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SF's road to mortgage freedom!

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  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm feeling a bit unmotivated at the moment - everything seems such a long way off, or goals that are long-term seem to plod along so slowly that it doesn't seem like we'll ever get there.

    :o:o

    In MSE news, it's been another NSD for me and the bank accounts look good. As it's payday on Friday, I'm hoping to do some transfers across to the various accounts, including a higher rate of savings this month compared to last month.

    Gosh, I'm in such a down mood today, sorry :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

    ((hugs)) be kind to yourself- you're probably still getting over being ill so doing a job which takes up so much of your time -especially when you'd rather be at home with the furry ones - will take its toll on you a bit more too.

    I really hope your cats get better soon hopefully the vets treatment will take effect soon x

    Any chance of popping in some stepping stone type short term goals? Its an idea i'm going to try next month as i am the same with not seeming to get anywhere fast or as fast as i would like. Hopefully short term achievable goals will keep the focus and motivation going. So i'll be challenging myself on the food spend so that'll be weekly and totalled monthly. And i'm going to challenge myself on surveys so little steps but they all help x
    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
    DFW - I set monthly goals as well as longer term ones, so I do have some more achievable ones :) it's just that I feel like sometimes I'm not doing enough. I then have to remind myself that what I'm doing is just fine enough at the moment. It's a hard thing to balance sometimes :o

    Another day done :) not a NSD today as I've been to someone's leaving do at work and then I've done some shopping at morrisons to top up on some things that we need. Also managed to get DH some doughnuts for 9p (for 5!) which he was very pleased with :D

    Only 2 days to go until the holidays; not that I'm counting..... ;)
    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
    It's half term :j :j :j

    It's also payday today so I've shuffled various monies around and everything is looking okay at the moment *touches wood* I'm hoping to transfer a tiny bit more before the end of the month, providing nothing unexpected happens :)

    I'm just sat waiting for a friend to arrive and got the alcoholic ginger beers in the fridge :) ah, love Friday nights..... :)
    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
    Hi SF,

    Sorry i got the wrong end of the stick :o Have a fab hols :D
    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
    This is a copy of a post I've posted in another thread, but I'm posting it here so that I can remember it at some point later on when I need it.

    As someone who spent the afternoon yesterday at the funeral of a friend of ours, who died age 25 and then at the wake with all of his family, it made me think about what I consider important.

    As someone who is also a disappointment to my parents, I've decided that I'm not going to let them rule my life anymore. I have a lovely little home with my husband, bought with a deposit we worked and saved hard for, I have two gorgeous cats who are very happy so long as they've got food, a bed and some cuddles now and again. We (me and DH) will never earn as much as my parents combined, because we do different jobs to them, but that doesn't bother me either. I don't need a lot to make me happy; I love just spending the evening with DH and the cats, watching a film snuggled up on the sofa.

    Life is too short to feel constantly like you're not doing enough. I'm determined to not live my life like that any longer. Yesterday further cemented my beliefs about life; time passes far too quickly and you never know when your time is up. You need to spend it with the people you love, and all the good stuff in between is just a bonus.


    Yesterday was hard because life seems so unfair at times.

    I may be slightly re-assessing our priorities and goals as I ponder what's really important, going forward.
    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
  • ljaneyr
    ljaneyr Posts: 1,135 Forumite
    Tenth Anniversary Combo Breaker
    I'm sorry for your loss SF. It's even more difficult when you lose someone before their time.


    Life is too short to feel constantly like you're not doing enough. I'm determined to not live my life like that any longer. Yesterday further cemented my beliefs about life; time passes far too quickly and you never know when your time is up. You need to spend it with the people you love, and all the good stuff in between is just a bonus.


    I couldn't agree more. Good luck with making a some positive changes. Sending you virtual hugs,

    Janey x
    "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...
  • Peonie
    Peonie Posts: 1,471 Forumite
    Hugs SF. A loss is hard.

    Good luck with your new priorities and I look forward reading them.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    To quote Stephen Sutton ~~ Make it count :)
    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.
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    My sympathies SF, we're going through the same at the moment, with the funeral of someone very special on Friday. It's made me reassess things - in my case wanting to finish work and enjoy life, but we're at a different stage in our lives so you need to work out what is best for you and Mr SF.

    Take care and carpe diem xx
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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