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

newgirly

Fantastic cake Hannah :T

Are you sure the comment was made in a negative way? Are you sure it was not meant as them confirming that you do provide everything that's needed (in a rather fabulous way if that cake is anything to go by ) either way, it's your family , your mortgage and what others think doesn't really matter apart from your dh and maybe the kids to some degree when they are a bit older.

Keep up the fabulous work

smallholdingsister

Great job on the cake.
When people are snippy about your journey they mean

"You are challenging my beliefs and it feels uncomfortable".

Xxx

lorriedriver1988

Hi Hannah.

I love the cakes. I think I will try and do some baking

I just wanted to say I can empathise with how you feel. My DB starts a graduate job in September with a financial institute, every time I see him he boasts about what his monthly wages will be. According to him, three times my and DH's joint monthly income.:eek: He also makes a point of boasting about the size of mortgage he and his GF could get.He knows that we are desperately trying to save/pay off the mortgage as much as we can, so we can potentially upsize. I don't know why he does it. I keep telling myself that at 22 he is still immature and will grow out of it. But whilst he make these comments it does make me feel inadequate

I think the best thing to do is hold your head high and carry on. At the end of the day, you are doing your very best with what you have. All that matters is that you and your family are happy. Who cares what anybody else thinks.

StrugglingYouth

You're doing super well! It will all be worth it when in a few years you will have no mortgage or a sizable deposit for a larger house and all the people who questioned you are still making minimum payments and are financed to their eyeballs.

You will be so stress free and able to do so many things when your children are old enough to actually remember them.

trulymadlyhannah

debtfreeoneday wrote: »

I used to blog about our financials amongst other things, why don't you do the percentages of loan left in you don't want to do specifics? My blog is long gone, but it did help as well as reading others on the same journey.

Ive taken your advice re: % and added that, it is something ive not really tracked before so its another mini goal which is fab! Ive been reading you diary in my spare moments today (But you keep mentioning survey websites, so i keep getting distracted and signing up for them :rotfl::rotfl:)
Some tiny earnings so far, cant wait to see what they bring, thank you :j:j

The children have been having school meals but considering swapping to packed lunches, and I think I might make some muffins tomorrow now!

newgirly wrote: »

Fantastic cake Hannah :T

Are you sure the comment was made in a negative way? Are you sure it was not meant as them confirming that you do provide everything that's needed (in a rather fabulous way if that cake is anything to go by ) either way, it's your family , your mortgage and what others think doesn't really matter apart from your dh and maybe the kids to some degree when they are a bit older.

Keep up the fabulous work

Im not sure to be honest, It could have been my perception, and like you say, either way it doesnt really matter what they think. Out of our family, I can safely say we have the lowest income and the most children, so if we do manage our goal, it will be through hard work and determination, and if they wanted to do the same thing, they could, I guess its all a matter of priorities!

Thank you

trulymadlyhannah

smallholdingsister wrote: »

Great job on the cake.
When people are snippy about your journey they mean

"You are challenging my beliefs and it feels uncomfortable".

Xxx

Thank you I keep trying to remember that, until recently though our mortgage journey was a bit of a secret, it being out in the open is such a relief, for better or for worse!

lorriedriver1988 wrote: »

Hi Hannah.

I love the cakes. I think I will try and do some baking

I just wanted to say I can empathise with how you feel. My DB starts a graduate job in September with a financial institute, every time I see him he boasts about what his monthly wages will be. According to him, three times my and DH's joint monthly income.:eek: He also makes a point of boasting about the size of mortgage he and his GF could get.He knows that we are desperately trying to save/pay off the mortgage as much as we can, so we can potentially upsize. I don't know why he does it. I keep telling myself that at 22 he is still immature and will grow out of it. But whilst he make these comments it does make me feel inadequate

I think the best thing to do is hold your head high and carry on. At the end of the day, you are doing your very best with what you have. All that matters is that you and your family are happy. Who cares what anybody else thinks.

