Keep calm and carry on....

Jessy103

Great OP, SC!! 

Sounds like a good plan to get rid of the credit card next so it's all done and dusted!!

Busy_Mee

I love a plan and a replan. In fact I just love plotting and planning  It makes things interesting and keeps us focused. And they are your plans and you can change them as much as you like.....we will all just need to concentrate if they get as complicated as New Girlies

shangaijimmy

Great OP, well done.
I'm afraid I sit in 'multiple' targets camp. However my method is to allocate percentage weighting to things. For example for 4yrs it was firmly 100% of extra to mortgage to get it to a manageable amount. Years 4&5 became 50% extra to mortgage and 50% extra to investments (although i have abandoned this part way through year 5 and moved to 75%/25% in favour of investments). Yrs 6-10 will be 25% extra to mortgage and 75% investments. Thats the rough idea anyway!!

debtfreeoneday

I used to do multiple camps and suppose in a small way I still do but found it frustrating for me!  Now it’s fling everything at the mortgage. 

South_coast

Thanks all, you've really cheered me up ❤❤❤

sofarbehind

Hello Southcoast,
I've just spent ages binging on your diary  How have I missed it????? I have 'seen' your username around these parts (classic sign of a woman who spends too much time on MSE?) but somehow missed your diary. A great read and made me laugh in places. 

Really inspiring how you have managed to get the mortgage so low in such a short period of time. Wow. I know you are disappointed by things being slightly off track (stupid pandemic) but please step back and look at what you have achieved. Those £138 monthly payments are living the dream from where I am. Ha! What a great achievement. You should be very proud of that. I feel you on the uncertainty about what is the best option right now with over-payments, I am toying with suspending mine after the next one and making it in a lump sum later if I can. 

I enjoyed the discussion about pensions and have similar thoughts. I started my pension late (young sofarbehind was really stupid) and I know I will have to keep my earnings higher for longer to balance this out. Doh. But I think that knowing I don't HAVE to stay in the stressful job to keep the roof over my head  will be a big mental shift and I can still have the option of stepping down early in 15 years. I also have one thing at a time mentality - thanks for that observation because I need to address it. I KNOW that now I have an emergency fund and a bit left after mortgage repayments I should start investing ASAP. Probably with a SS ISA as I am intimidated by it. But I have this irrational laser focus on killing off the mortgage first - partly rational because of health issues.

Sorry I have really, really rambled on here about things that are out of date to the current topic.  I just wanted to say well done and thanks for spurring me on. 

kaycastle

Nice one on the overpayment
I have to ask without judgement but just curiosity, what on earth is everyone putting in their freezers??

South_coast

Hi sofarbehind, thank you so much for your kind words 😍❤ You can't imagine how much that's cheered me up - and here I was coming on here to grumble that by the time I've taken care of the mortgage and pension I'll be spending my entire working life either paying off or saving up and never getting to enjoy the flippin' money 😀! You're right, I have made big strides, but sometimes it's so hard to remember that when you're so focused on what's left to do. Need to remind myself more often that the bank still think there's 21 years to go and as long as I beat that then I have definitely won!!! Thanks again x

South_coast

kaycastle said:

Nice one on the overpayment
I have to ask without judgement but just curiosity, what on earth is everyone putting in their freezers??

Hi kaycastle, for your delectation (and because I have nothing better to do 😂), here are my current freezer contents 😀:
* Pizza
* Bread 
* Cheese
* Fish fingers
* Fruit
* Mackerel 
* Red onions
* Sweetcorn
* Broccoli
* Spinach
* Green beans
* Various portions of leftovers

The fruit and veg generally come in 1kg bags, so by the time you've got a few of those in there and a loaf of bread you're pretty well filling up a standard freezer. Part of it is also being a one-person household too, to make sure things don't go off before you get to eat it all (bits like the fruit, veg, bread and cheese, sometimes have milk in there if I'm not around for a few days as it's £1.10 for a 4-pinter but 50p-ish for 1 pint 😡); the same with the extra portions as most recipes will do 4 servings and not easily reduced down (and being a greedy pig, I need to make sure I do divide it up 😂!) 

Peaches113

I feel your pain on the freezer space! Everything comes in massive bags or if individual portions is usually far more expensive *single tax grumble grumble* I’ve been eating my way through a bag full of broccoli to make space for essentials, like ice cream 😝