- Joined
- Oct 31, 2014
- Messages
- 557
- Points
- 163
I'll start with my referals
£150 Per Year - YouGov | Swagbucks | Opinion Bar
Earn Amazon Vouchers
TOP Cashback Refer a friend
Qmee paid for searching | Serpclix Paid for searching
So I want to be mortgage free before I am 45! which now gives me 10 years, scary thought!
Currently have only myself in the house which might change after meeting the 'one' (not matrix) and the only debt I have is the chain around the neck, mortgage!
So my plan is to overpay by about the same each month as I normally pay, this according to a mortgage repayment calculator should get it paid off in 12 years. Slightly below my target, so I am aiming to earn as much as I can extra to get it paid off quicker! Currently looking at saving £26,000 by paying it off earlier!
My main extra income for this, I have taken in a lodger (tax free up to 7500) and at current rate this is an extra £5000 a year into the pot
So here is my diary of how I am doing, and will keep people informed if you are interested on how I am doing!
Investment Funds -
LISA - 25% return
S and S ISA - 80-90% return
2016 over payments - total of 2 years knocked off the term!
2017 over payments - Total of 1 Year knocked off the term - car took a hit
2018 over payments - 1 year off
2019 over payments - 1 year off
2020 over payments - 1 year off
£150 Per Year - YouGov | Swagbucks | Opinion Bar
Earn Amazon Vouchers
TOP Cashback Refer a friend
Qmee paid for searching | Serpclix Paid for searching
So I want to be mortgage free before I am 45! which now gives me 10 years, scary thought!
Currently have only myself in the house which might change after meeting the 'one' (not matrix) and the only debt I have is the chain around the neck, mortgage!
So my plan is to overpay by about the same each month as I normally pay, this according to a mortgage repayment calculator should get it paid off in 12 years. Slightly below my target, so I am aiming to earn as much as I can extra to get it paid off quicker! Currently looking at saving £26,000 by paying it off earlier!
My main extra income for this, I have taken in a lodger (tax free up to 7500) and at current rate this is an extra £5000 a year into the pot
So here is my diary of how I am doing, and will keep people informed if you are interested on how I am doing!
Investment Funds -
LISA - 25% return
S and S ISA - 80-90% return
2016 over payments - total of 2 years knocked off the term!
2017 over payments - Total of 1 Year knocked off the term - car took a hit
2018 over payments - 1 year off
2019 over payments - 1 year off
2020 over payments - 1 year off
Last edited: