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  • FIRST POST
    • museumworker
    • By museumworker 15th Jul 17, 10:22 PM
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    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 20
    • pinkypig
    • By pinkypig 3rd Jan 18, 11:16 AM
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    pinkypig
    Happy New Year MW

    I loved reading your 2017 round up, you've achieved so much in tricky circumstances. What a great way of celebrating success and highlighting next steps. I'm going to have a go too!

    All the very best to you and yours. I hope 2018 brings you happiness and a reduced mortgage xx
    • museumworker
    • By museumworker 5th Jan 18, 7:45 PM
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    • 11,626 Thanks
    museumworker
    Thanks all for the kind words and wishes, it means a lot.

    Back to work this week, and it is FULL ON - but enjoying the ride as much as I can

    Am keeping a running total of my savings to incentivise me to make the effort. Not including staff discount or yellow sticker bargains unless I made significant savings or effort to secure them.

    1 Jan £2.50 taking flask of hot chocolate to the park, 20p money off in shop
    2 Jan £9 online shoe order vs buying in shop (plus got a third pair) + £3.60 cashback
    3 Jan £5.60 saved in travel
    4 Jan £3 saved on bus fair by walking
    5 Jan £1.50 saved on bus fair, £1.79 on PYO Offers

    We did a free park visit on New Year’s Day to one just 15 mins away. Kids loved it and we will definitely be back again.

    I took the kids to get their feet measured, but the shop didn’t take Amex and I didn’t have an alternative payment method. I literally had to fish my kids old shoes out of the recycling bin in the shop, and surgically remove their “new shoes” from their feet . Upside is when I got home I ordered the shoes DS wanted, plus found a half price pair for play at the weekends, and also a half price pair for DD2. Result: THREE pairs of shoes for £9 less than the shop, plus £3.60 cashback.

    My travel card has now expired, and I’m only three days a week so pay as you go is the best bet. I’m also using my tight-fisted nature to encourage me to walk to and from the tube to home. It’s a good 20 mon Walk and saves £1.50 each way. When the weather improves I’ll be really motivated to cycle as then I’ll also save on tube fair !

    We’ve bought the extra food for the weekend, I’ve spent £35 on shops this week and definitely don’t need another major shop for next week. I do enjoy my top up shops though

    Diet is going really well, lost 6.5lbs since Boxing Day and my blood sugar issues have disappeared.

    Some personal spends on egg cooker for work (£9.99), a few £1 decaf soya lattes and some cheap self help books off Amazon. Plus a beautiful storm lantern for our bedroom, reduced from £20 to £2. But all in budget and all appropriate for my New Years resolutions... to follow shortly!

    But first a child to cuddle in bed and a house to tidy for guests !
    Last edited by museumworker; 05-01-2018 at 8:43 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
    • pinkypig
    • By pinkypig 5th Jan 18, 8:27 PM
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    pinkypig
    Goodness well done you on the £ and the lbs

    Enjoy your weekend in your tidy house

    PP xx
    • museumworker
    • By museumworker 6th Jan 18, 10:05 AM
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    museumworker
    Goodness well done you on the £ and the lbs

    Enjoy your weekend in your tidy house

    PP xx
    Originally posted by pinkypig
    Thanks PP, am pleased with the weight loss and that Iíve managed to still keep an eye on money saving, no matter how small. Iíve made most of the big changes in my finances so now itíll be a case of keeping YNAB up to date , setting a monthly budget and sticking to it. Iím very much still in a post Christmas want to buy ALL THE THINGS mood but am trying to focus that on making the odd grocery saving! I hope it passes soon though.

    Visitors cancelled so House not quite tidy but good enough. Now have two huge chickens need to roast .

    This weekendís ta dahh list
    * keep the dishwasher rebooted
    * laundry x 4 2
    * KM cds
    * Walk not done, but did get DD2 over to the park for an hour or so today
    * toning session
    * write application for work training scheme
    * make roast dinner
    * tidy living room
    * Change beddings x 5
    * send armchair photos over for reupholster quote
    * reply to houseswappers x 2
    * New Years wishes to previous house swappers one left to go
    * Finish digi library book
    * read self help samples to choose which want to read, see which available for free via library systems
    * 90th birthday party
    * return cellophane
    * return candles to boots
    * watch mc!!!!! episode 2
    * post New Years resolutions
    * update YNAB

