09 PM
    • 1,881 Posts
    • 3,103 Thanks
    Nichelette
    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 274,272.15
    MFW #86 - Aiming for 15k in 2019
    Overpayments since 27.03.19: 9693.95
    • Merchandiser2367
    • By Merchandiser2367 2nd Jan 19, 5:35 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    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!


    We'll keep OP'ing till around March then put the rest in savings again till January 2020



    Happy New year MFW's
    Mortgage When Started Over Pay 01/11/2017- 146,500
    Current Total - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Merchandiser2367
    • By Merchandiser2367 13th Mar 19, 11:41 AM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    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

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

    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 - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • alan_d
    • By alan_d 13th Mar 19, 3:06 PM
    • 229 Posts
    • 171 Thanks
    alan_d
    Just been reading this thread, and this made me smile:
    car with 110k on clock etc. etc.
    Originally posted by Merchandiser2367
    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 )
    • Merchandiser2367
    • By Merchandiser2367 15th Mar 19, 4:36 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    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 )
    Originally posted by alan_d
    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 - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • LauraWxx
    • By LauraWxx 16th Mar 19, 5:07 AM
    • 565 Posts
    • 1,477 Thanks
    LauraWxx
    Early morning read of your thread, fabulous work so far
    2019 Totals: Savings: 929.53 / Mortgage OP - 746.32

    Grocery challange April: 130.17of 500 target remaining
    • Merchandiser2367
    • By Merchandiser2367 16th Mar 19, 3:46 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    Early morning read of your thread, fabulous work so far
    Originally posted by LauraWxx
    Thank you, appreciate your kind comments
    Mortgage When Started Over Pay 01/11/2017- 146,500
    Current Total - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Merchandiser2367
    • By Merchandiser2367 13th Jun 19, 7:26 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    Hi all,

    Been a little while since posted, we are down to 97,000!! We've slowed down a bit recently due to a few factors, job change etc but hopefully in a few months we'll be on a constant period to be MF in around 3 years (fingers crossed, touch wood etc!!)

    Hope all your MF journies going well still ��
    Mortgage When Started Over Pay 01/11/2017- 146,500
    Current Total - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Merchandiser2367
    • By Merchandiser2367 9th Sep 19, 4:47 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    Evening good MFW people,

    Running at 93, 750 now

    Just started a new job so will be able to OP more each month.

    We're still going
    Mortgage When Started Over Pay 01/11/2017- 146,500
    Current Total - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • squirrelgirl
    • By squirrelgirl 11th Sep 19, 6:43 AM
    • 469 Posts
    • 2,533 Thanks
    squirrelgirl
    Amazing progress merchandiser!!
    12 Month Challenge:[COLOR=]"Red"Mortgage - 5929/16000 ; MFW 2019 No. 58 GC 737.26/3600 Jan 270/Feb 50/ March 87.26/April 180/May 150
    • Merchandiser2367
    • By Merchandiser2367 6th Oct 19, 4:25 PM
    • 197 Posts
    • 1,147 Thanks
    Merchandiser2367
    Amazing progress merchandiser!!
    Originally posted by squirrelgirl
    Thank you Sqirrelgirl
    Mortgage When Started Over Pay 01/11/2017- 146,500
    Current Total - 09/09/2019 - 93, 750 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1700 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
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