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Mortgage free by 2023 (!)

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Comments

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    :j Y0ugov payout reached :j £50 requested and on the way to me!

    Things not much improved with life. It's back to DS and School.. and in a nutshell, I'm not sure how secure how my jobs are either.. so all of this mixed together.. options are:

    1 - stick at my jobs and wait to see what happens an potentially have a small redundancy payment in due course (worries with this are then getting another job that suits school drop off and pick up - where we live, there isn't before / after school clubs or childminders that could do this. So i worry about being out of work

    2 - look around now and apply for anything, will probably be much less money

    3 - we have submitted school transfer apps for both, to a great school who are full, but amazingly have no one on the wait list for the year we want ( that said, we still need DS to have his appointment and I don't know if a change in School is the best for either of them - but I can't do another 6 years of this)

    4 - home educate them, money reduced hugely, mortgage OP's would stop and we would have to be uber careful with everything. but I've got a few ideas how to make a little bit of cash.. to be honest their happiness is more important than anything.. and the thought of home ed does not worry me very much.

    I'm knackered, emotionally wrung out and don't know where to turn next..

    Been up since 3.30 with DS who is wide awake... today might be a long day.
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    £5 sent for the weekly mortgage OP, up to £1800.52 for the year, so pleased with that, will be over £2000 next week.

    Glad it's Friday, it's been one of those weeks..

    £12.20 requested from p-base as a payout.
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    With you on that one, long week here too. Not helped by a shocking hay fever week!
    MFW: Was: £136,000.......Now: £47,736.58......
  • User1489
    User1489 Posts: 400 Forumite
    Fourth Anniversary 100 Posts
    DFOD, it is half way through the year and you are hitting half your target of the £4k to pay off in 2016 - well done!!!
    Baby Step 1 - £1k Emergency Fund - COMPLETE
    Baby Step 2 - Pay off all debts except the Mortgage - £9,326 to go
    Baby Step 3 - Save 6 months of expenses into full Emergency Fund - £4,300 to go

    Baby Step 4 - Put 15% into Pension
    Baby Step 6 - Pay off the Mortgage early
    Baby Step 7 - Live like no-one else :D
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Thank you Rasputin, I hadn't actually clocked that at all!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Saturday survey round up:

    p-base £0 (£12.20 payout in progress!)
    Ipsos - 1138
    y0ugov - 50p
    Pr0folic - £3.70
    1poll - £11.20
    M1ntvine - 348
    p1necone - £4
    cr0wd0logy - £4.96
    m1ndm0ver £12.40

    Will be binning M1ntv1ne and cr0wdology when they reach payout, too long and they frustrate me.

    Waiting for £62.20 to hit the bank account from surveys - looking forward to getting most of that paid off CC5 if I ever manage to get that under £999 - August really is looking challenging to clear that.
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Today is all about trying to find out where I've booked DH's fathers day pressie. have booked a painting day for him, can I remember where? Can I find any confirmation email - no..

    Washing on.. been working since 6am and now back in bed messing about on here! Very lazy day ahead as we are taking littlies to the flicks tomorrow for the first time - nice fathers day treat for them, DH and me!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • amycool
    amycool Posts: 866 Forumite
    Eighth Anniversary Combo Breaker
    :D that sounds like something I would do at the moment! Hope you find the details soon! I just need to remember to get OH's father's day card out for DD to write. First one! :)
    Mortgage (Start Sep 2014)- £70,295/£0 - 100%
    Overpayments - £48829.37 :j:j:j
    Mortgage paid off Jan 2020
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Awww - how nice for your OH..

    Well we've replaced our bathroom taps with the £5 bargain bookface ones and they look sooo good, considering one was corroded beyond use, only taken us two years to replace them.

    Thinking I might sort our pennies for this month as desperate to see how much I can pay off CC5 plus we both have pay increases and backdated pay coming through this month.

    Also need to get Mr T order finalised.

    Thanks to hidden, I've downloaded the shopitise app and am going to get DH to trial it when he's off to the co-op to get a £5 meal deal!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Hope shopitise goes well! DH is really into it, though sometimes I wonder if it doesn't encourage him to spend more... at least he usually only splurges on treats/juices, nothing major. It is nice to get cashback regularly for basics like milk/eggs/cheese.
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