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  • FIRST POST
    • museumworker
    • By museumworker 15th Jul 17, 10:22 PM
    • 1,995Posts
    • 11,270Thanks
    museumworker
    The mindful MFW: A healthy, happy journey to a mortgage free life!
    • #1
    • 15th Jul 17, 10:22 PM
    The mindful MFW: A healthy, happy journey to a mortgage free life! 15th Jul 17 at 10:22 PM
    Hi all! Some of you may know me from my last two diaries (museumworkers quest to consign the mortgage to history and Making the Future Happen). A lot DID happen during my last diary, mostly things that threw me off the MFW course, including an unexpected (but much loved) third child and a new full time job! These are both changes for the better, but adjusting to even less time with even more responsibilities unfortunately took its toll on my health and wellbeing as well as our finances.

    Anyway, I now feel like I've turned a corner - my health is improving, I'm settled at work, we have local childcare arranged (no more commuting with a toddler and buggy come September!) and we are starting to tackle the mortgage again. Rather selfishly I would like a new diary to mark this new phase as I feel a bit like my old one is, well, if not stained then a bit dog-eared. And who doesn't like the feel of a crisp new diary, all shiny, new and full of hope!

    This time my journey to mortgage freedom has to be healthy and happy. I can't let myself get ill again, the whole family suffers. The mindfulness part is more aspiration than reality at the moment! However I've gained so much benefit from the mindfulness work that I have done that I really want to make it an integral part of my life. And I really want to enjoy my time with the kids, aged (nearly) 3, 5 and 14, and nurture my relationship with the very neglected OH. We love to travel and have days out, though usually there's a discount voucher and a packed lunch to hand if you look closely enough! Of course there will be challenges along the way, but if I can build personal resilience and keep a positive outlook I'll be much better placed to deal with them.

    I would love it if you read and posted along - words of encouragement, suggestions, comments, questions, observations, witticisms, light ribbing - and the occasional reprimand if I start being self-negligent!

    Some facts that always help at the start of a diary:
    Mortgage balance at start of MF journey, March 2011: £190,000
    Current balance July 2017: £95,979.89
    Mortgage rate: 2.39% fixed at Feb 2016 for 5 years.

    OPs in 2017 to date: £9,249.16
    Total OPs 2011-16: £45k

    LTV when house purchased 2008: 83%
    Estimated Current LTV: 15%
    Old mortgage rate: 5.09%
    Old mortgage monthly payment: £1,200
    Current mortgage monthly payment: £623.15

    Original end date at renewal: February 2036
    Current end date with no further OPs: October 2033 [guestimate, will check next time I call]
    Target: April 2022 = £1,200 pm OP / £14,400 pa OP
    Stretch target: September 2021 = £1,400 pm OP / £16,800 pa OP
    Super stretch target: April 2021 = £1,600 pm OP / £19,200 pa OP

    Just realised that means am possibly talking only 4 years or so until we're mortgage free ! Wow, that feels so unreal - but incredibly motivating!!

    Lots more to say, but right now we're off to bed. Thanks for reading!
    Last edited by museumworker; 19-07-2017 at 1:07 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
Page 17
    • museumworker
    • By museumworker 1st Dec 17, 4:10 PM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    Just worked out what I want from December:
    * spending time outdoors
    * Relaxed time with the family
    * Avoiding shops
    * All Christmas presents bought and wrapped by 16 December
    * Finish beer advent for OH
    * Enjoy time off with kids
    * Concert with DD1
    * See DD1s Xmas concerts (3)
    * See DS Xmas show
    * Staff Xmas parties (3)
    * Back room clear for guest
    * OH family get together
    * Book time in with DSis and family
    * Quiet Xmas day with turkey from butchers
    * Healthy and rested
    * Date night with OH
    * Massage
    * Make HM mince pies
    * Read a book
    * Mindfulness daily
    * Yoga weekly
    * Buy tree and decorate
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 1st Dec 17, 4:14 PM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    Am going to reflect on this list daily to make sure I keep in touch with these ambitions. Most of these are actually cheap, free or already budgeted for. Anything else that I take on HAS to fit with the general ethos of calmness and happiness.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Dec 17, 9:33 PM
    • 638 Posts
    • 2,505 Thanks
    wishingthemortgaheaway
    Sounds like a very good plan. Hope you are on the road to recovery
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • museumworker
    • By museumworker 2nd Dec 17, 10:19 AM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    Thanks wish. I feel better than I did but a broken night with DD2 hasn’t helped so hoping for a bit more rest over the weekend.

