Bumbling along to be Mortgage Free

gratefulforhelp_2

Michelle put away those feelings about your job. You're trained for a great job and one day you may choose to go back to it in a school where they can offer proper support.
Your last school didn't. That was their fault not yours.

SmlSave

That sounds good to me Michelle I think having the car savings as an extra emerg fund is a good back up plan to have.

What did the cavity wall surveyor say?

katsu

Hi Michelle,

I am very impressed with how far you are stretching the money - and envious TBH about how small your regular mortgage payments are - mine are more than your combined "Bills by DD total"

I assume you've done all the checking for value etc on each element recently? I'm not sure how often to re-check the various things?

pammyj74

How long has it taken you to get from £95k to £31k? Wish my total was as low as that. I'm at about £78k at the moment

saw your mail on dooyoo, thanks, didnt realise you were on there.

pavlovs_dog

cha97michelle wrote: »

I have paid off nearly £2k in the last 80 days just by joing the one debt vs 100 days thread and really going for it. There is interest payments making it not actually £2k, but you get the idea. Know we are getting lower, the interest is a lot more reasonable (only £2.15 a day at the minute) so by continuing to overpay at more than the interest means that we can really see it going down quickly.

that's £25 a pay :eek: :money:

yet you seem to have some notion in your head that you are not doing enough towards OPing of late... stop beating yourself up!

£25 a day girl... I'm in awe!

:T:T:T

gratefulforhelp_2

You are doing so well. What do you think your new focus will be when you are mortgage free??

[Deleted User]

michelle
glad your back to normal now (whatever normal is!!) I think the work situation/stress has taken a lot out of me and am seriously considering my options right at the moment (and having a rest!) thanks for sharing that , and your MF progress , you have done so well especially on one income! our mortgage(s) are much larger but also potentially 2 incomes coming in again by I hope december this year or early next year so definitely doable!
I remain an ebay virgin but am trying to hunt out stuff I can get rid of *ahem* "sell" on there!...
will also look into the survey sites!

yes what will you do with no mortgage do you think?? cant wait till I can say I have a mortgage that small! :T

earthgirl

Wow, loved your story, its great to see that all the hard work you put in really pays off - inspires me to keep going although I know I will have tough times and "i want" days ahead! Thanks for posting that!

skintscotslass

cha97michelle wrote: »

I know what you mean about the weight loss side of things as that is how i feel, but what struck me is the big smiles, and your daughter. How much does she look like you? Scary. You deserved the cap and gown and to have the big smile.

Funeral tomorrow. I would feel really awkward to just turn up at the wake as it is at my old workplace. I haven't been back there since i left work one day, went on the sick and did not go back. Well, apart from the once when i went in on the holidays and saw the head. I just can't bear the thought of everyone making a fuss at me. I have some good friends there but also some false friends including some who i made guests at my wedding who are so shallow they have unfriended me on facebook. Mental illness of any sort is obviously not there thing, fair enough, but i am in a fragile place still. It would be different meeting at the crematorium as i would not need to mingle too much so could avoid them. Amazing how i still have hang ups from teaching even though i am no longer there.

It was quite funny as all my friends from uni could spot DD a mile away! Mini me indeed! She is currently riffling through my jewellery and belts to accessorise an outfit lol.

I'm so sorry that the your former 'friends' have turned out to be so shallow. I can only hope that they are never in that situation. I was lucky in that many of my colleagues were very supportive. I think that is because so many of us have had stress, depression and/or anxiety. I was touched at how kindly many people spoke to me on my return. It's nearly 2 years to the day since I returned and it took a good year for me to get back to almost normal. Its also only about 9 months since I came of the ADs completely. You'll get there in the end my love xx

knitwit67

As a hypnotherapist can I just say relaaaaaaaax. Enjoy the day, the little ones will grow so fast. Yes plan for the future but don't miss these special years. Friends that drop you wen you are low are the ones that know thier foundations are not stronge , so it scares them. Be true to yourself , You love your family, and they love you, that makes you rich, money can't buy that.