Martin Lewis
Region: GB
Friday 06 February 2026 09:12:25 GMT
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Jessi :
3-6 months of bills put away? Babe, I’m barely paying this month😂
2026-02-06 14:07:50
184
Selongworth99 UK :
Saving like mad as my current mortgage rate is 1.5%. 2027 it's gonna change 🥺
2026-02-06 09:29:50
220
Will :
Imagine not living paycheck to paycheck :/
2026-02-06 10:11:19
240
Marshal Meadows :
I overpay with Nationwide and it goes into a pot so it reduces my mortgage term BUT... I can use that pot if I struggle to make mortgage payments. I.e lose my job etc. I've about 3 years worth of 'pot' money.
2026-02-06 10:45:28
94
andydickie :
No one talks about, peace ✌️of mind , not just %
2026-02-06 10:38:27
32
Scott Rodmell :
who has 3 to 6 months 🤷🏾♀️🤷🏾♀️
2026-02-06 14:08:23
7
Laura Liliana :
So paying a lump sum before my rate switches from 1.44% to 3.96% is a no brainer, pretty much. Yes?
2026-02-06 13:28:35
14
KM :
I’d like to overpay but NatWest make it annoying you can only do it via a debit card on their site also notifying the joint account holder every time. Seem to be the only lender who does that & we are stuck with them on fixed for another 18m. 😒
2026-02-06 13:30:53
6
MillieDee :
Why are there repayment penalties?
2026-02-06 09:21:22
5
GlynA :
NatWest mortgages still allow 20% over payments when nearly all the others are 10%. Switching to them 10 years ago allowed us to hammer the mortgage with overpayments.
2026-02-06 10:44:18
9
alioup37 :
We over paid saved as much as we could and the feeling of being mortgage free is better than any investment gains as we made more by investing after mortgage was paid by compounding all savings after.
2026-02-06 09:42:36
48
arobe007 :
We were lucky enough to be left a small amount of money from a relative and we opted to pay off some of the mortgage. The bank was not happy. They called me in the office there and then. 👍😂
2026-02-06 10:56:05
9
Money money :
How can people but 3-6 months of wages saved aside when most of us are living hand to mouth even if your earning good money
2026-02-06 11:30:44
5
Elizabeth Kristina :
Hi Martin! im overpaying by 50%, saving in high interest account AND investing in index funds (yes its hard but doing what I can), can you please tell me if there's anything else I should be doing in order to protect my finances and build financial freedom? thankyou for all your work to help the people 🙏🔥
2026-02-06 09:48:19
5
Ham Dad :
I have paid off my mortgage and that is despite the fact I would have been better off saving and investing that money. I don’t regret it though. Fact is I sleep better at night knowing that my house is mine and no debt is secured on it.
2026-02-06 22:43:21
9
B3th13_Blu3 :
NatWest allows you to overpay by 20% each April before penalties. We’re 15yrs into our mortgage and reaping the benefits of regularly over paying during the last 10yrs.
2026-02-06 09:44:18
9
I.Clark :
Savings what's that under labour government
2026-02-06 14:07:36
8
Jenny 🦉 :
Is it better to shorten your mortgage term in years, or overpay each year?
2026-02-06 09:40:55
9
Honey🌸🌸🌸 :
The majority of people don’t have 3/6 months wage saved
2026-02-06 10:17:39
44
PaddyM :
I'm not using my savings to overpay in this job climate
2026-02-06 13:35:55
24
mrz242628 :
natwest allow 20% overpayment allowance each year
2026-02-06 09:37:06
7
christopherhawthorne1872 :
Can you pay it off after your current deal is up before getting a new deal and then not being penalised
2026-02-06 10:54:36
8
Masondelp :
Still learning
2026-02-12 21:24:23
0
MoBro Glenn :
Savings???,😳
2026-02-06 17:58:12
3
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