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Mortgage freedom..Shala_moo's attempt at a diary..

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  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks GG - that's an actual picture of what I was doing.. OH thought i'd won thousands :rotfl:
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Pushkin
    Pushkin Posts: 795 Forumite
    Hi Shala-moo - impressive win but how many competitions have you entered?:cool:

    Glad you are feeling better too...
  • beanielou
    beanielou Posts: 96,090 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Your goals for 2015 are looking good :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    What a lovely surprise to win a competition. When I used to do comps on a regular basis I got excited about a mug or DVD, heaven knows what I'd be like with £100
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning :wave:

    Pushkin - i don't enter that many, not as many as some people i read about - maybe 10 a day.. it still takes a good hour though to trawl through them all and find the ones you want to enter.

    I definitely don't do as many as i used to, i was getting a bit disheartened at not winning..

    Hi Beanie :wave: good to see you!

    Goldie, i think i'd have been just as excited at the book or DVD too.. i think it's the fact you're getting something for nothing :rotfl:

    On with my work day then, i'm trying to find an app that will play me nice, relaxing music through the day (we're allowed headphones at work)

    I sit next to a mood hoover and i find it difficult to concentrate and not get dragged down, so i thought this might be a good option to keep my stress levels even :D

    Have a good day xx
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • A mood Hoover! Never heard that before but know exactly what you mean. I once won a pair of tights. I don't even wear the things but was so excited to receive nice post.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I downloaded a nice app for work with ambient music on it:T.. it's lovely, I feel really relaxed now, it doesn't completely block everyone out but it makes them less important in the noise IYKWIM.

    Only downside? it makes me want to book a day at the spa because it's the same music :rotfl: not so MSE is it! OH and I are going to go for his birthday in May :j hopefully i'll have lost a bit more weight by then!

    12lbs down so far but struggling to get more off.. need more of this :j:j and less of this :EasterBun

    :D
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • beanielou
    beanielou Posts: 96,090 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I am with you on the less chocolate.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • pink_poppy
    pink_poppy Posts: 2,181 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    When I say I'm going to eat less chocolate, I usually end up eating more :o
    'A watched potato will never chit'...
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    I am with you on the less chocolate.
    pink_poppy wrote: »
    When I say I'm going to eat less chocolate, I usually end up eating more :o

    Unfortunately it isn't just chocolate that's been the problem, I've been eating anything and everything :eek: onwards and downwards though (in weight terms) even if it takes a year to get to target then i'll still be there by next Christmas.. then I can spend 2 weeks putting it all back on :j;)

    Had a not so good week at work, it's made me even more determined to try and get this mortgage down to a manageable level so that if I leave/get made redundant/go off sick/get sacked/have to care for an elderly parent* then I don't have the worry of finding £1k a month to keep a roof over our heads.

    So money saving things this week...
    • OH has taken to making his own soups instead of paying £2 odd for the shop bought ones - last week Broccoli and Stilton, this week BNS and Chorizo
    • £10 Amaz0n voucher claimed from Ips0s
    • £5.05 TT OP'd to mortgage - wanted to just do 5p but I have to trf more than £1 :( so I rounded it up
    • £81 trip to the butchers - should last a good couple of months - probably saved £50 on the same amount of meat at the supermarkets
    • showed OH how shutting the doors to the living room makes the room a lot cosier without having to turn the heating UP! Bless him, he's learning :D he did say after "why did you never tell me that would make me warmer"

    I've been reading a few blogs lately about weight loss, and one in particular caught my attention about trying to turn your negative thought process to a positive one, this is something I really struggle with (especially sitting next to the mood hoover). So I think 2015 will be the year I try and see the positives in stuff rather than the negatives..

    I bought a food diary, to keep track of my food for Slimming World and it also has an exercise bit to fill out, well that won't be used :rotfl: so instead I will fill it out with positives for the day. Already today I woke up to glorious sunshine and the squirrel family, blue tits and other birds playing in my garden so it's already a :D day..

    Hope everyone is ok with the weather we've been having, i'm hoping not to wake up to snow tomorrow - off to check the weather report now!

    * delete as appropriate
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


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