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BookWorm's MFW Chapter

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  • Happy birthday :beer:
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017
    MFW #14 £3746.90/£10,000
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Happy birthday :j
    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"
  • BookWorm
    BookWorm Posts: 2,510 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks for stopping by MC & GG :)

    I was back to work today and it was a real struggle mentally - just felt like I was clock watching all day! So I'm extra pleased to be home :j

    No money news.... just waiting for pay day...lol
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks for the cake. Hope you have had a lovely day.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • BookWorm
    BookWorm Posts: 2,510 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks for stopping by Cath :)

    Morning all - I've been quiet the last few days as just trying to get through the working week - it's been a real struggle for me. Not sure why but hoping it's better next week. So I'm :j it's now the weekend

    Paid off the cc - bit disappointed with myself about how much I spent over Xmas and new year. Must try harder this year. I need to be strict with myself again this next month to get back on track.

    Managed to get a 15% saving on my car insurance from current provider so have renewed with them. I'm pleased with that as I didn't really want to move it

    Have a great day whatever you are up to

    BW :)
  • BookWorm
    BookWorm Posts: 2,510 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good Morning :hello:

    Been awol this week. Partly due to work being nuts but I also had a funeral to attend (some of you will remember I lost a relative at New Year). It's therefore been an emotional and mentally draining week. I'm looking forward to a new month starting and looking forward again

    Been a relatively low spend week. Only groceries in the main and a couple of charity sponsorships for colleagues.

    No OP's made this week but I finish the month by knocking another month of the mortgage :T Small steps but there are definitely visible signs which is great to see and I need to focus on that when I have the days I feel frustrated with the progress.

    I'm setting myself the challenge of not using the cc this month at all. This may be tough as I have a few social events coming up this month (and even into March) so I need to be careful with the spends in all areas to achieve this.
    In fairness I only used it once this month for the car insurance which will be paid off on time as I have the money ready to go when it's due.

    Had more snow overnight, though only a dusting really. However, it's giving me a good excuse to stay indoors and get some jobs done around the house.

    Have a great day :)
  • BookWorm
    BookWorm Posts: 2,510 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning

    It's taken me a while to get going this morning :o

    I have beating myself up mentally most of the night. I am currently working through an OU course (4 weeks in) and yesterday I got one question wrong in the end of module test. So now I have broken my previously unblemished 100% score :( I know it's silly but I can't seem to let it go

    Can't believe it's already February...time seems to be whizzing along

    BW :)
  • edinburgher
    edinburgher Posts: 13,972 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I have beating myself up mentally most of the night. I am currently working through an OU course (4 weeks in) and yesterday I got one question wrong in the end of module test. So now I have broken my previously unblemished 100% score I know it's silly but I can't seem to let it go

    Hugs.

    I know what it is to beat yourself up over things, I analyse every mistake I make for months after the event. I have no words of wisdom to offer beyond asking 'if you could go back in time, would you (honestly) have answered differently?' If not, you'll forgive yourself in time.

    Be kind to yourself :)
  • BookWorm
    BookWorm Posts: 2,510 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hugs.

    I know what it is to beat yourself up over things, I analyse every mistake I make for months after the event. I have no words of wisdom to offer beyond asking 'if you could go back in time, would you (honestly) have answered differently?' If not, you'll forgive yourself in time.

    Be kind to yourself :)

    Thanks Mr E - I'm not good at being kind to myself :o but will try ;)

    I did consider another answer.. and I think I only picked the one I did because it was the last question and I was rushing a bit at that point. I do think if I had take a few seconds more, I could well have opted for the right answer. I think that's what's bothering me so much....
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    BookWorm wrote: »
    Thanks Mr E - I'm not good at being kind to myself :o but will try ;)

    I did consider another answer.. and I think I only picked the one I did because it was the last question and I was rushing a bit at that point. I do think if I had take a few seconds more, I could well have opted for the right answer. I think that's what's bothering me so much....

    At the end of the day you're on track, assuming you're going 'all the way', for a first :T. I don't think they do 'first with knobs on' - if someone else had got your scores what would you tell them?
    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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