MF by 40! 18 July 2019 at 8:37PM in Mortgage-free wannabe 147 replies 8.2K views

Gem2889

Aren’t really people I can talk to about finances* I should say 🤦🏻‍♀️😂
dear me, one of those days!
so motivating to see you all on track with your goals- exactly what I needed to read!!

Gem2889

Welp, the brewing shielding meltdown hit me full force today, mortifying emotional conversations with colleague and GP later; I now have some extra support in place.
I feel exhausted more than anything else; not posted as sympathy bait, just an honest account of events. It sounds daft but I feel better now- if you need help, please try to ask.

beanielou

I am so glad that you can get the support that you need & that you were able to access the help you needed.
Take care 

Gem2889

beanielou said:

I am so glad that you can get the support that you need & that you were able to access the help you needed.
Take care 

Thank you, that is really kind 😊 I think it has been coming down the track for a while but exacerbated by current circumstances. I feel very fortunate to have supportive colleagues, family and GP, I know it’s not the case for everyone!
Hope everyone is keeping safe and well
x

Gem2889

Okay, made it to the weekend; I’m considering that a victory, found a couple of work mistakes I’ve made lately and I’m frustrated but trying not to spiral over it; my work is important but everything can be fixed and it’s not life and death!
We’re on the mid-month slow roll to payday from here on out folks, no more OPs and Fathers Day looks to be the only expense left to cover!
Hope you’re all safe 
x

Gem2889

Hope you’re all doing okay; not much to report in terms of MF but have noticed that as my mood deteriorated my tendency to overspend on junk food increased. Not particularly surprising but not ideal. 

So I’m trying to be more mindful when shopping (delivery due tomorrow!) and also pleased to have sorted last minute Father’s Day gift for tomorrow.
I am behind at work and my colleagues are super supportive but I feel terrible and it’s adding to negative thoughts; so I’m going to do some overtime today to catch up; short term pain for long term gain (I hope!)
Enjoy the weekend folks
x

Gem2889

So I didn’t do any work this weekend; I saw my dad today and it gave me a boost - planning to start early in the morning! Counting the days til payday when I can make another op 
x

ruby_eskimo

Just come across your diary and wanted to say congrats on the progress you've made so far.  Glad you've managed to get the help you need during these strange times.

Gem2889

ruby_eskimo said:

Just come across your diary and wanted to say congrats on the progress you've made so far.  Glad you've managed to get the help you need during these strange times.

Thank you so much for stopping by and for your kind words!
I’ve taken a couple of days annual leave to give myself a 4 day weekend and I feel better all the time - didn’t realise how burned out I am!
Right, enough rambling; the mortgage balance updated today with the normal payment and I’m in the £88,000’s for good 🥳🥳🥳
In terms of scope for OPs I’ve been reviewing finances and realised I’m in the very fortunate position that my major bills (mortgage, council tax, service charge, utilities, subscription etc) come to£900 p/m - in light of this I’ve revised my EF savings target to be 3 months expenses rather than 3 months wages - once I’ve done this, everything spare can go towards an OP.
EF currently stands at £1400, hoping to add at least another £200 this month.
Feeling focussed for the first time in a long time - hope you’re all staying safe and well. 

x

Gem2889

Welp.
Anxious brain didn’t cooperate with the plan above 🤷🏻‍♀️🤦🏻‍♀️

£700.32 OP made to leave balance of: £87,990
Next plan is to scrape together £90 😂😂