    All kids seemed to love their advents, and OH seemed happy too (although said you should have got yourself one too and we could enjoy a beer together every night. I did have to point out it came from my pocket money not house money, not sure if he gets it!) his first one was a raspberry wheat beer from meantime which he said wasn’t overly sweet, he likes it.

    DD2 nursery paid and Hal!fax credit card paid off (cost £220 for damn hire car ‘scratches’ in the end ). I also underestimated OHs travelcard, thought it was £1400 but is actually £1550 . This month is going to be tighter than a very tight thing in tiny tights. It is unlikely we will be able to top up our tax savings which means Jan and Feb will need to take the hit on those.

    Strangely enough I feel more energised and motivated after yesterday’s to do list, which was more of a to don’t list as I took off all the nagging shoulds and feel lighter for it.

    DS swimming lesson cancelled again (third no show by swimming teacher in about 6 weeks) but good news is we were given two free soft play sessions (worth £16) as well as lesson refund (worth £5). So OH dashed home to pick up DD2, I now unexpectedly have house to myself for an hour. We’ve stopped taking them due to expense so it’s great for them to have a free play, and will hopefully mean they’re tired out!

    Today’s ta dahh list:
    * bags to charity
    * tidy DD1 room
    * clear dining table
    * boys haircuts
    * collect parcels
    * cook oxtail stew
    * Claim back shopping refunds
    * Wrap presents and write final list
    * Ask rellies what kids want for Xmas
    * Ask DSis when around for Xmas
    * Pull together giftcards for using up
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • angela110660
    • By angela110660 3rd Dec 17, 8:06 AM
    • 751 Posts
    • 1,865 Thanks
    angela110660
    Love your lists and I have started jotting one down every few days myself. It is very satisfying to cross things that have been done- feel like I am getting on.
    Had an odd moment on Friday when I took two carrier bags to the CS and the lady was almost turning me away! Said they were deluged with stuff but thankd me anyway! Obviously too much decluttering / donating going on around here and not enough CS buying?!
    Free films - 2009: saw 7 films. 2010 saw 7 films. 2011 saw 7 films. 2012 saw 5 films;2013:Lincoln; Les Miserables; Cloud Atlas; The Big Wedding; Summer in February;Philomena;Saving Mr Banks;2014:Jersey Boys;2015estament of Youth;
    • museumworker
    • By museumworker 3rd Dec 17, 10:05 AM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    Love your lists and I have started jotting one down every few days myself. It is very satisfying to cross things that have been done- feel like I am getting on.
    Had an odd moment on Friday when I took two carrier bags to the CS and the lady was almost turning me away! Said they were deluged with stuff but thankd me anyway! Obviously too much decluttering / donating going on around here and not enough CS buying?!
    Originally posted by angela110660
    Charity shops deluged with donations? Weíre heading over! Sounds like my idea of heaven. I did wonder if fleabay and Facebook selling groups would reduce charity donations but no, there are still people who want gone, fortunately. Iím often one of them.

