£170000 in 10 years

try_harder

Thank you Kittenkirst ,i will try very hard not to get frustrated with myself and not get so cross with myself when things dont go to plan .Thank you the madvix , i will quietly look for something over the coming months ,im sure the right thing for me will turn up .I had a wonderful weekend ,thank you ,i was completely exhausted last night even though i hadnt done a thing all weekend ,no cooking either which was lovely but lots of activity and talking i was out like a light last night and still feel tired this morning .I hope you had a lovely weekend too .

themadvix

Amazing progress over the year TH! Well done! :T:T:T

try_harder

Thank you themadvix and thank you for all your help and support throughout the last year without your support and everyone else on here i would never have been able to accomplish such things .

Busy_Mee1

That is a brilliant result in a year - you have done amazingly well :T:T:T:T:T:T:T:T:T:T:T:

Well done and just think where you will be in 10 years time :T

try_harder

Thank you so much Busy Mee1 ,i did write a very long message for you on Saturday thanking you ,i am very grateful for your support ,i wonder if we will all still be chatting happily on here in 10 years time i do hope so .

try_harder

Another month almost over and i have met my make £10 a day target.I also kept to my £203 for the month food budget .I also met my monthly savings target.Now for the not so good news the months mortgage overpayments were very ,very low but im not going to worry about that too much at the minute i shall try harder next month.

Busy_Mee1

Try Harder, you are doing amazingly well. I honestly don't think you could make your income stretch any further ! You do so well with making £10 a day and keeping your grocery shopping low.
I hope you don't mind me asking but are your savings earning more than your 3.88% mortgage interest rate ? I just wondered why you were going down the mortgage neutral route as opposed to focusing on paying the mortgage off.
The other thing I was wondering was do you have a plan B ? What I mean by that is, if for some reason you can't reach your target and pay the mortgage off what will you do ? Would you be able to downsize ? ( that would be my plan B ). I keep going round a number of scenarios in my head - plan A pay the mortgage off, plan B downsize to pay the mortgage off, plan C pay the mortgage off and down size and take off on a world cruise !!!

I hope you have a nice weekend planned - enjoy

EatingTheElephant

Amazing progress over the last year, well done TH :T

try_harder

Morning Busy Mee1 ,hopefully you will have seen my long post number 198 that i wrote to you .I dont have any plan B as such but downsizing is definitely an option ,we could buy a lovely 2 bedroom flat for around £120000 or a not so nice 1 bedroom apartment for £60000 if pushed but our house is valued at around £250000 now so we have around £85000 of equity at the minute and £10000 of savings so we are getting there slowly

try_harder

Thank you EatingTheElephant ,that is very kind.