So madly busy this week and no time to post but I wanted to write that we got our annual mortgage statement. We broke through the £200k barrier. Including over-payment we paid off around £8k this year. Its a nice psychological barrier to have gone through but not enough for me. I am over-payment by an average of £200 per month. Obviously as I bring the balance down then more is coming off the capital and less is being wasted in interest. 2012 I plan to reduce by more than £8k. If I write it now then it makes my choice more real.