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And so it begins: The Pig Vs The Mortgage

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Comments

  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    pinkypig wrote: »



    Capital Reduction in Year 1 £25,510.02 of which £15,982 were MOP :j:j:j:j

    Felt less gutted after I'd worked through this :rotfl: Ever thankful to have discovered MSe and in particular MFW:A:A

    Feel much more secure, happy,fulfilled and in control than that uncertain, daunted piggy of a year ago:):) Its truly amazing what can be achieved if you really want something. The prospect of early retirement is beginning to feel real :)
    Well done :T. It's amazing how calm you become when you feel in control :j.



    Three cheers for MSE :T:T:T.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Wow pinky what a great review and amazing year you've had!
    Totally agree things can feel so much more relaxed and in control once you know where things stand and have a plan :)
    MF planning for the simple life :beer::j
  • Wizzi
    Wizzi Posts: 5 Forumite
    Hi Wizzi Thanks for popping in

    Inventories and organised freezers help enormously but emptying them is a horrid job so well done . Are your going to start a diary? Xx

    I am very new to MSE and we’re overpaying our mortgage already :money: but getting more inspired about how we could be doing bigger overpayments. I might get round to a diary at some point to keep me on the straight and narrow :D

    Well done on your August figures too :j
  • rtandon27
    rtandon27 Posts: 5,884 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    :T Well done PP! :T

    So happy for you, that you have come so far in a year!:D
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)
    Psst...I may have started a diary!
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    That's an impressive annual review - well done PP :T

    Yey Muddy, you're back:j. Thank you so much, your diary was one of my motivators:)
    Have a fabulous time in the Galapogos Islands, I've wanted to go ever since I was Attenborough's early adventures. Maybe when I retire (early :rotfl:)!!
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Awwwww thank you MFW buddies for taking the time to pop in and support. It's what makes this thread so helpful and keeps us motivated and focussed on moving forward to success one small step at a time. It's only when you look back that you fully appreciate that all those small steps add up to a frickin' great leap:):)

    Anyhoo, morning :wave:

    I was very late to bed last night due to a settling in shift with Dad so I missed the chance to post. He's coped amazingly well with the transition but it's all still very new so a friendly face and a bit of reassurance goes a long way so we have a rota so he's never alone until he's settled and relaxed. For the first time in two years I will start the new school year knowing he's safe and without worrying about juggling work and kids when he hit a crisis. So glad we found such a nice place for him now the time has come:)

    In money news I had a £2 cs spend on a hamper basket and a cup and plate that will form part of an afternoon tea hamper for a Christmas present, £6.50 on two lamps , a pressure cooker:j (couldn't believe my luck:)) a colander, a large Christmas pudding size mixing bowl and various useful utensils . All were needs and I avoided the clothes and books as they are not:o
    I did the grocery shop for £21.25 as this week's meals are using batch cooked stuff from the freezer as I'm back at work and picking up extra dad shifts as my big sis is on her holidays which she will be absolutely ready for!

    Other small steps to success and wellbeing included;

    Drank enough water

    Got all that laundry line dried and put away :)

    Fixed a droopy cupboard door in the kitchen - it took 2 minutes and has been bugging me for months:o

    Meal planned for next week, shopped from home and then did a smallish Aldi shop

    Had a long phone chats with my sister and a lovely friend :)

    Had a good chat (part 2) with dd about her adventures

    Did my monthly and first anniversary MFW totals :j

    Stressed about what I need to do for work next week but didn't actually do anything:o. I do however have a to do list now

    Had a Saturday night in with my dad who was relaxed and happy :):)

    Cheap, healthy eats (overnight oats for breakfast, lo veggie Korma from the freezer for lunch and batch cooked veggie tagine, hm flatbread and cous cous for dinner).

    Weighed myself and I'm back to pre holiday proportions :j

    Today I'm on dad duty later and want to watch ds's match but in among that I'd like to;

    Go for a run
    Get an easy heat up dinner together
    Get lunches ready for tomorrow
    Pack my school bags:eek:

    Happy Sunday to you:)

    PP xx
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • Pleased to hear your dad is settling well, how is your Mum managing?

    Can't believe term starts back tomorrow, where has the summer gone? Hope it goes well.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Pleased to hear your dad is settling well, how is your Mum managing?

    Can't believe term starts back tomorrow, where has the summer gone? Hope it goes well.

    Wish.

    Thank Wish - I can't believe it either:eek:

    Mum is a bit all over the place but we're getting there :)
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • pinkypig wrote: »
    Thank Wish - I can't believe it either:eek:

    Mum is a bit all over the place but we're getting there :)

    I bet she is, I'm sure she will start to build some routine into her life in a few weeks and I'm also sure you will all look after her well.

    Sleep well tonight (if that's possible)
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Evening :wave:

    Just a quickie from me before I head off to bed.

    Mfw and general wellbeing successes included;

    Drank enough water

    Went for a run

    Had coffee with mum and dd (at home :money:)

    Had a relaxed evening with Dad

    School bag packed

    Lunches ready and in the fridge

    Chicken Korma ready for tomorrow night, hm flat breads are in the freezer and I'll pop the rice cooker n when I get in.

    Cheap,healthy eats (overnight oats for breakfast,_hm pea and ham soup for lunch and pasta, pesto and olives with salad for dinner)

    Picked some blackberries

    Had a nsd:j


    Night night

    PP xx
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
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