Thirty something dreaming of not paying mortgage

kaycastle

Yeh there are so many positive signs at the office that more wfh will be the norm. Fingers crossed!!

Yes I feel really lucky and I'm glad lockdown has actually kicked me into deciding to spend more and get overpaying again instead of just having it sit there. Thank you, ooh a list sounds like a brilliant idea. I shall try to work on one this week and post or at the weekend. 
I've got 4200 saved as emergency fund which would last about 5 months which I think I'm happy with. I have a very sort after skill set which is why I've managed to get paid this amount quite young. I left my old job about 10 months ago and they just found a replacement last week. I know that wont last forever as the world changes which is what motivates me to pay off mortgage as early as I can. I've always thought If worse comes to worse we could rent our place out and move in with my parents temporarily as well.

Literally counting down the hours today until I can ring up to set up over payment.

kaycastle

I set up the monthly £1000 overpayments. First one in june this is so exciting.

Baileys_Babe

That is exciting. Remember to have fun and make memories along the way.

kaycastle

Thank you we're working on our little bucket list which has been fun. 
Right my to-do list this week is:

• Downgrade the 123 account as its definitely not going to make its money back now
• Repot my basil plant 
• Work out how I'm going to protect my young cucumber and tomato plants from the wind before I put them outside...our garden seems to have turned into a wind tunnel this year
• Work on bucket list
• Review savings accounts and organise them according to this structure: Emergency fund pot, Holiday fund pot. I think I'm going to let any extra build up in my current account as that does way more interest than any savings account I can see and it will only be a little bit leftover each month now.
• Make sure all my spreadsheet reflects the last few pages of planning  and tidy them up They became a mess while sorting this out
• Stare at the pictures in the Nerdy Farm Wife's book on homemade products. It just arrived and I can't wait to try things out from it - I've been reading her blog for ages so when I saw she was bringing a book out I had to get it. Really good value. Over 300 pages and it just looks brilliant. I love making soaps and things. Even though I'm not very good at it, this is one of the hobbys I plan to get a lot better at in life

Mortgagefreegonnabe

That sounds really good fun! I'm envious of people who are creative but it has just never been me. What's on your bucket list? 

South_coast

I went a bit cross-eyed and foolishly thought that was the bucket list for a minute - until I got to "Work on bucket list" 😂!

kaycastle

South_coast said:

I went a bit cross-eyed and foolishly thought that was the bucket list for a minute - until I got to "Work on bucket list" 😂!

Hahaha you must have thought you found the most boring person ever for a moment!!!
So far on bucket list I have:
- Trip to Hawaii
- Trip to New Zealand
But I will hold off on sharing much more as I think it will grow a lot this weekend. 

EDIT:
@South_coast
At least it would have been a super cheap bucket list and I could have spent even more on OPs!!

South_coast

Well I did think you were setting the bar a bit low....😂!

kaycastle

hehehe
My to-do list is coming along, not bad as been working too. I also have finished requesting refunds for cancelled holidays/flights. I've made good progress with the outstanding ones as well, just want a bit more time tidying up my spreadsheet and completing my plans. 

• Downgrade the 123 account as its definitely not going to make its money back now
• Repot my basil plant 
• Work out how I'm going to protect my young cucumber and tomato plants from the wind before I put them outside...our garden seems to have turned into a wind tunnel this year  - I'm going to put them in a slightly covered greenhouse-like area round the side.... going to work on this at the weekend
• Work on bucket list
• Review savings accounts and organise them according to this structure: Emergency fund pot, Holiday fund pot and extras
• Make sure all my spreadsheet reflects the last few pages of planning  and tidy them up  
• Read Nerdy Farm wife's soap making book/making plans for making things. 

Baileys_Babe

kaycastle said:

hehehe
My to-do list is coming along, not bad as been working too. I also have finished requesting refunds for cancelled holidays/flights. I've made good progress with the outstanding ones as well, just want a bit more time tidying up my spreadsheet and completing my plans. 

• Downgrade the 123 account as its definitely not going to make its money back now
• Repot my basil plant 
• Work out how I'm going to protect my young cucumber and tomato plants from the wind before I put them outside...our garden seems to have turned into a wind tunnel this year  - I'm going to put them in a slightly covered greenhouse-like area round the side.... going to work on this at the weekend
• Work on bucket list
• Review savings accounts and organise them according to this structure: Emergency fund pot, Holiday fund pot and extras
• Make sure all my spreadsheet reflects the last few pages of planning  and tidy them up  
• Read Nerdy Farm wife's soap making book/making plans for making things. 

Glad to see you are making progress on your bucket list