Baby steps to mortgage freedom for beanielou.

beanielou

ZTD wrote: »

The hardest thing in the world is to deliberately "not learn a lesson". However, what you are doing to avoid the same kind of hard knock to the system is to replace it with a long drawn-out agony. That's no good either. In fact it's probably less good for you.



It's explaining yourself...

This is true Z but I cant see how to deal with it any other way?
Thoughts?

redofromstart

Someone mentioned kittens and I appeared

Absolutely right to cut yourself some slack. Hate hairy shirts, unless they are made of kittens.

*subscribed*

beanielou

Welcome fellow kitten lover :wave:

in_need_of_direction

echoing what maddie may and the others have said. Although, given that I had to stop mortgage OPs earlier this year, i really do feel your pain. g

Pooky

I think the sensible thing to do is make yourself “future proof”. Stop OPing the mortgage for now and start popping those funds away. The mortgage is decreasing with each normal payment anyway and having some back up funds to protect you against any income stoppages or shortages will give you the peace of mind you need.

Maybe set a limit of 6 months mortgage payments worth of funds in the account and when you’ve saved that much you could make a small OP just to keep things ticking over. Then if the poop does hit the fan you know you’re ok whilst you sort it out.

Fortune_Smiles

I think Pooky's advice is excellent Beanie. That's what I'd do in your situation.

Hope you're on the mend.

Fortune x

ZTD

beanielou wrote: »

This is true Z but I cant see how to deal with it any other way?

You're going to have to travel the most difficult route of all - the middle ground. Stop grinding yourself down with overpayments and get yourself a buffer. Once you have a buffer, your stress will drop and you can OP once more.

beanielou wrote: »

Thoughts?

Thinking!? :eek:

Steady on..! :shocked:

Karmacat

Beanie, I'm with the concensus - stop overpaying for now, and create a buffer of savings. You *need* to be a bit/a lot kind to yourself. You worry a lot, so you also need some way of channelling that emotional energy - into something productive, or just away from you.

There's research somewhere that **visualising** exercise gets you an appreciable amount of physical benefit, something like 40% compared to when you're actually exercising? That would help with stopping worrying, too.

One thing that helps me is to write out lists, whether it's of what I want to achieve, long term goals, immediate tasks, renovations in the house, social plans, anything. It just helps when it isn't whirring about inside my head ...

HTH :kisses3:

ZTD

beanielou wrote: »

So people tell me not to worry but unfortunatly I do.

beanielou

Thank you all for your very valuable input.
Appreciated.