CaptCaveMan

Same source as me, nice to have spot on my .xlsx and TSF aligned 😎

Same source as me, nice to have spot on my .xlsx and TSF aligned 😎

Yep... took some explaining to the Mrs though Dave 😆

We've knocked off 5 years already, fixed for another 5 at under 4% 👍  I give the thumbs up as I still see under 4% as cheap compared to historic rates...

With 10% overpayments per annum, we're aiming to clear it by the time it expires then switch what would have been repayments into savings/investments so will easily be saving £000s as the overall term will be reduced by 10 years before even considering anything we can put away in those years.
Still no better off (today) and there's still a noose but light and tunnel spring to mind for our future selves.

... now back to the hobbie, what's the latest Gold deals around here 😎

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

I assume you use a mobile app then? If you're using their website then you must surely have experience the same problem?

Mate theres nothing better than the first month the mortgage payment stops coming out……we kept on paying the mortgage into the joint account for years after, the rate you can save when not paying a mortgage is fantastic. 
not only that you get freedom knowing you don’t have that monkey on your back. 

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Yep... took some explaining to the Mrs though Dave 😆

We've knocked off 5 years already, fixed for another 5 at under 4% 👍  I give the thumbs up as I still see under 4% as cheap compared to historic rates...

With 10% overpayments per annum, we're aiming to clear it by the time it expires then switch what would have been repayments into savings/investments so will easily be saving £000s as the overall term will be reduced by 10 years before even considering anything we can put away in those years.
Still no better off (today) and there's still a noose but light and tunnel spring to mind for our future selves.

... now back to the hobbie, what's the latest Gold deals around here 😎

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Yep... took some explaining to the Mrs though Dave 😆

We've knocked off 5 years already, fixed for another 5 at under 4% 👍  I give the thumbs up as I still see under 4% as cheap compared to historic rates...

With 10% overpayments per annum, we're aiming to clear it by the time it expires then switch what would have been repayments into savings/investments so will easily be saving £000s as the overall term will be reduced by 10 years before even considering anything we can put away in those years.
Still no better off (today) and there's still a noose but light and tunnel spring to mind for our future selves.

... now back to the hobbie, what's the latest Gold deals around here 😎

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Yep... took some explaining to the Mrs though Dave 😆

We've knocked off 5 years already, fixed for another 5 at under 4% 👍  I give the thumbs up as I still see under 4% as cheap compared to historic rates...

With 10% overpayments per annum, we're aiming to clear it by the time it expires then switch what would have been repayments into savings/investments so will easily be saving £000s as the overall term will be reduced by 10 years before even considering anything we can put away in those years.
Still no better off (today) and there's still a noose but light and tunnel spring to mind for our future selves.

... now back to the hobbie, what's the latest Gold deals around here 😎

Yep... took some explaining to the Mrs though Dave 😆

We've knocked off 5 years already, fixed for another 5 at under 4% 👍  I give the thumbs up as I still see under 4% as cheap compared to historic rates...

With 10% overpayments per annum, we're aiming to clear it by the time it expires then switch what would have been repayments into savings/investments so will easily be saving £000s as the overall term will be reduced by 10 years before even considering anything we can put away in those years.
Still no better off (today) and there's still a noose but light and tunnel spring to mind for our future selves.

... now back to the hobbie, what's the latest Gold deals around here 😎

Yep... took some explaining to the Mrs though Dave 😆

We've knocked off 5 years already, fixed for another 5 at under 4% 👍  I give the thumbs up as I still see under 4% as cheap compared to historic rates...

With 10% overpayments per annum, we're aiming to clear it by the time it expires then switch what would have been repayments into savings/investments so will easily be saving £000s as the overall term will be reduced by 10 years before even considering anything we can put away in those years.
Still no better off (today) and there's still a noose but light and tunnel spring to mind for our future selves.

... now back to the hobbie, what's the latest Gold deals around here 😎

Well done, it's not sexy and you don't see the reward today.    On that day you become mortgage  free say to the wife if we had not over paid we would be paying X amount per month for the next 9.5 years or something like that. It's only when you realise you have won twice, not paying the mortgage for years and the compounding interest you save can easily be £10,000's.
 
 
 

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Quick update, we took the plunge with option 1) and paid £40k off the mortgage today, a bitter sweet moment!

In the past 13 months we've more than halved the mortgage but at the same time utilised a large part of savings to do so, stack remains untouched and will keep adding as it's another savings plan, although primarily aimed for the kids...
 
A step closer to being mortgage and debt free.

Watching kitco takes the sting out when price of gold price goes down, other things can just randomly rocket up 

meanwhile in Blackpool...

Still creeping up, £1,612...

Still creeping up, £1,612...