I Had No Idea My Mortgage Was Costing Me This Much

Whilst I recall our first mortgage advisor 'strongly recommending' we overpay our mortgage, we either never had the spare cash, or we just never looked any closer. We didn't ask questions. We just... paid it. Like very dutiful financial ostriches with our heads firmly in the sand.

Then one day I actually looked at the breakdown. And I had to read it twice.

Every month, we're paying £521 towards our actual mortgage balance.

Which sounds okay, right? Progress is being made. The number is going down. Adulting successfully.

Except we're also paying £928 in interest.

Nearly a thousand pounds. Every single month. Just in interest. Gone. Not coming back. Not building anything. Just disappearing while I congratulated us on being so on top of things.