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Spent 4 years pretending it's all OK

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,398 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Afternoon NOA, the last few years sounds like it's been really hard going for you. Life really can change in the blink of an eye and sometimes it catches our breath and slows us down more than we ever thought it would.
    I hope you have some let up now on anything else occurring to knock you off track and can continue to move forward through the grieving period. I know there's no time line on these things... and if you're having an off day the support you get here is amazing so I'd encourage you to continue to share and post. I think we all have moments of misery, anger, upset and depression, ups and downs, it's life, and you'll always find someone with an understanding and compassionate ear ♥️. Hope all else is okay with you? 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • triple_choc_chip
    triple_choc_chip Posts: 1,139 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Xmas Saver!
    So sorry to hear about your mum and so soon after losing your dad too. FWIW, I think you were fantastic for the level of support and companionship you were able to give her in those final months and I’m sure your mum appreciated the precious time she spent at home with you and your family.

    How is the garden? If I remember it was large and unruly but with potential to be beautiful. 
    Debt Free 🍾 since 6.8.13 £31,997
    Saving for 🎄 🎁 2025 £416/£850 49%
    6 mth 🆘 fund £6k
    Mortgage offset fund £24.7k/£40.3k 61.3%
    It turns out the answer to my problems wasn’t at the bottom of this tub of ice-cream, 🍨 but the important thing is that I tried...
  • NoOneAround
    NoOneAround Posts: 1,842 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Thank you all for you kind support Cherry, DFW and TCC❤️
    It’s been hard to remember how much I have to be grateful for. The sadness overwhelms everything, and it’s hard to be happy about all the good things without feeling the loss of parents, especially as I spoke to them everyday.

    My garden is wild and thriving, and a haven for wildlife - it’s very much rewilded! It’s beautiful and has been my soul space and sanctuary. I often sat with mum in the garden while she could, we watched the birds and butterflies and bees,  it was a warm dry summer. 

    Most recent news: promotion at work! Will take new role after summer hols. Can’t believe I’ve been there nearly 7 years. Everything works out in the end - doesn’t it? Consistent income even through pandemic gave us a lot of financial stability.  And now I might have better job satisfaction too 😊 

    House - a mess. Decluttering urgent. 
    Paperwork - ongoing and boring
    Have discovered Vinted! So far sales have netted £177 - it’s quite addictive

    I  thinking already mentioned mortgage is paid! The money we earn is now ours so need to sort out remaining debt, but no longer worried.
     High Anxiety all the time though, trying to work on this as  it really doesn’t help with health issues. 

    Should go to sleep now - work in the morning. Thank you for reading 
    NOA xx









    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Darling @NoOneAround I've read through your whole diary and have subscribed.   You've done brilliantly.   Looking forward to following your journey love Humdinger xx 
  • Cherryfudge
    Cherryfudge Posts: 13,256 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Your garden sounds lovely. Gardens with wildlife give such a feeling of peace and perhaps continuity: that sunshine and those bees will have been there every year since there's been a garden, and will continue.

    Very well done on both the mortgage and the promotion. I hope the new job is satisfying and you feel the benefit of the extra pay.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • NoOneAround
    NoOneAround Posts: 1,842 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Darling @NoOneAround I've read through your whole diary and have subscribed.   You've done brilliantly.   Looking forward to following your journey love Humdinger xx 
    Wow - Thank you you so much @Humdinger1 - I do remember seeing your name from years ago I think! I've muddled through and we've all survived. Feels like a lifetime on here!
    NOA xx

    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,842 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Your garden sounds lovely. Gardens with wildlife give such a feeling of peace and perhaps continuity: that sunshine and those bees will have been there every year since there's been a garden, and will continue.

    Very well done on both the mortgage and the promotion. I hope the new job is satisfying and you feel the benefit of the extra pay.
    Thank you @Cherryfudge. You are absolutely right - I do find peace in my garden and the feeling of continuity too, There are trees that my Dad planted here the first year we moved here, apple cherry and pear, and a conifer hedge. So many happy memories in addition to the sad. 
    Hope you are well, there's little time at the moment to catch up on everyone's diaries...
    NOA xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,842 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    I just spent 45 min typing update and then accidentally closed screen instead of switching screen - without saving when DS appeared unexpectedly over my shoulder :(

    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Cherryfudge
    Cherryfudge Posts: 13,256 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh that's such a nuisance, and when I do it I find my repeat version is never as good.

    How are things?
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
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