Pay off mortgage and start having fun!

LadyGnome

Sorry to hear about the leak.  We had a leak from the loft bathroom into the main bathroom below which led us to have to pull the ceiling down and let it dry.  It was less than ideal but the actual repair work was not massive its just the dirt and disruption.

newgirly

Thanks guys, looks like we have a £600 excess on the home insurance policy if we are even covered, as it’s just the ceiling being replaced I’m not sure its worth claiming, I’ll get dh to talk the the builder neighbour.

Today I’m off to Hampton court with a friend, we planned it for our birthday that last year and she booked last week as the weather was so good 😂 it’s tipping down and apparently there’s an artisan fayre there today, I think it will be very wet! 

Looking at the finances, if I pay for the cruises and £500 ceiling budget, £400 odd for the dentist for us both next week, plus garden spends and anniversary trip we will be not making any proper ops until October this year 😱 That takes us to an end date of December 2024 if we stop spending, at least it’s ahead of the 2025 finish I’ve been thinking we have until I spotted the spreadsheet error 😂

Moneyfordreams

oh no. how awful for you. hope it gets sorted soon 

themadvix

Have a nice (wet?) day today NG!

Mrs_Money_Penny

Hope your having a nice day. Been pouring down here all day xx

CathT

Hope you were able to have a lovely day yesterday and forget about the leak stress and mortgage for a little while. It's all about balance isn't it and we do need to live a little on this MF journey. 

killerpeaty

The leak sounds like an absolute nightmare. I think I would genuinely cry.

Hope you had a good day even if soggy!

newgirly

Thanks for the kind wishes everyone, I had a good day at Hampton court palace although it was very wet! 

I spoke to the insurance company and the excess is £600, so I’ve given them all the details and can action a claim if I want to, however we may get a quote to sort it out first from the builder. I would imagine we will need to claim though. 

Went to the cinema tonight to see The Father, very good but a hard watch, tomorrow the tues/weds cinema club (ds2, his fiancée and I usually) are off the see In the Earth. At least the cineworld subscription is good value for me at the moment, £18.40 per month plus we have about 5x meerkat accounts for free tickets on Tuesday/weds and a full price basic adult ticket is now £13.74 at our local 😱 

Back to the dentist tomorrow for my second filling of the week as well as a hygienist visit,  or sure which is worse the treatment or the bill 😂

Jessy103

Sorry to hear about the ceiling and hope it doesn't cost too much to fix. Good luck at the dentist! ❤

newgirly

Hi jessy, hope you are ok 🙂 The densit was not fun, I was shaking like a dog at the vets again 😂 but they were nice enough. 

Not much to report here really, went to see ‘in the Earth’ at the cinema, well twice actually as ds2 made us leave first time due to too many people and a row of crisp eater’s right behind us, went back the next night and saw it in peace! 

I’ve been in a strange mood lately, I think lockdown may have made me a little crazier than usual if I’m honest and my hypochondria reached dizzy new heights, I am feeling a lot better now and much more normal and am taking adult steps to be sensible and look after myself (for example the dreaded dentist) so I can get on with life and stop worrying about everything.

This has kind of had a knock on effect and I’ve been thinking a lot more about our mortgage free journey which seems to be a never ending one due to one reason or another 😆 I think fear of what might happen work wise has been the driving force for a year or so, will dh lose his job etc. 

It seems he feels as safe as he can as some time has passed and he’s put in place a few ideas that would mean we could be ok if he did. 

So now it’s a battle between the pull to pay it off ASAP and the pull to get on with doing what we had planned originally - which was to clear the mortgage april 2020 and do a bit of travelling (in short bursts anyway) so it’s a time vs money question really. 

When it was two years or so to go it felt fine but now we are looking at 4 years plus I’m not sure I want to wait that long on a very tight budget, earlier in this diary I spoke about dhs best friend and boss who was due to retire at 55 and at 53 died of a brain tumour, I worry I’ll make the working decision either way! 

So I’m struggling to settle on a timeframe to work towards currently, I think I’ll be probably taking longer than I’d hoped, we got a new 20 year term this January and I was hoping for 4 to 4&1/2 years ish but making it more like 8/9 years would mean a massive lifestyle shift and we could do what our mf plan was originally now. 

This needs a lot more thinking through 🤔