Keep calm and carry on....

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  • debtfreeoneday
    debtfreeoneday Forumite Posts: 4,761
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    I found having kids the push I needed with having a tipple now and again. The thought of having to parent with a hangover was the worst so I hardly ever drink, maybe a sip of champagne at a wedding. That’s it!

    Hello by the way. Great progress so far. Which south coast are you on?
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • South_coast
    South_coast Forumite Posts: 4,523
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    Hi DFOD, no kids here and to start now would be an extreme way of breaking the habit! I am south coast of sunny England (actually has been sunny today as well)
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • South_coast
    South_coast Forumite Posts: 4,523
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    £5.08 in from Prolific to the holding account. Bought lunch but will be expensing that so not counting it

    Revelation of the day: The exact same engine oil I have been paying £23 for from H@lfords is £16 in Mr T, only spotted it as I was walking past, so picked that up as I was all out
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • MrsLovely
    MrsLovely Forumite Posts: 104
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    Hi South coast, your £32k balance is very enviable! I'm about a year behind you. No real words of advice on the drinking front, is it work stresses that are making you have the odd glass or more? Maybe like you, I get to Friday, and just the relief of getting through the week, and excitement of the weekend off, 1 large glass turns to a bottle! Having said that I don't touch the stuff any other time off the week and I've not really fancied it since Christmas either.

    Anyway, in a year you'll be mortgage free!! not long!
    Dec 2010=£160k.
    Mortgage free date 9th Apr 22 😎
    E fund - £10,005/£20,000
  • South_coast
    South_coast Forumite Posts: 4,523
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    Hi MrsLovely, that's exactly it, I'm just a bit over-exuberant and the "that's enough" reflex gets drowned out (literally) and I get carried away. Difficult to know how to keep my head - even thinking how I could lose some weight and be MF sooner doesn't seem to do it.
    P.S. Your £70k in two years target makes me feel like I am slacking!

    £5 payout from Huyu as a Mr T voucher, so transferred the same amount from the grocery pot to the holding account. Then decided the petrol pot looks suspiciously healthy for this late in the month and topped up the holding account to make another £25 OP
    Sorry, that was a very long-winded way of saying "£25 OP made" :rotfl:

    Current balance £32,076.21
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • debtfreeoneday
    debtfreeoneday Forumite Posts: 4,761
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    I meant south west or south east of England. We do have a yellow shiny thing in the sky here today. We are south west coast!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • savingholmes
    savingholmes Forumite Posts: 25,914
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    Well done on the OP. It must be fab being so close to your goal
    Moving goals: Anticipated costs £8K (excluding new furniture or any post move renovations)
    1) Upfront house move costs Paid £1034/£2,609 (£448 for legal, £586 for mortgage, £76 post redirection, £1,500 removals)
    2) Balance of likely house move costs Paid £0/£5,372 (£1,772 legal, £3,600 land tax from equity)
    Longer term financial goals
    3) £6,539/£10,000 Emergency/Freedom/Home/Moving Fund 65.39%
    4) MFW Nov 21 £201,999 with 264 240 payments to go - now £185,701 Equity 37.6%
    5) Mortgage neutral by June 2030 £6,289/£127,466 AVC target 4.93%
    6) FI Age 60 annual income target £12,500/30,000 41.66%
    7) CC Debt free April 22 (now stay that way!!)
  • South_coast
    South_coast Forumite Posts: 4,523
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    Shattered. MF seems a very long way away right now....

    Day of extremes of emotion yesterday. In the morning heard about someone who'd spent a whole year saving up to carpet their house (bare floors for several years until then) and thought "I never want to be that skint, how can I make sure of that", then in the afternoon got savaged in a meeting and thought "I shouldn't have to put up with this, I don't care about the money"

    Lost track of spending but there are still balances in the pots and enough until payday, so no dramas

    Back with more later (probably)

    Current balance £32,051.21

    DFOD - I don't think I'm a million miles from you (to the east), based on what I've read in your diary. Don't want to give too much away though or could lose the ability to rant freely on here (and what a tragedy that would be for all!)
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • newgirly
    newgirly Forumite Posts: 8,748
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    Morning SC, I think that’s a battle lots of have. If it’s not a situation where you are really unhappy and just a bad day , I would use it to focus on the mf goal so you can look forward to telling them to beggar off one day in the future :rotfl: some plan holidays or fast cars, this could be your end goal :D
    2022 MFW 67 - 33 month challenge to clear mortgage, month 12 completed and on track 🙂MFI3 No.12
  • South_coast
    South_coast Forumite Posts: 4,523
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    Thanks NG, it's just such a mental drain most of the time. I already indulge myself with a nice car (I spend a lot of time in it!), so the main motivator at the moment is to have a job that I can just turn up to, keep my head down and go home at the end of the day and not think about it again until I need to go back in. Over 5 days this week I had two 5.00am alarms, 13 hours driving, 3.5 hours working in the evenings, 17 hours of meetings and an overnight stay :eek: so I guess I shouldn't be surprised that I miss some things ;) Just need to get better at making sure the things I am going to get called out on are the things I actually get done

    Anyway, perspective:
    I actually have a job - and it pays well
    I can comfortably pay my bills - pouring a huge % of my monthly income into the mortgage is a choice, not a necessity
    I have people that love me
    I am generally in very good health
    I have a roof over my head, in one of the richest countries in the world and was able to have an education
    I am lucky enough to live all year in somewhere that other people choose to come on their holidays
    My neighbours don't complain when I listen to loud music at the weekend :rotfl:
    I have a washing machine which is cleaning my clothes for me at this very minute (in my last year of uni our washing machine broke and I was too tight to go to the laundrette and did my washing by hand in the bath - leading to some very creaky underwired bras which had objected to being wrung out!) On reflection, probably not the best way of spending my time when I could have been studying :)

    Feel better now :D:D:D
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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