Pay off mortgage and start having even more fun 😁

South_coast

Absolutely, it looks to have been a very savvy investment (much better than £50 a pop for eyelashes 😳) 👍👍👍!

newgirly

Indeed South coast 😁

Hey Gallygirl, long time no see 😬 Hope you are doing well ❤️ hopefully it will all work out better in the end, my main aim is to get dh working less! 

I’m very achey today, tried a new sit up thing in the gym, managed one and had to virtually roll off the thing to get up much to best friends amusement 😆 now I can even pull myself up to sit up in bed clearly that area could do with a bit more exercise 😂 
Popped to hospital yesterday for a blood check first thing - all good, then off to the factory to visit the lads there briefly before gym, then a quick pop to town, then the gp to collect a blood test form,  then home to get a sainsbugs delivery. I then cleaned the whole house , did a bit of washing, made a spag Bol and dyed my hair /eyebrows and lashes. By the time I got to bed I’d done 15k steps, hopefully it helps balance out some of the lazy days 😁

Today dh is working all day along with ds2 and dil , I’m going to meet friends for a coffee in town first thing then maybe pop to mums as they have been in York this week. This afternoon I’m planning some sofa time and good look at the longer term finances again. Dh chased the second commercial letting agent yesterday and they said they are really busy and don’t  know when they can come and value it, so he said he will be signing with the first agent Friday as they were preparing the paperwork, suddenly they had a window to pop down this Tuesday 😆 Either way it’s obviously still a bit unknown what our income will be, but I might do a look at a proper longer term budget. On this mf (very long) journey we have often , especially in the last three years just winged it and not had savings pots for everything we should have, like vets bills, repairs, new car etc. so I might do a bit more research on that. 

Off to hang out some washing now in the hope it will actually dry today 😊

newgirly

Another week gone, where is the time flying to? 

I bashed my elbow on Saturday on the door frame, so painful, when I woke up yesterday I was Googling the walk in clinic (X-ray shut until April apparently) as it was so bad, however it’s a lot better now thank goodness. So I went for a walk first thing just to get out while it was sunny as I had a boring day on my own, but in the end I popped to mums for a cuppa and then ds2 and dil asked me to go to the antiques centre with them and dil’s sister is back from Germany where she now lives, so that was nice. So it kept me busy as I wasn’t up to doing anything around the house, and dh was at work all day again Sunday 😩

I’ve started looking at when dh can retire, I want to find out if it’s sooner with a lower income or later with more, or somewhere in between. When asked he said he’s not really sure and doesn’t really want to get involved with any of it, probably my timing is bad but I feel like if he has an idea of what he wants I can work back from that to achieve it. He doesn’t like a plan (like I do 😂) though and is more along the lines of wait and see, we will retire when we can afford to.
I will carry on looking at this though and hopefully a plan will become clear. He doesn’t want to stop very soon apparently, so I need to do a short term financial plan to get by while the building is empty, then perhaps a medium term plan for when it is rented.  I’m thinking along the lines of planning to have the rental income from the factory as well as perhaps half of the state pensions we will be entitled to (£220pw) as our “income” from when the mortgage is cleared, debts cleared, holidays paid for etc. and then after that amount we put the rest into savings/pension pots until there’s enough to retire early on the same extra monthly amount (ie. One persons state pension) to boost up the rent. Not sure if this is anywhere near a good plan 😆 it would mean he has more income when retired and the state ones kick in than from early retirement to that point though 🤔

Getting the balance right is very tricky, as I feel strongly about doing things while we are younger if we can afford to, as nothing is promised in the future. This is hard to work out, especially as he’s the one working, it should be his choice 😩

newgirly

Another very cold but sunny day today, one load left of washing to try and squeeze on the racks outside. Last night I went to the cinema with ds2 and dil, plus the gym in the morning, no arm workout still at the moment though, although it’s improved a lot. 

