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Aim: Mortgage Free / Time For Me

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  • Today’s quote:

    “Sometimes life will kick you around, but sooner or later you realise you are not just a survivor.  You’re a warrior and you’re stronger than anything life throws your way”


    Mortgage / household savings:

    1. My monthly early retirement pension money came into our bank account today, so thats another £313.41 saved towards our kitchen mortgage 👏👏👏.  Some people would think i was daft to take my pension at 55, but this is the money that will help to pay our mortgages off each month as a lot of our disposable income goes to finance our dd2 at university.
    2. I am cooking spag bog and salad for tea tonight.  The spag bog is one i made in bulk which has loads of my homegrown veg in it to pad it out…..its defrosting as i write.  I love ‘easy’ dinner days.
    3. It’s been a lovely sunny day here and some of my washing was nearly dry when i brought it in from my washing line, so its airing now to finish off……this means i haven’t had to use the tumble dryer again, so that has saved a little bit of money.


    Wellbeing :

    • After a dreadful day yesterday with the chocolate, i have done better today ( thank goodness)…… i’ve got to keep going.
    • Had a lovely evening round my dd2’s house last night.  She cooked a really nice meal and then we all played ‘articulate’.  I seem to be having some lovely times lately….. were they always there and i just didn’t notice them due to my depression, or am i enjoying things more as I’m starting to feel a bit better in myself?….I’m really not sure.  But one thing i know, is i like it.
    • Maybe my counsellor was right…… going ‘no contact’ with toxic family members has finally giving me the chance to start to heal and find myself.  Dare i think that i have a happy future ahead of me?


    Anyway that’s it for today ❤️❤️❤️


    XXXX

  • I took my main pension at 55 too PM.  It was the right financial decision for us.

    Of course you have a happy future ahead of you because that is what you are choosing.

    Fortune x
  • I took my main pension at 55 too PM.  It was the right financial decision for us.

    Of course you have a happy future ahead of you because that is what you are choosing.

    Fortune x
    Thanks @Fortune_Smiles XXX 
  • beanielou
    beanielou Posts: 95,944 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your weekend.
    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.
  • beanielou said:
    Enjoy your weekend.
    You too @beanielou XXXX
  • try_harder
    try_harder Posts: 1,532 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    All sounding very positive 
  • postmenopause
    postmenopause Posts: 117 Forumite
    100 Posts Second Anniversary Name Dropper
    edited 15 January 2022 at 11:52AM
    All sounding very positive 
    Thanks @try_harder .  After a couple of ‘yes im going to do this’ weeks, im finding this week very hard.  I’ve woke up this morning feeling deflated, wanting to eat everything i shouldnt and just curl up on the settee, cry and forget the world ( I knew this would come).

    I’m not going to though, like i would have in the past!…..it’s cold and horrible but im going to force myself to go to allotment in a minute as i think it will do me good ( i’ve got to fix my gate post so i can do this in the frost).  I dont want to be the person i was before and ive got to keep telling myself that only i can change it
  • South_coast
    South_coast Posts: 5,935 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    You can do this! Some fresh air and hard labour is bound to help clear your head, so the allotment sounds like a great plan 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!!!
  • You're the author of your own life PM - and you're writing yourself a great script.  Well done for persevering.

    Fortune x

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