All the single ladies vs 145k

sofarbehind

Thanks for your lovely reply @Sandyshores...getting paid to train is the dream and what I am ideally aiming for. Let's see what happens, I'll keep mulling it over. 

You're right about the running, once a week is better than nothing and sometimes you just have to accept it's all you can do for a bit. It's too easy to start beating yourself up about it but it never helps...

caeler

I’ve managed to get a bit of running in over Christmas. @sofarbehind
It is more than I’ve managed in a while. I really enjoy it when I’m out there and I’m sure it helps my mental health but then some days I don’t fancy it. Then I beat myself up for not going out which I should stop doing as I then feel worse! 

sofarbehind

Hello diary,

I have been AWOL for a long time and am long overdue an update. In May I finally managed to get the mortgage down to under six figures!  I now owe just under 99k, I'm really pleased with this because I have managed to do it almost a year earlier than my original target date. I still have almost another year to go before I can remortgage and escape the ERC....I'm just going to wait because this charge is still 3k! Ouch. 

I'm really not sure what on earth my next plan is. I didn't get the Big Career Change Job I have been dreaming of but was very close this year and made it to the final stage. It was a very long, draining process that I will put myself through one more time. The current job is still getting me down but I have an interview next month somewhere else - not a career change but would be a welcome change of environment in the short term. Fingers crossed. I still have vague medical school dreams but this would be financially so tough, I'm not sure if I dare to go for it or if I am just having a midlife crisis. For now I have reduced my mortgage overpayments drastically to £200/month to allow me to save up a big cash lump sum. I will either be moving or having a lot of work done on the house next year so it's time to shift my focus for a while until I decide what to do. I am missing that huge repayment already but I want to save 10k over the next 12 months and I can't afford to do both. 

Running is ticking over but I have lacked enthusiasm in the heat..ha! 

HotDog2020

It is nice to hear from you again, don't forget us altogether! I have enjoyed reading your thread Good luck with job and good luck on whatever happens with house. Well done for overpayments you have made, you are doing really well. ALL the best. HotDog2020.

penny*pincher_2

Hi @sofarbehind

I have just binge read your diary. I am a single lady too - 39 yrs and next week will own my first home with what will be a eye watering mortgage which I plan to start paying down asap.

You have done so well with the OPs - well done! I know you will do just as well with the savings for the home improvements! All the best

South_coast

Well done on getting below £100k - and a £200/month OP is still blimmin' good 😀! Sounds like a good compromise between OP'ing and saving to me. 

Good luck with the interview 🍀

sofarbehind

Thanks very much for the lovely supportive comments @HotDog2020 and @penny*pincher_2, I am going to miss those huge overpayments but I need to save as well for now.

@South_coast congratulations of being mortgage free and not just a wannabe! I need to catch up on your diary. You have done amazing, must be a great feeling. Your focus and determination has been rewarded..  

South_coast

Thank you, you're making me blush 😳!

Sistergold

@sofarbehind wow well done! Under £100k wow! Well done you have really worked hard to bring it down so much! You are an inspiration! £200p/m is still a lot of OP for a single lady and it will go a long way! At this rate the mortgage will be paid off before you move! Xx