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newgirly

Apparently it’s lucky if it rains on your wedding day, we got married in August almost 27 years ago and it rained on and off all day, not sure if dh would agree it’s been lucky or not 😂 Hope the plans are going well, glad you have physio booked in now 😊

Jessy103

Thanks NG 😂 Whether it rains or not, we're getting married but I'd prefer the ceremony to be in the gardens. Then it can rain as much as it wants! 😂

Busy day at work today as one of my team called in sick but it did make the day go quick. Only 4 days until payday and it can't come soon enough. The cupboards are getting bare. 

Yesterday, I filled up the bird feeder and we had a spare dog bowl which I filled up with water for the birds, was lovely seeing them splashing in it and it must have felt nice for them in this heat. There's always one big fat pigeon that scares all the little birds off though, blooming thing! 

I had a tidy up of the cupboard under the sink and moved some bits from the storage cupboard in there to make way for the fridge freezer. There's still quite a bit to sort but there's no rush. 

I did quite a bit of washing over the weekend with it being so hot, we also had fans on and then because we didn't go out much our electronic devices being on has made the electric shoot up so I'm going to try and cut that down a bit in July. Instead of having the tv on or just mindlessly scrolling my phone, I should read one of the many books I have.

Jessy103

Back in the office today for the first time in about 6 weeks and it wasn't too bad. My ankle did a swell up a little and going up and down the stairs was a bit awkward, but I managed it and hit my 10,000 steps for the first time since spraining it. I then had my first physio session, which went well with some more exercises to do until I go back in 3 weeks.

Payday, my birthday and the reset of my mortgage allowance all came at once on Friday. I was able to get my credit card all paid off, put a bit in savings and make a couple of mortgage overpayments. The first one was for £128.64 which cleared June's interest and took me back to £42,200. Then after my usual amount came off, I made another op of £135.93 to round me down to £41,800. Very pleased as it means I've crossed the £42k box off my chart and I'm on my way to being under £40k by the end of the year! Natwest have also upped my op allowance from 10% to 20% meaning I now have an allowance of £8k! Not likely to be able to hit that amount but I do usually go over the allowance, so it means no more early repayment  charges. Woohoo!

I was able to cash out £20 from swagbucks, but still waiting on prolific to approve some funds, which seems to be taking forever 🙄

ladyholly

It's my birthday on Friday as well. It must be a really popular day as I have met several people over the years who also have the same birthday as me and you.

HotDog2020

Well done Jessy103 it sounds like you are really going for the mortgage free status. I hope you ankle has improved a lot and good luck making more O/Ps and saving for that wedding.

Jessy103

Thanks ladyholly, I do like having a summer birthday, breaks up the year nicely between birthday and Christmas 🙂

Thanks hotdog . The ankle is loads better and I'm starting to feel normal again x

It's been a busy week as I still have a team member off sick, so I'm doing two people's jobs and now this week a colleague is on holiday and although she prepares really well for me, I will be the one expected to sort anything out that goes wrong by our boss! I'm most definitely in need of a holiday! 

It's been a nice quiet weekend though, with nice dog walks and then streaming both days. I will receive a pay out from that this week, which will make a nice little overpayment to the mortgage. 

I will receive my refund from sky this week too, so that will go into savings. I've now got £100 in premium bonds and I set up a new nationwide savings account that has a 5.25% interest rate but you can only put £25-50 a month and you get entered into a prize draw to win £250. 

newgirly

Sorry I just realised it was your birthday Jessy, I hope you had a lovely day 🎉😊

ladyholly

Hope you had a good birthday.

Jessy103

Thanks NG and Ladyholly 🙂

Well, it has been a truly awful week at work. My team member didn't come back from sick leave until Wednesday and a colleague was on holiday, so I was doing three people's jobs for the first half and two for the rest of it and I was exhausted! I even looked for and applied for a few jobs but nothing heard yet and although I've had a bad week, I'm hoping it will start to improve now. It's not all bad anyway, I'm on the most money I have ever been, I have no travel expenses, I only work 35 hours a week now and my boss is fairly laid back, so I should stick with it really.

Me and BF have been talking about plans for our money once the wedding is done and obviously for me it is to keep ploughing on with paying off this mortgage. For him it's all about savings. We love going to a place not far from where BF is from in Suffolk and we've toyed with getting a holiday chalet there on one holiday park in particular where we have stayed previously. They range from £90k-£130k depending on whether you get a 2 or a 3 bed and how modernised it is, there is 11 months occupancy, which is fine as we'd be using it as our little getaway for weekends and holidays and the ground rent is very very reasonable at £400 per annum. Downsides are that we possibly might not be able to get a mortgage with it being a holiday chalet and we still wouldn't have our own private garden which I would really like, for me and the dogs.
The other option is to buy an actual house there. A 2-3 bed terrace will set you back £170k-£210k, which would mean quite a big mortgage to pay off (in comparison to our wages) but it would be ours to go to whenever we want, we would get a garden and parking and we could retire there, sell off our little bungalow that we're in now and use the money to live off. 

I'm leaning towards the second option but it would take longer to materialise and longer to pay off, meaning more work. Thoughts welcome! 

themadvix

Definitely be aware that a chalet is likely to loose money and be a bad investment. That’s not to say don’t go for it, but you need to go in knowing you may lose a lot of money when the time comes to sell.

I hope this week is better for you work wise!