Aiming for Mortgage Free!

savingholmes

Sounds like you are being much more sensible. People who boast like that often have a massive inferiority complex they are trying to mask

rugbymadfamily

Been a while but not much going on financially to be honest, it just feels like a slog when the mortgage is realistically going to take another 15 years to clear (will be paid off about 8 years early at that point). Just need to remind myself it's all ticking over nicely.

Dont think it's just the mortgage, work is a slog at the moment....I took the exciting glamorous role when I moved jobs about 8mo this ago, turns out, it's just long hours and really hard work. Dont get me wrong, I am well paid for it, but it's tough doing long days. Think the early dark evenings is driving me mad too, struggle at this time of year as brain thinks it's dark so just be late so finish work and its only 4.30pm lol.

Also, had to have an op a few weeks ago which has seriously restricted my use of one arm for the past few weeks. Hopefully it will all be healed up soon and ok further op needed.

Ok that was proper whiney. Sorry. Been sending positive vibes to others on their diaries so need some for mine. I am grateful for:
- my wonderful husband who has supported me during a tough last 2 months (think I've cried more in the last 2 months than the rest of the 10 years we've been together combined)
- the fact we are more financially secure than we have ever been (earning highest salaries, but with no lifestyle creep so savings are strong and mortgage overpayments being made)
- the 30mins gardening I was able to get out and do at lunchtime, made my day!

remote_control

I like your gratitude, I try and do that too when I'm feeling low but need to do it a bit more.

Our mortgage feels like a slog. We come to the end of a fix next year so I am just biding my time until that happens. We seem to be spending lots of money at the moment. I don't know if it's a post covid thing, clothes, a few days out or meet ups. None of it feels excessive but it all adds up! Kids are expensive too. It's all the activities and things they need for school and school trips so not really avoidable. 

That was a bit moany! I'll go and write some gratitude now as penance

mark55man

there is a lot of meh about at this time of year - especially with the lack of summer pleasures

I think everyone is feeling it, and the cost of living and general difficulties of life aren't helping

well done for trying to be cheerful and frugal and grateful - even 1 out 3 out bad at the moment

rugbymadfamily

Definitely the time of year as it gets colder and darker and not helped by the negative news around inflation/ cost of living etc. Personally, I find WFH makes it harder as it's so isolating, so definitely glad to be back in the office a few days a week, on the flip side I hate commuting into London again lol. But at least in have time to read my book now, as use my commute time for that :-)

savingholmes

It will start getting lighter again in about a month... Nearly there. 8 years off your mortgage term is brilliant

rugbymadfamily

I'm also on the countdown to winter solstice!

 Yeah currently 1 year off the term, but if we make the OPs I've got planned we should knock 8 years off. Those OPs are set relatively low as would rather set them low in future and be able to pay more, rather than the other way round!

Cornish_mum

Hi I am also feeling it’s all such a grind currently, I think the dark cold weather is definitely a factor, plus the last 18-months have depleted my reserves of good cheer.  Thanks for the idea of being thankful and hope you have a great week CM

rugbymadfamily

Hi @Cornish_mum agreed the reserves of good cheer are at their lowest levels. Need to find a way to build them back up. Husband also having a difficult time at work so it's a bit of a miserable house at the moment. I've had a think of a few fun and free / low cost things to do:
- Christmas lights (go see some an put some up...but not until Dec!!)
- a pint after work, think my husband misses the occasional pint after work as his new colleagues dont seem to do it. Or if they do, then they arent very welcoming to new people!
- cinema but take our own snacks
- walks, we were so good at this during lockdowns and doing regular walks but have got out of habit, partially due to my surgery. I still bring these back!

savingholmes

Hope you find something to cheer you both up soon. I am planning early Xmas lights