Our 'Mortgage Free By Forty' Dream - Truly Madly Hannah

gallygirl

Just read your diary from the start, what a lovely uplifting read (though I want cake now ).

Some things you might want to measure on your mortgage journey:
- Daily interest - when does it drop below the next £? How can you get there sooner?
- Monthly interest - how much is it, can you find enough extra money (not at the moment as things are tight, but only because you are overpaying already :T) to overpay this every month so all of your mortgage payment goes towards capital.
- Colouring in - draw a house/make an excel house and colour in one square every 1k knocked off the mortgage balance.
- Pay off date - what was it at the start, what is it now, how much is needed to knock another month off, where can you find that money from?

What a lovely diary and blog , am starting the day in a good mood (despite something wrong with the dishwasher or dishwasher socket so it's tripping the electricity - what if it's the dishwasher and I have to wash by hand till it's fixed :eek:).

trulymadlyhannah

cat04 wrote: »

I shall follow your diary with interest, especially as we both aim to be MW by 40! (Just under 4 years for me eek!!)

Its a brilliant goal! Good luck! I am 30 this year, but we are hoping to be MF by the time my husband is 40 (8 years) and if we are careful, I think we could pay off in 7 years... I might be here for a while, but im dedicated!

gallygirl wrote: »

Just read your diary from the start, what a lovely uplifting read (though I want cake now ).

Some things you might want to measure on your mortgage journey:
- Daily interest - when does it drop below the next £? How can you get there sooner?
- Monthly interest - how much is it, can you find enough extra money (not at the moment as things are tight, but only because you are overpaying already :T) to overpay this every month so all of your mortgage payment goes towards capital.
- Colouring in - draw a house/make an excel house and colour in one square every 1k knocked off the mortgage balance.
- Pay off date - what was it at the start, what is it now, how much is needed to knock another month off, where can you find that money from?

What a lovely diary and blog , am starting the day in a good mood (despite something wrong with the dishwasher or dishwasher socket so it's tripping the electricity - what if it's the dishwasher and I have to wash by hand till it's fixed :eek:).

Im glad you had a good start to your day, and hope your dishwasher is behaving now! Thank you, thank you thank you for the tips. I think I will do a 1k house drawing to colour. I think seeing how many years / months we have shaved off will help too! Good luck with your journey, you are so close!

Had a busy busy day today, this is the first time Ive sat down properly! A £57 overpayment made, though from cash we had in the house that I banked earlier, and I asked for some money bags to take some more loose change in next time.

Went for a small run last night and cut my previous time by 1 minuite, and ive been fairly healthy today too :T.

We went to soft play but didnt spend a penny, as i didnt have chance to buy a drink:eek: as I was mobbed by children sat all over me (mine like to be close, and I attract everyone elses too!)

My MIL just dropped of 7 loafs of bread and 8 bags of seed potatoes she spotted that had been heavily reduced :T

On Sunday we had roast chicken, and I made stock for the first time in ages. We had leftover chicken with pasta yesterday, and chicken sandwiches today. Hoping to use the stock tomorrow for something. I also made leek and potato soup from leftover potatoes from Sunday dinner and leeks from the allotment and it was gorgeous, there are hundreds more leeks at the allotment and although they are tiny they are still yummy.

I am looking forward to next week as DH is taking time off work to do some allotment work and relax, yay!

EatingTheElephant

Are leeks easy to grow? I love leeks but never thought of trying to grow them and I'm not sure why!

trulymadlyhannah

It's been a while since I posted, it's been really busy and at bedtime I've been so tired I've been going straight to sleep.

We have just spent around £170 on a new polytunnel and some weed membrane for the allotment which will have to come out of this month's expected overpayment, but will be worth it in the long run.

My Halifax reward and tesco debit accounts are set up to collect 2 extra rewards from next month.

DH has taken this week off work to work on the chicken coop but we had hail yesterday and it's predicting snow and rain for the rest of the week!! :eek:We took four car loads of wood down on the Weekend and tried to rovorvate but it was still too wet and I could hardly move the rotorvator. Instead we had a bonfire and I pruned the apple trees.

We are hoping to have a bit of a relaxing week if the weather is unkind.

trulymadlyhannah

Leeks are super easy to grow EatingTheElephant. We threw the whole packet into a largish pot and watered well, then transplanted the small leek plants into the ground by making an deep hole and dropping the tiny leek plant in. You fill the hole up with water and leave it to allow room for the leeks to grow. Ours were really small this year, but we did let it get a bit weedy and we didn't add fertiliser, so that the plan for this year, the small leeks were still tasty!

trulymadlyhannah

Leeks are super easy to grow EatingTheElephant. We threw the whole packet into a largish pot and watered well, then transplanted the small leek plants into the ground by making an deep hole and dropping the tiny leek plant in. You fill the hole up with water and leave it to allow room for the leeks to grow. Ours were really small this year, but we did let it get a bit weedy and we didn't add fertiliser, so that the plan for this year, the small leeks were still tasty!

EatingTheElephant

Thank you, I will be adding leeks to the things to try when I get chance to grow things again

mrsp1987

My hubby grows something called...can't remember now. *pops over to google* That's it yacon. It's kind of like s potato but isn't as starchy and it's also a bit like water chestnut in a way. It's really nice in stews and stuff cos it holds it's shape. Apparently it's really easy to grow

EatingTheElephant

I've never heard of that before! I like the sound of easy to grow though

mrsp1987

It's from South America but it is quite easy. You grow it underground Nd the tubers, well, grow. I'm not the most horticulturally/agriculturally minded (as I'm sure you've picked up on) but it's very tasty.