    Additional saving:
    * cleaner didnít come so £36 saved
    Last edited by museumworker; 07-01-2018 at 5:07 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
    • michelle09
    • By michelle09 6th Jan 18, 4:00 PM
    • 594 Posts
    • 2,777 Thanks
    michelle09
    Well done on the lbs/£s loss!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Jan 18, 5:54 PM
    • 838 Posts
    • 3,744 Thanks
    wishingthemortgaheaway
    Our cleaner hasn't been this week either, maybe there's a cleaner convention?
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • museumworker
    • By museumworker 7th Jan 18, 7:00 PM
    • 2,025 Posts
    • 11,626 Thanks
    museumworker
    Well done on the lbs/£s loss!
    Originally posted by michelle09
    Thank you!

    Our cleaner hasn't been this week either, maybe there's a cleaner convention?
    Originally posted by wishingthemortgaheaway
    Next year they can hold it at mine (as long as they tidy up after !)

    A lovely low key weekend, where got through jobs, rested and feel ready for my first proper three day week .

    Our bedroom is looking lovely and tranquil, I cleared the top of the chest of drawers and put the new lantern on top with a candle in, next to a photo of me and the OH. It feels like a really restful place now .

    Toys in living room bagged up, there is loads to put away in the kids rooms but at least itís not eyeballing me every time I sit down to watch they telly .

    Now about to write application for work development scheme. I know the next three days will be really busy so best to get it out the way.

    Updated end of week savings - some small changes due to losing receipts ordering wrong shoes so this is the final correct version

    Week 1 £55.14 saved
    1 Jan £2.50 taking hot choc, 20p money off shop
    2 Jan £7 online shoe order vs buying in shop (plus extra pair) + £3.60 cashback
    3 Jan £5.60 on travel
    4 Jan £3 saved on bus fair by walking
    5 Jan £1.50 saved on bus fair, £1.79 on PYO Offers
    6 Jan £18 returning candles, 25p not using tumble drier, £3.00 on bus fair
    7 Jan £1.20 Green Jinn, 50p no tumble drier, £7 returning cellophane
    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 7th Jan 18, 7:11 PM
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    museumworker
    2018 New Years Resolutions
    Theme of the year: the year of recovery

    Exercise - integrate three exercise sessions into my week

    Financial - maximise our pension contributions for tax efficiency, restart overpaying the mortgage, start investing in the stock market.

    Relationships/family - deepen relationships with key friends and family

    Diet - reduce carb intake and quit sugar. Lose 2 stone

    Spiritual world - develop understanding and practice of self-care

    Fun/interests - make the most of what we have and where we are

    Home/Surroundings- make our home fresh and clutter free

    Career/Skills - develop mentoring and coaching skills

    Positivity/Confidence - learn and practice CBT, develop a joyful mindset
    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 8th Jan 18, 9:24 AM
    • 1,258 Posts
    • 7,562 Thanks
    themadvix
    Great round up of the week's savings there MW.

    Your NY resolutions tire me out just looking at them! I thought this was meant to be a year of recovery?! I'm sure you'll do well with them though.
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • museumworker
    • By museumworker 8th Jan 18, 10:00 PM
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    • 11,626 Thanks
    museumworker
    Great round up of the week's savings there MW.

    Your NY resolutions tire me out just looking at them! I thought this was meant to be a year of recovery?! I'm sure you'll do well with them though.
    Originally posted by themadvix
    they may look a lot but I have a whole year, right . I think now I’m feeling better I’m trying to get the balance between rest and making positive changes which in themselves are a form of recovery/ way of avoiding future relapses.

    Will give a bit more detail on each

    Exercise - am planning to cycle to/from work at least once a week, which will also save money. Joining free running club after work once a week so can be home by bedtime as of next week. And looking to do yoga on my day off. Totally attainable I think.

    Financial - these changes will be made in new tax year (April) and set us as regular deductions, so won’t have to revisit more than once every six months or so. Will go cautious on the OP/ investments so not struggling to make ends meet each month, that would be stressful.

    Relationships - I need to make sure I see a friend a week, and want to move towards more regular contact with people. This is an end of year goal. I will focus on it more once I’ve lost the weight

    Diet - started Boxing Day and have already lost 8lbs! So even if weight loss slows to 1.5lb a week, should be at target in three months . Then a period of learning how to eat for maintenance - say 2 months. And then should have more time for other goals.

