BookWorm's MFW Chapter
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Thanks ETE You too!0
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Good Morning.
I'm pleased that there is no work for a couple of days. I'm really mentally worn out and looking forward to letting my brain relax.
I've got a friend coming over this afternoon for coffee and a slice of cake (baked a chocolate fudge one last night). Otherwise no major plans. Aim will be to spend as little money as possible as payday is still quite a way off.
Disappointing news this week with all the bank account interest rate and/or reward cuts. It's hard to know what to do to get some better returns. I don't understand the stockmarket/shares really and I don't want many more accounts as it's becoming both complicated and time consuming - neither of which I want. Do need to give it some more thought though.
£4 vouchers received from a survey. Added to ths chrimbo stash pile for now
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Feeling a bit glum today. I'm finding looking after and maintaining the house a tad overwhelming at the moment. There are a few things that have happened and/or suddenly need fixing and I don't know where to start. I used to relish the challenge of dealing with these things by myself but at the moment it's a bit much.
Woken to heavy rain this morning too which is also making things feel very grey.....0 -
Sorry to hear you are feeling a bit glum BookWorm, try not to be hard on yourself you really do well and are a massive inspiration to many.
XFirst home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!0 -
awww Kittenkirst...not so sure about that but very sweet of you to say. Thanks hun x0
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Hope you're feeling less glum today BW (although it is the start of the working week so maybe not...!)
Everybody on here knows something so I'm sure between us we can point you in the right direction if you need some advice.
Have you read The Readers of Broken Wheel Recommend?
MWCxMortgage at highest (April 2008): ~£195,000
Mortgage-free: January 2021
Retired: June 2022 (186 months early!)0 -
Sorry to hear that you've been feeling a bit fed up BW. I hope that you're spending plenty of time resting and letting your mind unwind. I'm sending you a virtual hot choc with extra marshmallows :coffee: and a dodgy looking hug too :grouphug:
Take it easy
MGx:jMortgage free 08.08.19 :j
2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
MF date was Nov 2041 - mortgage neutral 23.07.18
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Step by step bookworm.
Tell us the problems - verbalising them, making a list, and maybe our input too will help?
MvMBaby Step 1 - £1k Emergency Fund - COMPLETE
Baby Step 2 - Pay off all debts except the Mortgage - £9,326 to go
Baby Step 3 - Save 6 months of expenses into full Emergency Fund - £4,300 to go
Baby Step 4 - Put 15% into Pension
Baby Step 6 - Pay off the Mortgage early
Baby Step 7 - Live like no-one else0 -
Hope we can help, Bookworm. Take care:jPaid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
Still thrifty though, after all these years:D0
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