Might make a spreadsheet that quantifies how much an overpayment represents in time shaved off the mortgage to try and motivate me. Not sure how fussed I am, might even extend my mortgage term next time so I can reduce my working hours again, rather have the free time now rather than when I’m old.
Currently living beyond my means, was debt free for my mortgage in July, now £2k in credit card and overdraft debt, and I’m planning to borrow loads to do the necessary soundproofing