    Spiritual World - I’ve now bought two self care books in the 99p amazon sales. I just need to read them and develop a plan. This will be part of my day off project.

    Fun/interests - I realise we spent a lot of time money and energy travelling last year. We still will have 2-3 foreign holidays but less weekend breaks. We want to do less, and more locally. We also both get free or cheap access to a lot of places so we want to make the most of these. So this one is about doing less than last year, but still having (lower key) family days out to look forward to.

    Home/Surroundings - we’ve been here 10 years and the house is getting pretty grubby and tired. I want to enjoy spending more time here and also make it easier to swap. I started KM a few years ago, finished three categories last year, and now want to complete the whole thing. The small changes I’ve been making are a delight and make it much easier to enjoy the home. Again, this will be a day off project. The OH is tasked with painting , we will do living room kitchen and dining room before end of March , then our bedroom and the two youngest kids rooms by August. Ignoring the teens as she’s trashing it anyway . We hope to get another 8-10 years out of this redecoration.

    Career/Skills - this will be in work time as I’ve been accepted as a mentor

    Positivity and confidence - I have an online CBT course I paid for that will expire in August so need to start it in March.

    I hope that’s a bit more meat and that all my goals support my recovery. Weight gain, clutter and the house being a state are big downers for me so clearing them this year and tackling some mental gremlins seems like the perfect way to recover. I’m taking time to read and light candles too don’t worry
    Last edited by museumworker; 08-01-2018 at 10:22 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
    • Downshifterella
    • By Downshifterella 9th Jan 18, 7:31 AM
    • 86 Posts
    • 497 Thanks
    Downshifterella
    Great goals museum worker!
    Might just steal a couple of ideas if that's okay definitely self care and decluttering need to be high on my priorities this year, has a real impact on feeling good so need to not let these two things slip to the bottom of my list!
    Never really got into the KM side of things but I do have a decluttering plan of sorts...just need to spend time putting it into action !
    MF planning for the simple life
    • themadvix
    • By themadvix 9th Jan 18, 11:03 AM
    • 1,258 Posts
    • 7,562 Thanks
    themadvix
    You do have a whole year and your detailed plan does make it sound more manageable! Good luck with them!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • michelle09
    • By michelle09 9th Jan 18, 11:59 AM
    • 594 Posts
    • 2,777 Thanks
    michelle09
    Great list of goals.
    • museumworker
    • By museumworker 10th Jan 18, 9:06 PM
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    • 11,626 Thanks
    museumworker
    Great goals museum worker!
    Might just steal a couple of ideas if that's okay definitely self care and decluttering need to be high on my priorities this year, has a real impact on feeling good so need to not let these two things slip to the bottom of my list!
    Never really got into the KM side of things but I do have a decluttering plan of sorts...just need to spend time putting it into action !
    Originally posted by Downshifterella
    Steal away, happy to have given you a bit of inspiration. Best of luck with your goals.

    You do have a whole year and your detailed plan does make it sound more manageable! Good luck with them!
    Originally posted by themadvix
    Thanks Vix, glad Iím not biting off too much! Last year I practically had world domination on my list

    Great list of goals.
    Originally posted by michelle09
    Thanks Michelle!

    End of first three day week . Number of additional work days scheduled - 4 . All unavoidable due to imminent insane work project, and I plan to make sure I take two weeks off at Easter with all the additional lieu days, instead of the week and a bit I had planned.

    Tomorrow morning Iím hoping for a lie in, then to cross a few tasks off the ta dahhh list. Tonight Iím about to go to bed to light a few candles and read some free books. Night 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
    • pinkypig
    • By pinkypig 10th Jan 18, 9:10 PM
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    pinkypig
    Sounds fab. Enjoy
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Jan 18, 10:25 PM
    • 838 Posts
    • 3,744 Thanks
    wishingthemortgaheaway
    Booo to extra work yay to more time off.

    Swings and roundabouts as they say.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • museumworker
    • By museumworker 11th Jan 18, 12:14 PM
    • 2,025 Posts
    • 11,626 Thanks
    museumworker
    Thanks both!

    I didn’t sleep in that late but still in Jim jams and have definitely been taking it easy. Feeling a bit anxious today, I think it’s a hangover from the extreme pace of the last few work days.