Awww no, it must be hard to hear that when you are looking after every penny You are definitley not inadequate and are doing your very best for your family too. Most of DHs family earn more than us, and buy more/have more holidays, but I honesly dont think it brings them more happiness in the end, we are just as happy living simply, and will have set ourselves up for a better, more stable future :T

StrugglingYouth wrote: »

You're doing super well! It will all be worth it when in a few years you will have no mortgage or a sizable deposit for a larger house and all the people who questioned you are still making minimum payments and are financed to their eyeballs.

You will be so stress free and able to do so many things when your children are old enough to actually remember them.

Hi :hello: Thank you I really hope so, I am more determined than ever to succeed, I have subscribed to your debt free diary & looking forward to having a read soon, good luck!

trulymadlyhannah

I logged into an old current account and transfered the last £3.98 to the mortgage. Its only tiny but every penny counts. My postlady is going to love delivering my mortgage statement:rotfl:

Inspired by debtfreeoneday I have signed up to several survey websites, and planning to overpay as much as I can from any payouts. :T

I changed energy supplier a month ago, and have had to pay upfront to my new energy supplier, then recieved my final bill from my old supplier, so paid an extra £62 I wasnt expecting. Luckly, when my energy direct debit dropped last time, I thought it might be too good to be true, so I set up a standing order to save the difference to a seperate account, and there was £60 in that account. I was hoping to overpay but hey ho!

DH bought bread/milk and a few extras today from the shop as we needed them. Spent £9.09.
£71.10 in the account so left with £62.01 and 26 days to go... but plenty of food in!

I re-potted some chilli & sweet peppers yesterday and some cabbage and broccoli. The cabbage and broccoli arent looking very healthy today and suspect they are struggling with the coldness, hoping they pull through but if they dont there is plenty of time to sow from seed.

debtfreeoneday

Whilst you're on a roll with surveys - are you using a cashback site for any online spends / energy / bank accounts? Quidco and Top cashback seem to be the two most mentioned. I use TCB..

Well done on reading my diary, sure it's full of rubbish and crazy woman ramblings!

Pennywisepoundstupid gave me the heads up on a lot of the survey sites I use and did an awesome list in her diary not long ago, worth a look if you ever get 5 mins.

Have a great day!

mrsp1987

Cake looks awesome!!
Interest per day is a good one. I also found it incredibly eye opening to find out how much money I would save by finishing my mortgage early. So, I've shortened the length of out mortgage by 3 years and 9 months. Currently my monthly payment is £527 so 45 months x £527 = £23,715. That's just what I've saved from monthly payments. When you add on interest etc it could be more!!
You could buy a house in Stoke for that amount!

trulymadlyhannah

We had a lovely afternoon out at a local donkey sanctuary, which I think I enjoyed more than the children :rotfl:then we called at DH's work to surprise him (and use the tiny lift, which the children love) and give him a lift home (which saved him an whole 10 minute walk:rotfl:)

I batched cooked spag bol (enough sauce for additional 2 meals now in the freezer) and made our own cheesy garlic bread with some part baked baguettes we were given that needed using up, and it was delicious, but not really cost effective to make regularly!

DH tidied the garden and we had a small bonfire with the old wood that we had leftover from the staging last night. We all toasted marshmallows on the fire and our neighbor was out with his children so they joined us for a while, which was nice. After the children went to bed, me and DH sat in the garden watching the fire, and it made me realize for the hundredth time how lucky & grateful I am for what we have, after a few days of dreaming of bigger/better/more.

DH is going to do some more work on the chicken coop later today, but DD3 didn't sleep very well with teething, so he is having a bit of a lay in this morning. I am hoping to do some planting with the little ones at home as our allotment is still far too pondlike to plant or take all the children safely.

We were given an old trampoline for the allotment which DH will hopefully get chance to build today, which will give the children something else to do while we are all there. The net is broken, so I am going to try and sow it when I get chance.

Another £3 op sent to the mortgage today, but the bank is quiet as everything happens at the end of the month!

Surveys quiet so far. First 80p earned from Pbase:T:T, but i have been screened out of 8 so far.

Happy weekend everyone