Freedom for the future

Mortgage_Minimiser

Thanks for popping by kaycastle. I've been reading your dairy too - how fabulous to see you attacking this so young! Wish I have been as sensible

Well today has been tiring....LO to stagecoach. I ran around for an hour like a mad thing packing up costumes, sewing a skirt, making a pack lunch, popped to shop for something for dinner as no food shopping done all weekend, then back to stagecoach to retrieve my little a=darling and over to full dress rehearsal for 5 1/2 hours... just landed back about 20 mins ago...

It also cost me £5 to park.!

Making dinner now - a very quick one of gammon and veg for DD, and I will eat later once she is in bed watching dancing on ice on plus 1....I don't think I ever get to watch anything in real time :rotfl:

Off to catch up on a few diaries whilst the veggies are cooking.

Hope everyone has had a fab Sunday!

MM
x

kaycastle

Thank you I feel like I've learned so much just in the first couple of days of the diary. What's stage coach, like an acting class?
Yummy gammon and boo to parking charges.

Mortgage_Minimiser

Hi Kaycastle.

Yes Stagecoach is acting, singing and dancing..... like she doesn't do that enough! It's run by professionals and she loves it.

I'm still reading your diary too BTW!

Feel a bit like this is gonna take forever ATM. I was quite fired up recently, but got bogged down again. Need to find my Mojo …. so if anyone comes across it can you send it back home please!

Have pulled together a little table to keep me on track for short term goals. Excuse the formatting. At least it's telling me that if I keep doing the minimum (£501 / month OP) I am almost there on both the Target for this year and for MFIT-T5. I hope I can do more.

Mortgage Debt
mortgage 1 185,027.75
mortgage 2 73,432.00
258,459.75


Target for year end 174,521.21 M1
Target for year end 71,231.55 M2
245,752.76 (12,706.99)


Current Projection 174,254.76
73,240.07
247,494.83 (1,742.07)

MFiT-T5 Target 140,000.00
Current Mortgage 185,027.75
Jan 2022 Projection (MFIT -T5) 142,839.80
Difference -2,839.80

Days to Mortgage Free 4740
Starting Daily Interest 17.29
Current Daily Interest 10.10

Good news, work have just told us we will be getting a payrise, AND they are increasing their pension contribution... so that's good!

I feel like I should start to invest, but that's why I went to the FA, so perhaps I should complete his paperwork and let him get on with it for me :rotfl:

Humf… better get back to writing this presentation for tomorrow....

Have a good day everyone

MM
x

kaycastle

Thanks for reading my diary.
Ahh don't get bogged down You're almost there on your target. Which is fantastic. Mojo makes me think of austin powers haha - perhaps what you need to do is put on your favourite playlist and do a little dance.

And that's well good news on payrise and pension contribution Nice one!

Mortgage_Minimiser

Thanks Kaycastle…...instead of a dance ive decided to have an early night. Have been sleeping really badly so that's probably added to my mood. Lets see if sleep changes it.

Have a big customer [resentation tomorrow..... still need to finalise the slides :eek:

Oh well...… im too exhausted to do it now

Night night all!

MM
x

Mortgage_Minimiser

Saturday morning....lots to do but still sitting in bed - winner! :j

Had an unexpectedly late-ish (for LO) evening last night at the local cricket club, so letting her lay in bed for a bit watching her tablet. She hasn't had it all week, so I don't feel bad. Not that she ever sleeps beyond 6/ 6:30 though...

I think I will start my C25K today whilst daddy takes her to dance. I managed to get shopping yesterday instead so feel a little proud of myself and therefore have a little extra time today - I am going to spend it on me! I need to start feeling better about myself and I think I've put so much weight on.

The house needs a complete tidy up and lots of building things to organise. It's feels such a huge job, I can't really face it, but face it I must! Break it down into small tasks I think, starting with school uniform.

