Whoop, first overpayment !

Hi Readers and hope you are all well. Here we are in December, how the year has flown ! Today is a big day for us as we have made our first mortgage overpayment. We have had the house now for six months although we did not move in straight away. Each month I have been meaning to save but various things have happened and the savings have been gobbled up elsewhere. Recently I have seen other blogs where authors have revealed their income and outgoings. I have to admit I am nosey by nature and have always wondered how other people manage and do the things they do in their lives. Our family does not have a huge income and we don't have a high disposable income, that's where we struggle with the saving as its not there to begin with. However with time passing by I decided to take decisive action and set up a monthly overpayment. I have managed to allow for £100 per month. It is not a huge amount but equally it is not insignificant either. I hope that over the year if I have any spare monthly cash I could increase the amount accordingly. Like anyone else , I do want to get rid of my mortgage as quickly as possible but realistically I am not going to be able to pay hundreds of pounds each month into it. Another reason for the overpayment is that I am trying to think ahead. When my five year rate ends I will then have less to refinance, also if I do want to sell I will have more equity in the property however I can't see that I will want to move again for a very long time, if at all. Next year I want to try and start a savings pot. I mean well but often my good intentions slip by the wayside. I still have jobs in the house to complete that will take time and money. TTFN x