    Thanks for stopping by and happy list making .
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 3rd Dec 17, 10:23 AM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    List update

    Todayís ta dahh list:
    * bags to charity wouldn't take duvet so have to do a tip run
    * tidy DD1 roomdone, and she even said thank you when she got home
    * clear dining table does chucking it in a bag count
    * boys haircuts £21, YNAB updated
    * collect parcels
    * cook oxtail stew a total hit, apart from the fact none of the kids would touch it, that is! Lots of leftovers for OH to eat while I have my crazy week
    * Claim back shopping refunds Shopm!um £2 submitted, one left to do
    * Wrap presents and write final list
    * Ask rellies what kids want for Xmas
    * Ask DSis when around for Xmas
    * Pull together giftcards for using up

    A good day, the oxtail stew was delicious and even used up a bit of last yearís mulled wine . We took the littlies to the park to see the Christmas tree forest, there was dressing up and free mince pies and something that claimed to be mulled wine but I suspect was watered down Ribena. We all saw some friends so stayed til dark, chatting and playing until I could no longer feel my toes. We resisted buying a tree as we will try to get an IKEA one next week, £10 cheaper and a free £20 voucher too.

    Kids were a bit worn out by end of day and saw some challenging behaviour at tea time, but all went to bed happy. It was late however, so I was too tired to look at Xmas presents. I did also get three loads washed (2 hung out, one in drier when run out of space), sorted the bags of laundry from the week in my room, and sorted the three bags of mixed trash, recycling and washing excavated from DD1s room.

    Aside from haircuts, one small spend of £11 by DD1 on revision aids, which will have to come out of the Stuff I forgot to budget for pot.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 3rd Dec 17, 10:31 AM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    Today’s ta dahh list:
    * mindfulness
    * tip run to charity (clearing back room)
    * clear bag of paperwork from dining table
    * collect parcels
    * buy potatoes
    * help DD1 revise
    * make pork roast
    * free street party this evening (spending time outdoors / relaxed time with the family)
    * Claim back shopping refund x1
    * Wrap presents and write final list (all Xmas presents by 16 Dec)
    * Ask rellies what kids want for Xmas (all Xmas presents by 16 Dec)
    * Ask DSis when around for Xmas
    * Pull together giftcards for using up
    Last edited by museumworker; 03-12-2017 at 8:54 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • themadvix
    • By themadvix 4th Dec 17, 10:05 AM
    • 1,149 Posts
    • 6,641 Thanks
    themadvix
    I thought you were supposed to be having a restful weekend?! It sounds like you had a lovely time at the Christmas tree forest though - what a lovely idea.

    Make sure you take the time to recover fully though.
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • museumworker
    • By museumworker 5th Dec 17, 9:23 PM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    I thought you were supposed to be having a restful weekend?! It sounds like you had a lovely time at the Christmas tree forest though - what a lovely idea.

    Make sure you take the time to recover fully though.
    Originally posted by themadvix
    Gosh, sadly that is my idea of a restful weekend I can see where I might be going wrong!

    Some life/ MSE wins this week:
    * set alarm and got up a bit earlier
    * Did 2x headspace sessions
    * Prescription collected and filled
    * Signed up for auto renewal of prescription via pharmacy, that should make life sooo much easier!
    * Bought 2x eye brow kits from B00ts for £5 each as stocking fillers then also £27 make up set as an extra gift. £49 worth of cosmetics for £10
    * Did some intention setting at work and managed to make progress on some difficult projects - yesterday maybe more successfully than today, but both days saw forward motion
    * Had free visit to exhibition with work (worth £16) and free coffee afterwards
    * Stacked some Mr W deals on toiletries with PYO offers, Green Jinn and Shopm!um to get £47 of shopping for £20. That includes 5x beers for OHís advent
    * Shared TCB referral with a colleague
    * DD1 wasnít in concert last night so £5 saved on ticket
    * DD1s concert tonight was free and my DSis came too which was lovely. They also played a great piece really well
    * visited two @mex shop small places and topped up my 0yster - after cashback will be £9.30 up
    * Packed lunch with free if strange cactus water from Shopm!um and free yoghurt from Check0utSmart
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • Betterthanever
    • By Betterthanever 6th Dec 17, 9:06 AM
    • 403 Posts
    • 2,167 Thanks
    Betterthanever
    I have to say the cactus water hasn't yet appealed to me enough to try it.....I am impressed that you went for it!


