Mortgage free by 2023 (!)

debtfreeoneday

Karmacat said:

That's a big thing, debtfree, how do you feel about it?  A list like that is a good idea if you're going to stay for a good long while, especially with time factored in.

It’s been an interesting time KC. The market is still crazy so we had to compromise at what we were looking at. Then it was location. The. It was outside space and there is nothing wrong with our house, we just wanted a change but I think it has made us realise and appreciate this one more. This isn’t forever and we will move but just going to sit tight and do the things here. It will only add value in the longer term. 

debtfreeoneday

Our mortgage company actually updated their valuations so they state we own 81% of the house. 19% to go. 

Another job for today is to investigate moving power supplier. I can’t decide if I should or shouldn’t but I do want away from this dreadful company that caused so much hassle for months. 

Karmacat

debtfreeoneday said:

Karmacat said:

That's a big thing, debtfree, how do you feel about it?  A list like that is a good idea if you're going to stay for a good long while, especially with time factored in.

It’s been an interesting time KC. The market is still crazy so we had to compromise at what we were looking at. Then it was location. The. It was outside space and there is nothing wrong with our house, we just wanted a change but I think it has made us realise and appreciate this one more. This isn’t forever and we will move but just going to sit tight and do the things here. It will only add value in the longer term. 

That sounds really sensible - choosing to move in a market like this, when you don't have to, could be problematic.  Not only in what you have to end up paying, but it sounds like the list of compromises was growing.  

CathT

Sorry to hear about the house news but it sounds like you feel it's the best decision for you all. I'm still waiting for estimated projections from current energy supplier, it would be nice to have some kind of idea of what we will be paying the next few months. 

debtfreeoneday

I did look at our energy supplier against a few others and I think we are better off staying. Frustrating but I don’t see The point of cutting our nose off to spite our face!

Productive day of pottering in the garden. I repotted some house plants and emptied our little wildlife pond. Need to go and get some pond plants to purify the water as it’s been neglected for a year or so now. 

debtfreeoneday

£10.26 in from prolific and £6 cashback from Shopmium. 

Used a fair amount of the Amazon vouchers to buy some tablemats and some decent chopping boards. 

Also bought myself a book which I don’t do very often anymore but really trying to decrease the use of plastic and chemicals so going to make our own cleaning materials. 

debtfreeoneday

The book annoyingly arrived damaged but on flicking through it, it isn’t quite as good as I expected so I’ll return it. 

Still chasing up £20 from ipsos for a panel group that I did. 

And even though it’s only the 9th of the month I feel we’ve reached that nothingness part of the month in terms of money shuffling. 

debtfreeoneday

Stalking one poll website today as I’m 9p from requesting payout. 

Returned the damaged book to Amazon. Did place another Amazon order though for some household bits. 

DH is researching wood to build new wood stores. Our current one needs replacing and moving so we are going to make two. One will need to look ok as it’s in the front Garden. The other we are going to use wood that we have around as it’s kinda hidden from view. 

debtfreeoneday

Payout reached and £25 requested though unlikely to hit bank this month. 

Prolific has been very active today and £13 waiting to be approved for payout. Half expecting a £5 survey to reject as it said it would take 40 mins and it took me 10 mins. 

Such a wet wet day today. Did a washing load but had to tumble dry.  

Braved looking at the electricity estimates for next year and they reckon a £677 rise. Have jigged the budget to save £200 a month for electric ( we don’t have gas ) but will need to save more than that to give us a buffer. 

Also signed up for the Wealthify tip on MSE email this week. £50 invested and worse case I get that bavk but figure I can lock away £50 for a year and see what happens. 

Karmacat

I didn't look at the email - will try to do that before the offer's filled up, thanks debtfree.