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Meandering to mortgage free

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Comments

  • edinburgher
    edinburgher Posts: 14,115 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Well done on your win, £50 is probably as much as many people manage to make from their blogs in a lifetime :D

    Hope you're recovered from your niece's visit, the first time we looked after my infant niece it took us a day to recover!
  • Well done on your win, £50 is probably as much as many people manage to make from their blogs in a lifetime :D

    Hope you're recovered from your niece's visit, the first time we looked after my infant niece it took us a day to recover!

    lol. Thanks, I know what you mean. At current projections, I should reach the Google minimum payment of £60 in about 10 years for their ads on my blog!

    We often have our nephew or niece here, it just aggravates my ME symptoms. I'm quite good with pacing, etc and have had some general sessions with an occupational therapist. Next week I start some specialist OT session, so will hopefully get some more techniques!
    Old Mortgage: [STRIKE]2009:£78500 2010:£76951.71 2011:£74414.49 2012:£71961.35 2013:£67813.54 2014:£64375.16 Current: £55,480.27[/STRIKE]

    New Mortgage: 2016: £92795 Current: £
    87999.99
  • gallygirl wrote: »
    Well done on the voucher Timmy :T. Did you know you can link to your blog on your profile?

    Thanks gallygirl! I may link to it in future, but at the moment I think I want to keep MSE and my blog (which links to me) separate - hopefully that doesn't sound too odd!
    Old Mortgage: [STRIKE]2009:£78500 2010:£76951.71 2011:£74414.49 2012:£71961.35 2013:£67813.54 2014:£64375.16 Current: £55,480.27[/STRIKE]

    New Mortgage: 2016: £92795 Current: £
    87999.99
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    TimmySaver wrote: »
    I may link to it in future, but at the moment I think I want to keep MSE and my blog (which links to me) separate - hopefully that doesn't sound too odd!
    Would possibly be even odder if you didn't want to stop people on here stalking you in real life :rotfl:.
    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"
  • gallygirl wrote: »
    Would possibly be even odder if you didn't want to stop people on here stalking you in real life :rotfl:.

    Oh I don't know, a stalker might be quite nice!! :eek:
    I like your avatar, by the way!
    Old Mortgage: [STRIKE]2009:£78500 2010:£76951.71 2011:£74414.49 2012:£71961.35 2013:£67813.54 2014:£64375.16 Current: £55,480.27[/STRIKE]

    New Mortgage: 2016: £92795 Current: £
    87999.99
  • Hello,

    Very pleased to read your account of your life, hope the ME settles down and how exciting re the baba in April. Are you intending to do the childcare and your wife return to work?, or have you no idea what is going to happen? And how do you cope in terms of you managing jobs around the house, are you well enough to cope with these tasks are is it too much? One of my colleagues his wife has ME/CFS and she gets back to work for a while then is off exhausted/ill again, he has said something about vitamin D deficiency being profound in CFS sufferers, does this ring any bells? I don't think people realise the value of good health, so easy to take for granted. And sometimes we work like dogs, go to work when we are ill and it just erodes ones core health. Do you do any relaxation or meditation techniques?

    Very best of luck.

    I have been overpaying on and off over the last 15 years with varying success. Things change and then you go with it.

    At one point I was overpaying a £40,000 mortgage on a property whos value had dropped to £22000 - eventually the mortgage company offered us a repayment rather than endowment mortgage and the overpay disappeared as the monthly payments went up, but cos Id been overpaying I didn't feel it, obviously had neg equity to sort out too but thats life... Then I had a target to be mortgage free by 50 on the property I now live in and then my husband left me and I have a hoofing great mortgage till I'm 65.5 years old so new new target to aim for mortgage free 60 years old, but life changes and therefore no point in sweating the small stuff...

    I shall keep an eye on you my friend and wish you all the success in the world.

