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Pay off mortgage and start having even more fun 😁
Comments
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Hi @newgirlyAw sorry to hear the warehouse has still not been sorted yet. Good on you for setting your 6 month budget. Like you say, please try not to worry, something good is going to come around the corner soon. I don't have any advice as such just am a believer in listening to your gut instinct. So on that, what does your gut instinct say to you? This is def a rhetorical question, no need to answer here but I do agree, don't feel bad about the idea of selling and not having that as an inheritance to your children.2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £102,000.00 / £122,400.00 Overpayment total: £1239.11 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 30%
2). #TBC Save 1p a day challenge 2026 £0/£780
3). £2,411.31/£3000 in Investment ISA (33/50 investments)
4). Sensible money choices & debt reduction
5). Lose weight, get fitter and read 12 books in 12 months in 2026.5 -
Thanks Queen of the hive for the kind comments 😊 I did email the agent again and he’s said things have picked up now it’s new year and when I suggested dropping the price that he wouldn’t recommend that at the moment, he’s usually pushing for us to do that so hopefully it’s a good sign. I think we will reduce again soon if it doesn’t go though. As for selling, I think it will be a last resort or something I can prove will be easier without a huge drop in income. I feel like it should go in the next few months and if it doesn’t we should sell really, I’m not sure it’s worth the stress.Hectic first half of the weekend and ridiculously lazy day yesterday (sitting around watching tv most of the day 😱) Saturday we had my brother round to explain how to do the accounts and hand it over. I used to do payroll and a bit of invoice shuffling at work years ago, but my brain has since turned to jelly 😆 so I’ve made notes on what needs doing, just need to remember to actually do it! Then we went into town with ds1 as he wanted to look in the record shop and all the charity ones. Whilst we had him captive I suggested a quick visit to the in-laws - he hasn’t passed his test yet so tricky to get there and he’s not been for ages. Dh was very reluctant but ds1 had said before Xmas he will go if he’s free when we next go.
So we rang MIL on the way to say we were going, when we pull up his older brother is there, ds1 thinks this is highly amusing as it may well end in an argument (it has on the phone) and we haven’t seen him for years , plus he’s in charge of everything for parents in law 😳 luckily it didn’t, sil spent time filling me in on various other things at speed, like how much her son in law earns etc. and the cosmetic work she was about to fly off and get done. It was far too chaotic for dh to pin him down on the situation with his parents and I’m not sure he wanted to actually. I’ve not seen fil for a year or so, he’s been bedridden or so we thought. Apparently when eldest son is there he’s different according to MIL and there he was sat downstairs chatting away like it was years ago, all in all a very strange visit!So plans for today :
- take mum to shops this morning
- get food shop, small one as currently budget is £102.60/£350 for 31 days and we are on day 9 now
- buy best friend a birthday gift and paper as I’ve run out
-post parcel - bag sold on vinted
-use the weights I got for Xmas , they have not been picked up yet and I should be exercising at home since leaving the gym 🙄
- freezer rummage for ready prepped food to try and make some space so I can think about defrosting it soon
- do the money shuffle as it’s payday for dh (it’s weekly now) first payday since 19th December, while he’s been off we been self paying from the pot for this 😩MFW 67 - Finally mortgage free! 💙😁2
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