Pay off mortgage and start having fun!

CathT

Sorry to read there is still so much work uncertainty. Hope the meeting goes well.

newgirly

Thanks Cath 🙂
I am home alone today, first time in a long while! Dd and dh are at work and ds1 is house/cat sitting for a friend that’s away until Sunday. This should be fun but after such a long time at home now it’s not! 

I do feel like after being ok for months things are starting to really build up for me, I think it’s the not knowing what will happen with dhs job in the future. However that’s going to have to move to the side as it’s not very helpful or productive. It’s possible dh may decide or be forced (if out of work) to start his own company again, my dad has a smaller rental unit near our bigger one which is being renovated now. If that happens I will possibly carry on doing parts of my old job there, it’s a very big if though.

So I’m thinking rather than keep looking for jobs online which is currently rather tricky to say the least, I’m going to start what I’ve thought about doing for a long time, an small online selling business, run from home. I’ve talked myself out of it for so long as other people are doing it already etc. But there’s thousands of people doing a similar thing so why should that stop me. It’s along the lines of a low cost personalised gift type thing, dh has the skills to do some stuff, plus I’m going to look at various other types of products. I’ve done virtually no research except the online selling platform I’m thinking of starting with, but dd can design websites and promote social media with good images etc. (From her events work) so I can work her too 😁

Lots of research to do and some money to be put in, but being out of work at 45 is not the early retirement dream I thought it would be and I’m going a little stir crazy 😆

This does feel a bit like a fraud of a mortgage free diary, but I guess if stopped posting when I wasn’t overpaying I would have given up the dairy years ago, I shall keep going in the hope that payments will soon be made again 😬

killerpeaty

Hi NewGirly, I'm sorry to hear that you are going through another rough patch. Sometimes you need to have a down day and have a grump, as is life.

Keep posting, it's called mortgage free wannabe!   

Bargainhunter30

My friend started a business selling personalised items on ebay during the last recession and it helped to buy her half million pound house outright a few years ago. Definitely worth a punt NG, you never know where it may lead...

newgirly

Hi killerpeaty, thank you and I probably will be forever a mortgage free wannabe 😆

Hi bargainhunter, that’s very good to hear! 

I’m so tired, dh dropped ds1 back to the house he’s staying at after he popped home today, it’s a half hour drive and he left at 9.20, he’s still not back 😱 phone dead for hours so I’ve been googling accidents and woke Ds1 up to see when he got back , finally got through and his phone had gone dead and he got lost. He’s still miles away 🤦🏼‍♀️ I mean he drives round central London a lot so I’m not sure how he got lost I think it’s just extreme stress probably, i think I should have gone but he took the electric van which I can’t drive to save money ☹️

themadvix

Lucky he didn’t run out of charge, getting that lost! Hope he made it back in the end. 

I agree with killerpeaty - whether you’re OPing currently or not you’ll always been a MFW!

 Business sounds interesting - keep us in the loop! 

South_coast

killerpeaty said:

Keep posting, it's called mortgage free wannabe!   

Love this!

Glad DH got home safely x

newgirly

Thanks guys 🙂

I’ve had a fantastic day, went to the shopping centre first thing for a coffee in an empty costa (Points used) then lunch by the water in the sunshine outside of prezz@ with two friends 😊 £26 for lunch but we did have two courses, three drinks and sat there for hours. It was great to do something normal, although the personal spend budget took a hit! The only other spending was a basket of yellow sticker food from m&s - very low priced actually not like their normal reductions, lettuce for 15p etc. Plus I bought a vest top in primarni for £1.80 and some pegs, nothing too extravagant. 

Finally my n@xt sale order came from an age ago, matching Xmas pjs for dh and I , we have never had them before and I’ve always wanted some - £6 each from £25. I was going to return them due to the work situation but I just can’t I love them 😍 

Work meeting is tomorrow, he’s booked myself ds2 and dh (possibly more) at 1.30 and he needs to get the train home in the next town at 3pm, he used to arrive 9am but now it’s 1.30 , it says it all really! I have about three hours of stuff I want to say ........   

South_coast

I recommend bullet points NG 😀! My consultation was probably easier as it was over a video link and I could read off my screen (and therefore not have to look at the people hosting it!), but I listed a load of bullet points and colour-coded them so that if I got upset I could make sure I got the really important points across. Most important was red, everything else I wanted to say was black; then in grey (so it wasn't staring out at me on the screen like the rest was) were things I would say if I was pressed for more detail but not until then

You could definitely replicate something similar on paper though, and you can always say you'll be following up with a written statement if you don't feel you've made all your points/you run out of time. Good luck 👍 

newgirly

Thanks south coast, I’m going in early so I can have a good look at all the work that’s sat there untouched since I’ve stopped that nobody knows what to do with. I won’t be training anyone up (unless it’s dh or ds2 ) to do my job, but I’m sure they won’t even have a clue what the impact will be! It’s hard as there’s much I want to say about dhs situation but that’s not my place really especially if he’s staying part time at least for now.