Pay off mortgage and start having even more fun 😁

LadyWithAPlan

So much going on over here as I have finally caught up 

hoping the extra cruise week will come down on price and a MF but debt pay down challenge sounds like a good motivator 
Yoir focus over the last 3 years has been fantastic 

Alchemilla

Hope the second valuation is good xxx

newgirly

South_coast said:

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

That’s sounds fun, I think I will join you in that 😂 

Cheers Lady 😊 

Hi Al, the valuation came in at the same price 🙂

newgirly

It’s birthday day out day today, yet again I’m awake at 5.30am with a headache which is not helpful! 

Little nervous about roller skating to be honest, I feel like I’m still amazing at it as I was as a child, but I’m 50 now so that’s unlikely 😂 I think as long as I try it and don’t break something then that counts as a success 😬 
Things have been a bit meh lately, they shouldn’t be so I need a kick up the behind to appreciate the good things and be more positive, today is the best place to start with that, sometimes it’s hard to not get bogged down in things. 

I should have done a bucket list really turning 50, perhaps I will 🤔 I think both dh and I need to be a bit more proactive going out and about, if he changes job he will have free weekends and no kids any more, what to do with all the time?! Perhaps some regular days out and maybe regular weekend one night away in a cheap hotel trips….

Jessy103

Hope you have a great time NG!

I think a bucket list is a great idea, even if it's only small things and not world trips (although with all your cruises, I'm sure you could cross a lot off 🤣) x

South_coast

Something like a National Trust or English Heritage membership is a great way of getting yourselves out of the house regularly, and the more you use it the better value it becomes

newgirly

Hi ladies, thanks I think I will do a bucket list and will look into EH, I know it covers Whitby abbey and a love a wander up the steps but have only paid to go in once 😁

Well I booked the extra week on the cruise yesterday 😱 it dropped twice since I didn’t book it last week as the back to back discount didn’t apply. So we paid £2318 for the second week (balcony cabin about £80 cabin credit and choice of cabin and dining) this one was £1278 (partially obstructed window, allocated cabin and dining) we will try and change the dining to a table of two later sitting when onboard, it’s usually ok. It’s an expensive trip, but will be just drinks on top, flights are included, having a balcony one week does push the price up a fair bit. It is our first fortnights holiday since we got married in 1995 and also our most expensive one ever, I’m quite excited but very nervous as I think booking it in our current situation feels a bit reckless! 

Anyway, lots to sort out, nothing happening with dh and work still, I sat in on meeting with one of the guys and the manager yesterday, the general feeling I got was, yes we won’t pay your travel, you are on a low wage, we don’t blame you if you just leave 😡 very hard to sit and take notes silently…… anyway, dh has signed the contracts to list the property for rental, hopefully someone will bite. 

Only a few days now until the last mortgage payment,  seems unreal really as there’s so much going on 🙂

newgirly

Well it’s weigh in day after a week on the diet that starts with w, I have lost zero! Apart from Saturdays day out (which used weekly bonus points)  I’ve stuck to it all week and done an average of 14k steps a a day with two gym visits this week 😩 to top it all I did a blood check and my levels have massively dropped so I’ve now got to go to hospital today for an extra check and dose adjustment ☹️ I was borderline needing daily jabs again levels yesterday, how frustrating! I will keep going this week, but usually the weight falls off the first week so it’s quite disheartening, healthy eating and lots of fruit and veg upsets the inr levels when on warfarin, even though I don’t eat the certain items I shouldn’t like broccoli, greens etc. I’ll keep going as I signed up for a year so it had better work, I’ve already tried calorie counting and the hospital said no to the diet shake route. 

I’ve been on a bit of a spending spree, ordered a few dresses to try on am@zon for black tie nights on the cruise, last cruise i just wore a skirt and top, as my old smart dresses are too small 🥲 but there’s four on this one, so at least one new dress, possibly two might be bought 😊 they are all under £30 though so not too bad. I may have bought a couple of summer cardis and a nice linen floral dress in H@M as well 😬

Todays plans are clean the house quickly then off to the gym, then hospital (and a quick pop in Aldi as I park there and walk over) then back to do lunch for a friend who is coming over for the afternoon, I must get a couple of washing loads done and out in the garden too as it looks nice today. Later hopefully an early night and a good look at the finances. 

newgirly

It’s been so busy the last few days! I’ve seen dd a couple of times, she and ds1 took dh and I out for lunch on Mother’s Day which was a lovely treat. I’m back on the daily jabs as my bloods are low, back to hospital Friday and today 😩 I managed to lose an earphone there this morning which was annoying, so a new cheap pair ordered fro amaz@n today as I can’t sleep without them, £15.99. I have the same rule for headphones and sunglasses, I can’t be trusted with either so only buy cheap, the opposite of what I try to do usually as I’d like things to last, realistically though I’m useless 😆

Anyway, the big news is (aside from a 2k overdraft and credit cards balances) ……..We are mortgage free now! 🥳🎉 it’s only taken 14 days shy of 15 years since I joined here 😂 it feels like a half hearted celebration with all that’s going on at the moment but at least we did get there in the end, even if it only ends up being temporary 😆

 

TallGirl

CONGRATULATIONS epic moment who cares how long it took seriously well done enjoy the feeling nothing beats it.