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SF's road to mortgage freedom!

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  • ljaneyr
    ljaneyr Posts: 1,135 Forumite
    Tenth Anniversary Combo Breaker
    Hi slowlyfading,

    I can really identify with that feeling sometimes! I am either extremely careful with money and get really fed up because it doesn't seem to help, or I relax a bit but spend more. I haven't managed to find a middle ground yet!

    I was so desperate to buy a house for years and I felt I would never get there. Now we are engaged and I feel like the wedding will never happen! I'm sure it will pass, it always does, but it's tough waiting for things!

    Janey
    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    Bought our house 2012 :) Married 2015 :D Started renovating 2015 :eek:
    Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    ljaneyr wrote: »
    but it's tough waiting for things
    It really is! :o
    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
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    edited 17 March 2014 at 9:26PM
    slowlyfading: I imagine you are making much more progress than you think you are. :)

    If I recall correctly you are the musician? On a weekly basis, I bet you do not notice an improvement in your playing but if you were to have recorded every performance from day one (yes, including that rendition of Fur Elise (cringe) for school assembly. You know the one where you proved you were "serious"...) you'd see just how accomplished you have become. This is just the work / life equivalent.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    AlexLK wrote: »
    slowlyfading: I imagine you are making much more progress than you think you are. :)
    I think I am really - I'm just not that patient ;)
    If I recall correctly you are the musician? On a weekly basis, I bet you do not notice an improvement in your playing but if you were to have recorded every performance from day one (yes, including that rendition of Fur Elise (cringe) for school assembly. You know the one where you proved you were "serious"...) you'd see just how accomplished you have become. This is just the work / life equivelent.
    I am, and that is very true - thanks for stopping by and reminding me of that :)
    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
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    edited 17 March 2014 at 9:45PM
    You and me both with regards to patience. You are very lucky to have dropped into money saving whilst young (I believe you're younger than I) and planning what to do with your life is (I imagine (can't say I've ever planned anything, just fell into things)) productive. However, there's nothing wrong with a little spontaneity at times.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yes, spontaneity is something I'm not that good at :o
    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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hey SF,

    I've missed your posts - glad to see you back :D I too am constantly wishing my life away it seems - for me though its just the weekend :rotfl::rotfl::rotfl: [STRIKE]I am hoping [/STRIKE]this will change when i get a new job which i enjoy doing :) In the meantime i am consciously making an effort to be more engaged in the day so taking the time to really listen to colleagues and take on board how they are doing and celebrating the achievements they have in their personal lives. Ensuring i am polite, patient and considerate - its hard when you use public transport and are crammed in - this is often for me just realising that other people are in a rush and if they physically push past me to get off the train before me / stand on me etc. then maybe they have alot going on in their lives? This helps alot of the niggles wash away. Other times its feeling good that i actually pointed out to someone their lack of physical awareness whilst wearing a rucksack :) i guess its not sweating the small stuff :) All these things work to help make me feel a bit less drained at the end of the working day. And finally, shaking things up a bit - instead of settling down to housework and study when i get in contacting a friend, going out for a walk, watching a program that i really enjoy. I *do* have a routine pretty much - its hard not to when you work a set shift and have to catch x trains etc. but small variations in the day help it feel less like a dull working week :)
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    :hello: DFW, and thanks for popping by :) and you make a good point, I do need to enjoy the moment now rather than wish my life away!
    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
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    SF, are you me? Let's see...
    Not very good at being patient ... tick
    Fed up with marking etc ... tick
    Fed up with mortgage numbers only moving very slowly ... tick
    Not very good at spontaneity ... tick

    Ah, no, I found a difference: you have a man and are hoping to have kids whereas I have kids and am hoping to find a man.

    DDFW is very wise, though. Hope both you and I can find some ways to enjoy the here and now even while making progress towards better times and places. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Lois_E - thank you for stopping by :) your post did make me smile! I also hope that you and me both find a happy balance :)

    My bike arrived on Thursday and I love it :) I had to pick it up from town so cycled the 3 miles home - loved it :D made me feel great, if slightly sore from the seat (!) and I can't wait to get out on it more. I actually enjoyed the exercise! Something I don't do enough of.

    I've had a lovely weekend with my parents, had a nice day out yesterday and just a pottering day today with a very tasty Sunday dinner in the mix. Just what I love about the weekends :)

    Work continues to be very busy, as coursework deadlines start to loom and various students suddenly start to feel the panic of not being prepared/not done enough. Still, only 2 weeks til the Easter holidays :)

    I get paid on Tuesday, so I'll do a bigger, end of month style post then. I'm hoping for it to be a good month end report, as we've been pretty good this month :)
    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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