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Learning to walk before I run
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edinburgher said:17 years to go Beanie, I need some way to dread it lessI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.9 -
So sorry you're feeling like that Ed 😕
Do you ever read the Mr Money Mustache forum? There was a thread on there a while back about burnout. Lots of advice and tips and general warnings not to endure it for too long as it can just break you. Bug hugs.
It's here if you fancy a read (I have a vague feeling I may have linked to it before!)
https://forum.mrmoneymustache.com/welcome-to-the-forum/feeling-burned-out-anyone-else/
9 -
I don’t think anyone can endure burnout that long Ed. Interesting thread CheeryMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0008 -
powerspowers said:I don’t think anyone can endure burnout that long Ed. Interesting thread Cheery
if you can’t /choose not to move jobs then I would suggest you need to find a way to reframe and refocus.
journaling maybe for ideas (Google morning pages by Julia cameron)
maybe taking up something like yoga or meditation to be done each morning before work and also after to get stress levels down
Maybe work loads of OT but then have a full holiday involving R&R not dashing on planes
Can you change your way you go in? Cycle or get a motorbike - make it an adventure
or get a new skill and get a side hustle doing something for money you enjoy moreDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest7 -
Sorry it is so tough. Some good tips here.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!7 -
edinburgher said:YNAB backed up the spreadsheet figures by showing that our income v expense was only in the black by about £100 for January.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!!!10 -
The last couple of days have had a few wee financial wins.
- £6 from Y Live surveys
- A £3 survey from Prolific this morning on game theory (I think) that felt easy because of MB experience and expected value calculations over the years. Paid out instantly, so I could withdraw £5.76
- A couple of £ cashback from Chase and TCB
- I've managed to fit in c. 9 hours of overtime this week (well, that's what I'll be paid for after time-and-a-third multipliers etc. kick in). I know I'm complaining of burnout but we'd already planned something along the lines of what @LadyWithAPlan had suggested - full week in Arran booked for my birthday/Easter - inviting MIL and SIL along too. It's more effort but I can cope as there's something specific and enjoyable to look forward to at the end of it. That said, I'm getting perilously close to losing CB, I'm hoping I manage to fall just below the threshold for a tax charge for this financial year (fingers crossed)
Other than that? Mostly chilling out, off to see MIL for her birthday and there's a fair bit of tedious housework to addressHave a lovely weekend all.10 -
Think of the sheer joy of the ferry to Arran & visualisation of work things fading into the background as you approach Brodick.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.10 -
Morning Ed
Hope the rugger result provided a boost to spirits! Although I can imagine the thrill of the first half, gave way to a grey-hair inducing second half amongst supporters! Well done Scotland though, a win is a win is a win and points on the board.
Greying XPounds for Panes £7,005/£10,000 - start date Dec 2023
Grocery Spend July 2025 £191.42/£300
Non-food spend July 2025 £65.39/£50
Bulk Fund July 2025 £9.10/£109 -
When you were last talking of remortgaging and I chipped in saying IO was a good short term option, you said there were none on offer. I do look occasionally and Skippy people in Yorkshire offer them now. Toggling higher fees with lower interest rates. Might help to look. Here is their page of Fixed Rate mortgagesSave £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 here8
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