Today my Aunt is coming over for a forest walk and then lunch here, she and my mum are a little difficult (with each other) sometimes and I’m beginning to feel like our May holiday is going to be impacted because of this 😩 Aunt comes alone as her dh won’t join her, but is not confident doing anything by herself. We will see, but to be honest I’ve actually looked up adding on another week to the cruise before we go with them so we can be on our own for a week 😂 it was more of a daydream, however it appears it’s already heavily discounted plus we get a loyalty discount and 10% off both the cruise we already paid for and the new one, bringing the new week in at about £480 each compared to the original week we have booked at £1200 each (different cabin grades). I shouldn’t have looked as the timing is bad to be spending more money, however they are driving me me nuts lately! Dh says “book it but it’s probably bad timing”, I feel like I need telling no 😩 🤣

Food plans for the day are spag Bol for dh, and probably greek salad and houmous and flatbread for me, still struggling to diet, but am eating healthily and doing exercise, I may just have to accept being a bit bigger but fitter now perhaps? 😬

South_coast

Book it 😀 You've got the 0% card and life's too short!

TallGirl

Sounds like a reasonable price for a bit of peace however would it be better afterwards so you have a week to recover from the dramas. It’s so hard to diet but portion sizes is key maybe try eating of smaller plates it’s been a game changer for us. Really tells you when you load too much on. 

daisy_1571

I was going to say what tg has, book the week after.

Dxx

newgirly

😆 I thought you would all be screaming NOOOOOO! Well I rang up to get a quote and the back to back discount doesn’t apply to fly cruises 😩 - - contrary to the day before, very disappointing. So now it would cost about £650 ish each so I’ve not booked and will keep an eye for the moment, it’s more likely to get dearer instead of cheaper but I’m a bit nervous about what’s happening with dh and work, I’m going to think about it over the weekend. 

We are waiting for the second valuation to come in from the other agent before it goes up for rent, everything hangs on that really and it will probably take a fair bit of time. I should be so excited to be mortgage free (or neutral) this month, but I feel like we may be very quickly having to borrow from the offset if the factory stands empty to pay the service charges etc. will I still be mortgage free? it feels like cheating 🤔

Anyhoo, off to the shops with best friend today for tea and toast, then back to bring in the vast amount of washing I left outside last night which is probably damp again now. I also need to make a playlist for the car, best friend and school friend are taking me for my birthday day out Saturday which involves afternoon tea, then roller skating , then dinner at the local Mexican restaurant, I thought a load of old songs from our “heyday” could be fun while we drive there 😆

newgirly

Urgh, woken up with a headache and and going to the factory to do a load of work for dh today, he’s got a big job in that he will do privately over the weekend so asked if I can come in and sew it all today on the machines. Can’t say no really much as I’d love to 😆 

Last night I (yet again) joined WW 🙄 nothings happening really even though I’m eating better so I thought I’d give it a good run on WW tracking before I speak the cardiologist in May, when I stick to it properly I always lose weight so if it doesn’t happen this time I know there’s something afoot like my medication. Sometimes you feel like you are eating well when in fact it’s still too much. Seems they have changed it round again and now the “free foods” include oats and potatoes which is helpful. I was going to sign for three months but it was £18.95 pm for three or £7.50 pm for a year so I went for that, I can then start and quit a few times over the year 😆

The second valuation came in from the agent yesterday, a huge £45k a year 😳 first agent says they are happy to go multi agency with them but a more realistic figure is 35k (they said £35-46k last week) so they will talk between them to come up with a figure to advertise at, there’s also talk of us offering up to 6 months free as an incentive if it’s a longer lease like 5-10 years. We also need a bit for legal fees and renovations and now we will pay 15% instead of 10 % for two agents, but it seems worthwhile as they are different. So dh does not have enough in the business to cover it, so it looks like we will be mortgage free for a short time and then will possibly be taking money from the offset to cover it 🥲 I’m still going for mortgage free in March then might do a pay off the debt challenge afterwards 😬

South_coast

You can be like me NG, MF but with loads of debt 😀!