    Today’s Ta dahhh list:
    * headspace
    * yoga
    * Tidy
    * Sort clothing
    * KM cds
    * washload x 2
    * Buy eggs and single cream
    * meal plan around bulging freezer content
    * Book haircut DONE - £5 plus travel, for next week. Bit gutted I left it too late to get an appointment at preferred place, this one is slower. However I did discover a free place near my work which does evenings so wouldn’t have any additional travel costs. Can’t fit it in before I need it but have registered and will use it in the future. Gets great reviews too!
    * Post mums parcel
    * Sal army
    * Collect kids
    * Hair mask
    * Training evening
    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 14th Jan 18, 4:20 PM
    • 2,025 Posts
    • 11,626 Thanks
    museumworker
    Hey all, had a lovely day Friday, managed to shake the post work anxiety. I got up at 830 and did yoga before breakfast, didnít have to manically tidy house for cleaner for once, and then went to see the Rachel Whiteread at Tate Britain, and met OH for a coffee at work for first time ever! Also stopped by the Wellcome Collection, the Reading Room is one of the nicest places to just relax Iíve been in ages. Read guidebooks and planned some outings for our trip to Finland. Collected kids and really felt happy, such a great pace for a day.

    Yesterday had an evening out, lots of friends there, free food, and dancing! Was a late night though and they didnít have diet tonic so ended up having prosecco/ wine instead. Only three glasses over three hours, plus lots of water but feel dreadful today. Think the diet Iím doing and booze really donít mix well. Iíve been grumpy, short tempered, impatient... and bit low too. Lesson learnt. Sorry family.

    Good news is thereís a delicious roast in the oven, a gorgeous bit of beef from the freezer I got cheap in Mr W last month. Trying to use up stuff in the freezer, we did a very considered shop at L!dl which came in at £50 for the week. Iíll need a few extras for work but a good meal plan. Roasts are very easy on the low carb diet, having celeriac mash and (saved) stir fried cauliflower greens with the roast. Yum!

    House swap wise we are just finalising a summer holiday to Amsterdam which is v exciting. We will drive via the Chunnel so will be free with our Mr T points !

    Week 2 £24
    8 Jan £3 bus fares, 25p tumble drier
    9 Jan £3 bus fare, 25p tumble drier
    10 Jan £3 bus fare, 25p tumble drier
    11 Jan 25p tumble drier, travel free day
    12 Jan 25p tumble drier, £12 on exhibition with museum pass
    13 Jan £1.50 bus fare, 25p tumble drier
    14 Jan travel free day, NSD!

    Smaller savings this week but reflecting that Iím not spending as much. Last night would have been expensive as we bought quite a few drinks for others and we hadnít budgeted for it but weíll work it out. It was really nice to have a night out, and the teen was delighted to look after the already sleeping youngsters - in return for a £15 takeaway!

    One plus this week is that we claimed £65.48 via TCB!

    Tonight must finish school application and start tax return.

    Weíve looked into another (recommended) cleaner to help reduce costs and improve service but it was a little odd - she never answered the number we had for her, a man would and then she would call us back, and then casually mentioned her partner helped her sometimes. We felt a bit strange having an unknown man in the house without permission with a teenager and young kids (and the person who recommended had no idea that her partner helped) so said we were looking for a female only cleaner... only for her to withdraw. We really need someone we can trust and to know who is in our house. So our cleaning costs will be staying where they are for the time being.
    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 16th Jan 18, 10:02 PM
    • 2,025 Posts
    • 11,626 Thanks
    museumworker
    School place applied for, renewed 30 free hours application, listening to free audio book, reading free books via library...

    Tax return 90% done, OH needs to make a call to bank

    I have had a few real coffees this week due to tiredness free from Mr W but had quit caffeine as part of the diet.

    I did manage my first run in umpteen years yesterday after work - 3K run with no stopping! Ache a bit today but pleased I did it and want to keep it up.

    £2.78 claimed via TCB
    Last edited by museumworker; 17-01-2018 at 10:39 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
    • Betterthanever
    • By Betterthanever 17th Jan 18, 8:52 AM
    • 492 Posts
    • 2,872 Thanks
    Betterthanever
    Well done on the running - and as for the coffee, I'm certainly not going to tell you off for that one! Needs must, and we can't do EVERYTHING in one go, much as we would like to think we can.


    Good luck with getting the school place. It seems light years since I had to do such things....I feel so old!!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
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