📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

All the single ladies vs 145k

Options
17810121319

Comments

  • Hello everyone,

    It's been a couple of weeks since I've updated here, I'm very excited to report that I've made my first mortgage overpayment at last! Yay! My regular £347 OPs have started. It's a lovely feeling. Work has been really busy so my batch cooking freezer meals have been a godsend. I haven't had to cook on a school night for two weeks. Result. I still have 10 meals left but will get the slow cooker out again.

    I have surprised myself by sticking to running x3 / week, hopefully in another few month I will be getting back to where I was fitness wise.

    I've also felt a bit better about the area as a lovely new coffee shop opened last weeks, I missed having somewhere like that.
    Mortgage overpayments 2018: £4602, 2019: £7870
    Mortgage overpayments 2020: £4620
    Mortgage 2017 £145K, June 2020 £112.6k:o
  • Hi sofarbehind, good to hear from you! All positive news - well done on keeping up the running. And batch cooking for the freezer really is the business, isn't it? So good to have a healthy, home-cooked meal to come home to after a long day at work, and all you have to do is heat it up.
    Glad your area is starting to look up for you too. And yay for your OPs! I have started making them this year too and it's such a great feeling of doing something positive.
  • Hi sofarbehind,

    I've just found your diary and very inspiring it is too! I dont have a diary on here yet but aim to start one before the end of the year.

    Can I just add; I sympathise with your current situation and how hard it must be moving to a new area after something like that, so would like to say, that having read your posts so far, you seem to be a very brave and inspiring lady so hold your head high and be proud.
    My motto in life is that "everything happens for a reason" but in my experience have found that sometimes the reason takes a while to show it's face! Keep plodding on and stay positive - it's great to read (even to us blokes!)

    BW

    Rocket
    MFW - diary has finally arrived!
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Some great achievements there:). Good luck with you're February goals xx
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the OP.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Hello diary,

    I have been very quiet for a couple of months.....let me update you all. My second overpayment has been made, number three is only a week away. In another month I will have been in this house for a year...the time is passing and the mortgage statement will be arriving soon. I have saved a bit more but need some expensive work on my guttering done next month so I think April is out for growing the emergency fund.

    I have stuck with the running and met a lovely little group of girls who I go out with a few times each week. I'm very slow but feel so much fitter and the days of struggling with 5k are gone. I'm really proud of myself for sticking with it. I've even signed up for a 10k in a few month to give me a new target. It's hard but worth it.

    The slow cooker is still a regular and has been fantastic over these freezing long days. I need to experiment more, I'm sticking to casseroles at the moment.

    I've been thinking about signing up for a distance learning masters and am looking for funding and pondering future career moves...I feel more confident that perhaps in time I can make things happen.

    I feel the same about this area, it's very isolated and quiet. Probably doesn't help that my new running buddies all live in my preferred area...I have been thinking about moving a lot. Perhaps the outskirts of my dream location are a good compromise. I'm starting to think I should just get on with it, take a risk and make things happen in housing and careers. I'm such an overthinking worrier and that has stopped me really going for what I want.

    Really over the last three months I have slowly started to feel so much better about everything. Thanks for your support MFWs. xx
    Mortgage overpayments 2018: £4602, 2019: £7870
    Mortgage overpayments 2020: £4620
    Mortgage 2017 £145K, June 2020 £112.6k:o
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    wishing you all the best.
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • juliejim
    juliejim Posts: 7,944 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Pleased to hear you're feeling a bit better about things.

    Jue
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
  • sitesafe
    sitesafe Posts: 543 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Good to see you back sofarbehind.

    I'm a single woman too - didn't buy my first place until I was 40 and with overpaying I could have it paid off in 3 years when I'm 56, only I'm thinking about moving so might get another mortgage.

    Like you I've just had to look at new guttering - also had soffits and fascia - it was about £1.2 k with a few odd jobs thrown in. Bit silly some might say if I'm thinking if moving.

    I fully understand the isolation in a new place bit. I worked in the Cotswolds for a year last year - proper rural. However a year down the line when I was moving to a new job in the southeast I realised I had actually started to like it and had made a small social life for myself. I really think giving it time helps but I do get that sometimes you just feel a place isn't for you. In the Cotswolds i joined the Meetup.com site and found a dog walking group and a socialising group on there, as well as a monthly supper club. Now I'm in the southeast I've done the same. It's really helped as I'm quite unhappy in my job and need something to look forward to.

    I'm not a runner but I do walk with my dog at the weekends. Well done on persevering with the running and overpaying the mortgage. :T
  • Another single MFW here \ :) /

    Great going on the running, and good luck with your 10k.
    Mortgage £75,300 (December 2016) Mortgage Free Date December 2051

    Mortgage Free Date 2nd August 2024
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.