    Your "restful" weekend looks like mine normally do - why is it that we can't just switch off for a while (and still have things done?!)!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • pinkypig
    • By pinkypig 6th Dec 17, 9:11 PM
    • 738 Posts
    • 6,437 Thanks
    pinkypig
    Another one who can't decide if she can stomach cactus water. I got more cider though
    Your plan for December looks lovely MW - enjoy

    PP xx
    • museumworker
    • By museumworker 8th Dec 17, 9:13 AM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    I have to say the cactus water hasn't yet appealed to me enough to try it.....I am impressed that you went for it!


    Your "restful" weekend looks like mine normally do - why is it that we can't just switch off for a while (and still have things done?!)!!
    Originally posted by Betterthanever
    I get anything free from Mr W via Shopm!um as they refund the full, not discounted price. That means I get money off my shopping, and a freebie... even if it is cactus water

    If you find an off button let me know

    Another one who can't decide if she can stomach cactus water. I got more cider though
    Your plan for December looks lovely MW - enjoy

    PP xx
    Originally posted by pinkypig
    They never stock the cider in the Mr A near me

    I didnít even finish the cactus water in the end so think that says it all
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 8th Dec 17, 5:01 PM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    DD2 is really very sick. Raging temperature, can’t even stomach water. So today has been a lie on the floor with her day (because that’s where she wanted to lie down bless her!) Took her to the doctors for the second time in 24 hours I was so worried, and luckily they confirmed she’s still hydrated and that it is a nasty virus that might take some time to shift. Poor thing.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • shangaijimmy
    • By shangaijimmy 8th Dec 17, 5:59 PM
    • 2,275 Posts
    • 10,530 Thanks
    shangaijimmy
    Not sure on how old she is but we had a very similar one with our son when he was 2. The doctors suggested using a syringe of 2-3ml of water every 15mins. Then after an hour when it had stayed in we upped it to 5ml's. Sounded so simple and we felt so 'small' when they suggested it, but to be fair it worked a treat.
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • Pooky
    • By Pooky 8th Dec 17, 7:47 PM
    • 6,733 Posts
    • 41,639 Thanks
    Pooky
    I highly recommend ice poles/pops for sickness dehydration. The cold is refreshing and there’s more liquid going in than you think in tiny bits....the sugars help too.

    Hope it’s not going to tell you all, seems to be doing the rounds here.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • museumworker
    • By museumworker 9th Dec 17, 10:28 AM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    Not sure on how old she is but we had a very similar one with our son when he was 2. The doctors suggested using a syringe of 2-3ml of water every 15mins. Then after an hour when it had stayed in we upped it to 5ml's. Sounded so simple and we felt so 'small' when they suggested it, but to be fair it worked a treat.
    Originally posted by shangaijimmy
    Funnily enough my GP suggested the same thing yesterday, and it hadn’t even occurred to me either! Thanks for the suggestion.

    I highly recommend ice poles/pops for sickness dehydration. The cold is refreshing and there’s more liquid going in than you think in tiny bits....the sugars help too.

    Hope it’s not going to tell you all, seems to be doing the rounds here.
    Originally posted by Pooky
    Great idea on ice poles, will pick some up.

    Good news is DD2 is now able to stomach food . Bad news is she is well enough to shout for me 24/7 . So a very tired MW today. I’ve already broken two porcelain plates this morning .

    Yesterday evening managed to do some Xmas ordering. BOGOF with 20% off & free delivery PJs on way for me and DD1. Just about to order new sets for DD2 and DS, will use voucher we won as well as staff discount. Also ordered Christmas activity books for DS and DD2, these will make up most of the Xmas eve boxes as already have second hand DVD, Crayola colouring stuff bought super cheap from Arg0s last month and some flumps threw in to make my Mr T order up to £40 the other week. Just need some hot choc sachets and some bear yo yos and think we are most of the way there. I bought the boxes for £1 each from Poundland last week, they are lovely and hopefully can be reused. I should have a voucher for craft stuff which if still valid will pick up some making things too. OH will get Xmas themed socks and a beer in his.