    Ms PP2
    Debt Sept 2012 £140,000 end age 65.5 (maximum) four mortgages in total
    April 2016 £114,599.83 (3 mortgages now)
    Nil debt for some many years now perhaps 8. Need to save for a tent for holiday this year but nil else.
    Over paying about £500 per month but fancy £600 so will have to think of some very money saving techniques...
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    TimmySaver wrote: »
    I like your avatar, by the way!
    Thanks - was feeling at one with the Universe when I picked it :). If the Universe doesn't get a move on delivering what I'm after I'll be changing it to picgifs-angry-sad-upset-3585566.gif
    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"
  • Hello,

    Very pleased to read your account of your life, hope the ME settles down and how exciting re the baba in April. Are you intending to do the childcare and your wife return to work?, or have you no idea what is going to happen? And how do you cope in terms of you managing jobs around the house, are you well enough to cope with these tasks are is it too much? One of my colleagues his wife has ME/CFS and she gets back to work for a while then is off exhausted/ill again, he has said something about vitamin D deficiency being profound in CFS sufferers, does this ring any bells? I don't think people realise the value of good health, so easy to take for granted. And sometimes we work like dogs, go to work when we are ill and it just erodes ones core health. Do you do any relaxation or meditation techniques?

    Very best of luck.

    I have been overpaying on and off over the last 15 years with varying success. Things change and then you go with it.

    At one point I was overpaying a £40,000 mortgage on a property whos value had dropped to £22000 - eventually the mortgage company offered us a repayment rather than endowment mortgage and the overpay disappeared as the monthly payments went up, but cos Id been overpaying I didn't feel it, obviously had neg equity to sort out too but thats life... Then I had a target to be mortgage free by 50 on the property I now live in and then my husband left me and I have a hoofing great mortgage till I'm 65.5 years old so new new target to aim for mortgage free 60 years old, but life changes and therefore no point in sweating the small stuff...

    I shall keep an eye on you my friend and wish you all the success in the world.

    Ms PP2

    Hi Ms PP2,

    Thanks for stopping by :)
    We're hoping that DW will be able to take the full year off after the baby is born and during that time we'll be able to assess any changes to the symptoms and the severity of the symptoms.
    I can do some things, but I have to be very careful and make sure I using the pacing techniques to make sure I keep my days even, otherwise it can very quickly get back to boom and bust which really knocks me back. I think over time I've been able to manage expectations and get used to the pain, tiredness and near constant feeling of having the flu.
    I've not heard of the vitamin D thing being common in people with ME and it wasn't a diagnostic used to diagnose me. However, blood tests did reveal I was vitamin D deficient, which wasn't surprising as most days it takes most of the energy to spend time downstairs, never mind go outside where I have to contend with the noise, fluctuating temperatures, etc.
    I totally agree with you about people taking health for granted. I know I did. I just used to expect that my body would do whatever I wanted it to do and was really active before the ME started. I do some meditation, and found it was really helpful for getting used to and accepting the pain.

    I'm sorry to hear about your husband leaving. I can imagine that was a very painful time. It's great that you're still partaking in the MFW challenge and I wish you all the best with it. Do you have a diary? I'll go and have a look!

    Thanks for your reply :)
    Old Mortgage: [STRIKE]2009:£78500 2010:£76951.71 2011:£74414.49 2012:£71961.35 2013:£67813.54 2014:£64375.16 Current: £55,480.27[/STRIKE]

    New Mortgage: 2016: £92795 Current: £
    87999.99
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi TimmySaver

    I've just caught up with all your thread, you're doing great :j

    Congratulations, on baby saver too, what lovely news

    Regards
    ATT
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • Hi TimmySaver

    I've just caught up with all your thread, you're doing great :j

    Congratulations, on baby saver too, what lovely news

    Regards
    ATT
    Thanks ATT! baby saver - what a great name will have to tell DW. :)
    Old Mortgage: [STRIKE]2009:£78500 2010:£76951.71 2011:£74414.49 2012:£71961.35 2013:£67813.54 2014:£64375.16 Current: £55,480.27[/STRIKE]

    New Mortgage: 2016: £92795 Current: £
    87999.99
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