MFW-wise not a lot to report. Nothing happening with bank accounts at the mo - and still haven't done the paperwork for the FA. Can't decide whether it's worth £850 for him to take over my financial planning....I just get so nervous about my pension. It's the only area I am not comfortable with.
Decision decisions.
I think will just stare at my spreadsheet instead in the hope the numbers get smaller...anyone else do that? :rotfl:

Oh well. have a good day all.

MM
x

Have a good day all.

kaycastle

I totally do that with my spreadsheets too.

For my projections in years to come, I also start thinking about how it will feel to have a mortgage below X, no mortgage, and then that amount of savings etc. etc.

Mortgage_Minimiser

Thank goodness i'm not going mad kaycastle…. :rotfl:

Rant alert - so annoyed with myself!

So I have realised im so disorganised its going to cos me a fortune.

I thought I was very clever booking centre parcs for the first weekend LO breaks up from school - and it was about £500 cheaper than it usually is.
Ive now just realised that we have the official Stagecoach show that weekend, a party we have already accepted and I have a 'free' facial. Doh! So annoyed with myself. Anyone got any advice about whether CP's are pretty flexible about changing things?

Its just with everything going on here I have fallen into some badly disorganised habits :mad:

Also I have just been trying to use the OP calculator on this site as Im not convinced the one I have is calculating OPS properly (probably wishful thinking). It keeps coming up with an error though... does anyone else have this problem. Its probably something very simple I am doing.

thanks all

MM
x

A_Frayed_Knot

Mortgage_Minimiser wrote: »

I need to start feeling better about myself and I think I've put so much weight on. . .

The house needs a complete tidy up . . .

MFW - Can't decide whether it's worth £850 for him to take over my financial planning....I just get so nervous about my pension. It's the only area I am not comfortable with.
Decision decisions.
:rotfl:

Exactly what I'm telling myself just now will get to it, once feeling better.

Quote about FA is all good and well if it's quite a bit of money we are talking about. for me it was a no go from the start.

I compared it to the MA when I was buying - waited a week to see him, then arrived at house, and 1st thing he done was reached for papers - saying to me "I've taken the liberty of preparing these papers - if you just want to sign here :eek:

Not so much of a mention of how much it was going to cost me a month and for how many years :eek: Once I started questioning him - I had already done my homework in the waiting week and found his figure to be around £60 more a month, and told him this, he said very quickly, its the insurance, and if you don't take insurance my fee will be 1%.

I applied for the mortgage myself and saved the 1% fee

Mortgage_Minimiser wrote: »

So I have realised im so disorganised its going to cos me a fortune.

Its just with everything going on here I have fallen into some badly disorganised habits :mad:

Also I have just been trying to use the OP calculator on this site as Im not convinced the one I have is calculating OPS properly (probably wishful thinking). It keeps coming up with an error though... does anyone else have this problem. Its probably something very simple I am doing.
/QUOTE]

Hope you get sorted with CP's

Again, sounds like me, although a lovely MFW'er gave me this link for an o/p calculator, which was just what I was looking for :T which may help. I loved it :smileyhea

http://www.whatsthecost.com/snowball.aspx

Mortgage_Minimiser

Thanks AFK! I shall have a look at that OP calculator now.....I need to see the benefit of doing all of this, it feels like a long hard slog atm and I can't see the end of it all.

I've read your dairy all the way through and I think you did an amazing job! Such a great story.

Cheeky MA! I wouldn't have thought any of them would even try and pull a stunt like that these days :mad: Well done you for getting the better of him.

Will pop back when I have had a play on your link and then compared it with my spreadsheet.


Our party today has been pushed back a week, as it was on a farm in the hills and weve had a fair amount of snow today, so that 'entertainment plan was scuppered'.... until we were invited for a birthday tea instead (the two girls are 'BFFs' as they say, so that's helped. Free entertainment still :T WIll be popping up there soon.

Hope everyone's had a lovely Sunday so far.

MM
xxx