    So feeling pretty good about Xmas eve boxes.

    For Xmas day, ordered one book for each of the DC. One I will pay for with free stamps from Waterst0nes today . The others were from Amaz0n and unfortunately don’t have any vouchers for there at the moment but at least they are ordered.

    Am trying to focus on quality rather than quantity. I have bought one nice meaningful book each rather than a lot of better value sets. The PJs weren’t the cheapest but made me so happy choosing them and at £18 each weren’t insane.
    Last edited by museumworker; 09-12-2017 at 11:26 AM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 10th Dec 17, 3:54 PM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    DD2 is getting better, although still slipping into fever last night so spent much of the evening on the couch with me whilst OH was out. Hoping her temperature stays stable and that will be well enough for nursery tomorrow.

    Yesterday had a lovely afternoon in a pub to celebrate a friend’s birthday. I avoided joining in a tab, only to discover at the end there was a 25 discount available ! Although everyone else had less to eat and drink than me so at least I paid my way . The food was lovely and I still stand by my general rule of avoiding tabs, there was a confusion about the split that took 15 mins to sort out.

    I then popped into Mr W for more calpol for DD2, only to not add a PYO pick properly and miss out on a 62p discount. Honestly, anyone would think I’d been up most of the night !

    DD2 book collected, got it free and card for friends birthday for free, plus one more stamp to add to my collection ! Might even have enough already for another free tenner .

    Just realised why my Green J!nn claim from Monday has been repeatedly rejected - the checkout person had torn it off wrong so the vital numbers at the bottom aren’t there . It’s worth £2.70 so not the end of the earth but still annoying. Note to self: check receipt properly before leaving.

    Anyway, one last Mr W shop, £60 spent, loads of super ys savings on fruit and veg, plus offers, PYO and £2.15 from Green J!nn to come back. It was an over £100 shop full price so very pleased. Christmas crackers worked out £3.75 plus two free coffees and two free Sunday papers. Also found out you can combine ys with discount if let cashier know in advance .

    Xmas tree bought from IKEA,literally one of the last dozen left. £25 spent and £20 voucher for Feb. Plus £23 on wrapping paper, food bags and a cool bag for packed lunches. Signed up for a family card to get £7 off.

    We’ve thrown some snow balls in the garden and now have a tree to decorate .

    MW x
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 10th Dec 17, 8:04 PM
    • 1,995 Posts
    • 11,270 Thanks
    museumworker
    Just worked out what I want from December:
    * spending time outdoors two outdoor plays last weekend, quick snow ball throw in the garden today
    * Relaxed time with the family yes, just had a home disco which was great fun
    * Avoiding shops mostly
    * All Christmas presents bought and wrapped by 16 December very, very close
    * Finish beer advent for OH mostly
    * Enjoy time off with kids to come
    * Concert with DD1 to come
    * See DD1s Xmas concerts (3) yes, and one extra one this week
    * See DS Xmas show to come
    * Staff Xmas parties (3) one down, two left
    * Back room clear for guest took some stuff to charity, and er,
    that's about it

    * OH family get together
    * Book time in with DSis and family yes, Xmas eve
    * Quiet Xmas day with turkey from butchers still to order
    * Healthy and rested
    * Date night with OH
    * Massage booked in for Friday
    * Make HM mince pies on the to do list this week
    * Read a book
    * Mindfulness daily mostly, about 5/7 days a week so far
    * Yoga weekly er, what?
    * Buy tree and decorate YAASSS! The beauty is up with only the minimal bickering required to work out how to get the lights evenly spread
    Originally posted by museumworker
    Quick review of December so far. Definitely on course, despite DD2 getting very ill.
    Last edited by museumworker; Yesterday at 9:34 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Dec 17, 8:40 PM
    • 638 Posts
    • 2,505 Thanks
    wishingthemortgaheaway
    Looking very good mw, hope illness continues to disappear.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
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