£170000 in 10 years

And yet another week over ,where does the time go ? This week my husband has worked very hard as usual and brought in several hours of overtime and i have met my £10 a day target or as i look at it averaging £70 per week so savings of £230 have been added to the Isa .It is so great to watch it grow it really helps to keep me motivated .Food budget kept at £46 for the week ,i made an inventory as suggested by others and it works brilliantly ,i have never been so organised before in my life .The down side is that i am coming nowhere close to my target of £1150 a month overpayments ,i am lucky if i hit £100 and i am slipping way behind on the mfw 2017 it is embarrassing ,i just dont know what i can do ,there is no way to make up this huge shortfall other than find a job so this is still on the cards i will give it another few months maybe until the end of summer and if i havent found a way of making money at home i will have to seriously consider finding a job .I have not worked for a lot of years so it will be hard but necessary .

Morning Busy Mee1 ,you are as always very perceptive and so thoughtful .I felt very guilty after posting yesterday i felt i might have come across as being very greedy and ungrateful for what i have ,after all £230 a week is a huge amount to save and i am of course very ,very grateful to be so lucky and to have a wonderful husband who works so very hard and gives me every last penny that he earns ,as he always has for over 30 years .
When i first started the diary i thought that i could do it all ,spend ,save and overpay but i have realised i cannot do all three ,i then decided to look at becoming mortgage neutral ,you helped me such a lot and reading your diary and others on here has motivated me no end .I have never had any savings before and now i have and i just love the feeling of security that gives me and how grateful i was this year when one of our cars had lots of problems and we were able to withdraw the money to buy another and also when we had the roof and fascias replaced .We have no pension saved and no other money to come from any other means that will pay off the interest only part of the mortgage so it will all have to be paid from what we can save in the next 10 years,my husband is 56 so i believe he has 11 years until retirement if he is able to work that long ,he is in a very physical job.I was hoping of course to save and overpay so that the mortgage would be cleared by the overpayments and the savings would be left for retirement but it is becoming more obvious that the savings will all be needed at the end of term to pay off the mortgage leaving us with nothing ,although i say nothing but we will have a very nice home of course .
You are completely right about the family of course ,four of our children are financially secure and we have one son who still lives at home .You have hit the nail on the head ,i do spend lots and lots of money on them all and on my grandchildren ,they dont want it they all just take things to please me ,i have two more birthdays this year and then i am going to stop ,i really will then at christmas time all gifts will be on a small scale ,i have been thinking about it and truly will do it this year.Thank you Buy Mee1 for helping me to see more clearly ,it is so nice to have someone to talk to regarding money ,i say nothing to all my friends and family they have all paid their mortgages off years ago so would be completely shocked to find out i still have one i know .I think a job is definitely needed so will wait until the end of the summer and look then if nothing crops up earlier ..Thank you and you too ,your children have a very thoughtful and wise mother ,we are all going to my youngest daughters for the evening so no cooking for me tomorrow ,it is beautiful here too and we have a big party to go to today so no cooking today either come to think of it ,how lovely .