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MFW: Next step towards total freedom!

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  • caeler
    caeler Posts: 2,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Thanks all for your positive comments!  It feels good but somehow still a bit intimidating. And I'm feeling a little impatient! But 100 days is nothing really.  February has been a rough mentally so far.  I'm not sure what is causing it but I think having been on lockdown since Christmas isn't helping.  I've got a couple of days off work soon so I'm hoping a bit of self-care and rest will reinvigorate me!
    @slm6002 @TallGirl @eat_that_frog
  • Sorry to hear that @caeler but if it helps to hear I also hit a wall (so to speak) mid-Jan time. It passed after a fortnight or so so I'm hoping it passes quickly for you too. I remember feeling quite negative about things and if I look back at my thread I can see when I made an OP on my mortgage back in Jan I remember feeling really low at the time about it, rather than enthusiastic like I usually am. Lockdown is just really tough I think so take care of yourself.

    100 days is amazing and I'm not surprised you're impatient. I would be too! Amazing achievement though.
    Mortgage free as of March '25!
    £240,000 paid off in 4 years, 8 months and 18 days (July '20-Mar '25)
    Mortgage paid off 19 years early.

    2025 MFW #40

    2025 Goals

    Pay off mortgage of £55k for good! - £55k/£55k paid - mortgage free!!!
    Keep emergency fund at £10k - £30k/£10k - goal met!
    Lose 12 kgs - 3/12 kgs lost so far
    Try 1 new activity/experience as a family each month - 0/12 new activities/experiences tried
    Decluttering - declutter 500 items from house and outbuildings - 162/500 items so far
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Perhaps you should play 99 Red Balloons 🎈 today!
    For some reason I'm waking at 5am this week, so glad I'm on holiday next week.
    I think we all hit the wall at some point, it's more noticeable during the lockdown hokey pokey...
    You're so close now!
    If it's not adding up, compound it!
  • Grogged said:
    Perhaps you should play 99 Red Balloons 🎈 today!
    For some reason I'm waking at 5am this week, so glad I'm on holiday next week.
    I think we all hit the wall at some point, it's more noticeable during the lockdown hokey pokey...
    You're so close now!
    This is a great idea - something related to the number of each day to help you count down! 
  • Aaargh, I've got that stuck in my head now Grogged 🤣!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • caeler
    caeler Posts: 2,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    97 days to go!  (I'm counting down to mortgage neutral day now, I've been switching between neutral and redemption so I'm picking one!).  And I'm not sure I've got it in me to come up with a creative theme for each countdown!

    9 NSDs this month so far.  I did the big grocery shop last night!  I'm extremely well stocked up so I won't need to do another big grocery shop until April! It feels pretty good to have a very full fridge! I also treated myself to some red wine, I've picked up a few firm favorites and a few bottles I've not tried before. I'm looking forward to trying a new one with my roast dinner on Sunday.  I brought a red cabbage too as I've nearly finished the batch of braised red cabbage I made at Christmas.  

    I'm feeling a bit better than I was earlier in the week. Thank you for all the kind messages.  I had my light bulb moment that I wasn't myself when most of my team asked me if I was okay.  I was a bit overwhelmed by that but it makes me so happy I work with such lovely people. I'm planning some self-care this weekend as I'm off work now until Tuesday.  I'm not sure what triggered me feeling this way but my guess is sheer volume of work plus some issues I wasn't initially sure how to resolve and continued lockdown.  I forget I've been locked down alone since just before Christmas!  Got Zoom drinks tonight which will be fun and break the monotony.  Zoom has been a life saver really.
  • Well here's 97... a song by Alkaline Trio. No, me neither. 

    https://youtu.be/bhcLkuKGze4
  • Ami-Rose
    Ami-Rose Posts: 112 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Into the double digits @caeler! That's exciting. I'm always in awe of how many NSDs you manage. I find that when I start tracking them I spend more so I try not to think about it, haha. 
    MFW: Starting balance, Jan 21: £102,950
    MFW21 Challenge #25
  • slm6002
    slm6002 Posts: 4,434 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I keep trying to get my dad to call his energy supplier as they haven't changed in the time they have been there - almost 20 years.  I will keep pestering and when allowed I will sit with him to sort it out.  After the seeing the savings I am hoping he will keep going with the other bills
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
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