Project Mortgage Neutral Begins

ajmoney

Meal planning for the week ahead is not the easiest due to fluid work commitments.  I have meals in the freezer to keep me going until Wednesday morning so I think I will still make a plan but leave the shop until Monday or Tuesday when I know more.

ajmoney

£17.24 left in my account not including the money for my CC, no planned spends with putting the shopping and car fuel back a couple of days so I will transfer it across tonight ready for the money shuffle in the morning.  I will get confused with balances if I leave it until tomorrow once all the set payments start going out.

My home insurance is due in Feb, I have managed to find a quote £17 cheaper than my renewal that comes with legal assistance as standard and a year's free home emergency cover so I will haggle with my company tomorrow to see what they can do.  I have been with them for years as my renewal quote has always been the cheapest by far.  Both quotes are well under the amount I have saved so it is a win anyway.

It is a beautiful day here, a little snow over night and brilliant blue skies so I will definitely be walking this morning rather than leaving it until I have finished my to-do list and risk the weather changing.

edinburgher

AJM - thanks for reminding me (insurance) - our life insurance doesn't run for the full length of our remortgage. One to remedy

savingholmes

Well done on the insurance. Blue skies and snow sounds divine

ajmoney

I have been downloading an app that I need for my course that starts on Tuesday, it has been quite stressful finding the right one but finally I think I might have it ready.  I think I still have some pre course work to do before I am ready but it will be done by tomorrow night or I won't be allowed to start.  Officially it was meant to be done last week, I thought I had done everything but looking at the course checklist I am confused by a couple of bits so I will go through it with a fine tooth comb tomorrow.  It is definitely stressing me out.

In happier news, I have transferred the leftover money from Januray over into my savings ready for my money shuffle tomorrow.

ajmoney

Panic over, I have found the sheets I need to complete and I have them on my laptop ready to complete tomorrow.

juliejim

Great results aj. Hope you continue to feel a bit brighter - you seem to have been the last couple of days.

ajmoney

juliejim said:

Great results aj. Hope you continue to feel a bit brighter - you seem to have been the last couple of days.

Not so much.  Hate is a strong word but I am really not a fan of Sundays.  I have typed so many posts over the last few days to try and get some of the anxiety out of my system and then deleted them.  I ended up crying all the way through last night's meditation session.  I have been reading about boundaries and setting them so today I am giving a bit of time to this.  I am definitely a people pleaser and while I think to not be is a little selfish (I even had a long discussion with ex about this yesterday) I do it to the detriment of me and time for myself.  It could be a long part of my journey of self discovery but I think it could be crucial and might be the only way to help me move through the stuck feeling I have right now.  I am still not really firing on all cylinders, I did try to start progressing through January but I am not ready for that and in all honesty still am not.  Depending on news from work today I am giving myself 3 more weeks which takes me up to my birthday, hopefully I might be able to give myself little things to do as I am definitely treading water with general day to day things.

Financials done for the start of February.  It is too early in the year to see much progress towards my annual targets but I do now own 51% of my house so I am happy to celebrate that achievement today.

I still have a bit of an ambitious to-do list to complete today but it is very dependent on today's work news, either way there will be a lot to do but I am not sure which way things are going to tip.  Whatever happens, the most important thing for me to do is spend some time outside, I have even put it on my list to make sure it happens!

ajmoney

I have done everything on my to-do list apart from reading through some notes I made through some pre-course reading for a course that starts tomorrow.  I will have a read through in a little while.  I still haven't really got a clue what is happening re work, I am sure it will be busy tomorrow morning while I am meant to be focusing on my virtual course that starts.  I am not setting myself anything else for the week, I have my course each morning and then prep work for the next module the following morning.  The course finishes Thursday lunchtime with just some post coursework to complete, my intention is to do it immediately as I know what I am like otherwise.  I am starting another course on Friday evening in something very personal to me as well as continuing with my GCSE so I definitely have a lot of plate spinning going on.  I will find a couple of things to do at the weekend to give me something to look forward to at the end of what looks to be a very long week.

I sorted out my home insurance this afternoon, it turns out my current company has a policy to not price match so I have cancelled my renewal with them and gone with one with a lower price who are giving a better package.  I also get the m££rkat meal and movie deal so maybe I will get a 50% off pizza at the weekend.  The savings from the money I put aside have been transferred to my ISA, or at least I planned to but now I have thought about it I am not sure I actually did it so going to do that now.

ajmoney

With yesterday's standard payment and OP my larger mortgage has now dropped below £63k, it is all about celebrating the small wins.  By the end of the year my total mortgage should be below £80k and under £75k by the time I remortgage in 2022.  While I am making an effort to live more in the moment OPing and clearing my mortgage is important to me, it is not that I think I will be happier etc when it is gone, I just know it will give me a lot more freedom when I come to leave my current job as I won't need to earn a certain salary.  I guess I am also fortunate to be in a job that pays me well so I am not missing the money I am OPing.  I am not a spendy person so I would only be saving the money where I wouldn't get much benefit with the current interest rates, OPing works better for me.

Today is the start of my busy week, I have to log into the virtual classroom at 8.45 and then who knows how my morning will go.  I have already done a 20 min workout and I am looking forward to getting outside for a walk when I finish sitting in front of a computer screen.