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Discount Duck’s Quest For Mortgage Freedom

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  • riotlady
    riotlady Posts: 442 Forumite
    Sixth Anniversary 100 Posts Name Dropper Photogenic
    That all sounds really tough, I don't think you're being pathetic at all! Sometimes we're just not in the right place to do a particular thing (or anything, tbh) and all you can do is cut yourself some slack. I've found this year really hard at times- parenting in a pandemic, working on a masters, etc. - and you're doing it all single handedly, with twice as many as children! I tip my hat to you because you've been doing an amazing job, and one weekend doesn't change that at all. 

    I hope you have a lovely time with the alpacas, that sounds amazing! 
  • Suffolk_lass
    Suffolk_lass Posts: 10,270 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How you felt at the weekend is just like our Son and us. I had a video call with him last night and we talked through how we are feeling. Not much consolation but I think lots of people are feeling it. No bright ideas from me but just to say it is normal and you are not alone. Just keep plodding. You will feel better.
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • South_coast
    South_coast Posts: 5,850 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    This weather isn't helping either. I don't think I'd have been able to get out to post a letter if I knew I was going to get soaked x
    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!!!
  • That is a lovely idea using your payouts to make your home warm and cosie.

    Congratulations on the brilliant feedback for your methodology.

    You are doing amazingly, looking after your children and your Mum, studying - just make sure you look after you.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • riotlady
    riotlady Posts: 442 Forumite
    Sixth Anniversary 100 Posts Name Dropper Photogenic
    Oooh can I ask where you got your rainbow rug from? Love anything rainbow! 

    Well done on your methodology! You’re doing brilliantly 
  • I'm sorry about BF DD, it's so hard when you are more committed and want more than the other person. Dogs are so much more loving than people. Big hugs x
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • I've spent the evening reading all through your diary DD. Although I'm sorry to read the latest update :( I used to date someone who only wanted to put half the effort in, and in all honesty I wish I'd ended things with him far sooner than I did instead of hanging on in the hope he might change.

    You are, absolutely, worth 100% of another person's effort. I've subscribed to your diary and will cheer on your MFW journey :)
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total mortgage overpayments 2017 - 2024 - £8945.62!
  • Baileys_Babe
    Baileys_Babe Posts: 6,261 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sorry to hear bf wasn't as committed to the relationship as you were @DiscountDuck
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
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