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SF's road to mortgage freedom!

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Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ooh, thats not long!
    2023: the year I get to buy a car
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Karmacat wrote: »
    Ooh, thats not long!
    Nope! And I'm going :D
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oooh exciting :)
    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.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Brilliant! I know MG and FQ have been at one time or another, but also couldn't afford to go at other times (discussed publicly, I'm not sharing confidences). Really glad that you're going to go along :)
    2023: the year I get to buy a car
  • Knit_Witch
    Knit_Witch Posts: 4,436 Forumite
    1,000 Posts Combo Breaker
    jumps up and down with excitement! :j:j:j:j
    Must use my stash up!
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yeay! :) xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm feeling a bit down today, probably due to the fact that the holidays are over and I have been back at work today, for a training day. It was fine and it was nice to see my work colleagues and hear their holiday tales, but I have missed DS so much today. It's like having to go through going back after maternity leave all over again, to be honest. Having spent every day together for the past six weeks, I found it hard to leave him this morning. He's probably had a lovely day with his grandparents, so he's not bothered :rotfl:

    So, with that in mind, I need to get back to basics this month. There are some things that feel very overwhelming at the moment so I need to just take a tiny step back and take things one at a time.

    So, September plans (my ramblings about them anyway):
    1. NSDS - aiming for 20. I need to get back with having spend free days as it'll help our budget and stop the little spends that have crept in lately.
    2. Lose 8lbs - I am enjoying slimming world even though I am hit and miss during the weeks. I do feel better when I stick to plan, so going to try very hard to do this. Even though I had a bacon sandwich today :o HoD bought me one at break time and it seemed rude not to eat it :o
    3. Read 2 books - I love reading and it's something that I find relaxing, so want to focus on this just for me. 10 minutes before bedtime each night, at least :)
    4. Get all of the wallpaper off the staircase and hallway. This has been stressing me for months and we have been living in a state of diy for ages. I want this done; I hate living in this mess. The wallpaper is seemingly stuck on with superglue and is a very slow process, but I need to get this done for peace of mind. We can then get the decorating done at the start of October; having a end in sight will make me feel so much better about this.
    5. Put at least £700 into savings - I'm so far behind on where we should be for our Ultimate Dream Fund challenge (see blog) but I need to focus on the month to month things and stop panicking about the bigger picture at the moment. Again, going back to basics will made this possible, I hope.
    6. Keep on meal planning - if I plan, I tend to stick to it more and spend less.
    7. No takeaways - need to stop this naughty habit. Will also help the budget and waist line!
    8. Finish my project that I'm working on? I'm deliberately being vague on this at the moment, but it's something I have been working on for a while, aside from the blog, that I hope to get up and running asap.


    Right, that'll do to begin with!
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    September 1st, 2016.

    So, back to writing daily so that it focuses me and also I quite looking back at it later on to see the progress (or not!) that I make.

    So, NSD 1 of the month today; I didn't take my purse to work so that helps ;) I'm hoping that every work day will be a NSD this month, if I still to my meal plan that is. I got a bit lax at this towards the end of the summer term, so I need to get back on this asap.

    Meal planning also continues to play a big part. We had steak with a mushroom sauce for tea with chips, all homemade and slimming world friendly. Was really tasty :) I then had a little bag of maltesers for pudding. My little sweet treat of today :)

    I transferred over £40.44 as an overpayment today, so make a good start of the month. My target for September is £100 so 40% of the way there on day 1 :) I also transferred £0.27 to savings, not to be outdone :rotfl:

    Happy Thursday :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A bacon sandwich is ok now & then :)
    Have a happy September.
    Might it be worth hiring a wallpaper stripper?
    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.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    beanielou wrote: »
    Might it be worth hiring a wallpaper stripper?
    I think that if it isn't off by the end of September, we might have to consider this as an option.
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
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