Paying down the mortgage, motherhood and the marvels of life. Welcome my beautiful diary friends

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  • dawnybabes
    dawnybabes Posts: 3,245 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Insomnia is rubbish, I sleep
    much better If I have magnesium - I either rub it as a cream or take zinc and mag tablets 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • savingholmes
    savingholmes Posts: 28,893 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your sleep improves.

    Well done on getting debt free.

    Good luck 🍀 with becoming MF to and balancing that with renovations 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 16/5
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 26 July 2022 at 11:53AM
    Hello my beautiful diary friends 

    Welcome everyone. Thankyou for all taking the time to pop by. 

    @dawnybabes thankyou ill get some zinc and  magnesium and give it a try read up about it earlier after reading your comment. 

    @b@Bluegreen143  thankyou me too 😴 Well I figured my original goal back in 2019 when we first got the mortgage was to pay it off by the time I turned 40 so might as well stick to it and see what happens. 

    @m@missymoo81  what a lovely reply.. thank you so much ❤️ I'm quite excited too. I was saying  to a friend the other day I'm really excited to see what my 30s brings. It won't be any more babies or a house move.... but I'm just really living in the moment right now and enjoying life with my kids and partner and anyone else who wants to paddle along on my little boat with me ❤️

    @Tiredbutdetermined thankyou! Good luck to you too. I'll come and find you and say hello 👋 sleep hasn't been much better but hey ho ill get there. 


    I hope I haven't missed anyone 🌟 



    Mortgage update 

    Today I adjusted our mortgage payment and term. Our final debt that we recently cleared we have been paying £50 a month since October 2019. so I adjusted the mortgage from £437.94 to £511.98 this has reduced the term to 24 years remaining from August. It's £73.94  extra rather than £50 but I don't mind. It also means we will still be able to pay 10% on top each year without incuring any fees. With that all done we need to shave off an additional 14 years to meet My target of by the time I'm 40! 

    1 more day till I'm 30 🥳🥳🥳 (as its now 00.05) 😉


    Hugs love positivity and prayers to you all ❤️❤️❤️
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • Morning all, well its nearly afternoon. 

    Spoke to my dad this morning on the phone. 
    Got a small amount of my diploma done yesterday I need to really crack on with that I have 12 days left till its due in. 😲 lack of Sleep. Fatigue and increased pain which is waking me up at night really isn't helping 😕. I feel permanently exhausted and my legs are on the verge of giving up. I have work this afternoon. Not sure I'll last the shift tbh but I'm not in charge so if I'm really struggling I'll ask the senior if I can leave. I was hoping to take the kids to the beach tomorrow as my grandma has covid so we're not meeting up with her now. But how I'm feeling at the moment I don't think it will happen which I'm gutted about. I just really hope I'm not having a bad flare up of what happened 2 years ago this September I ended up being signed off for 3 months. Saw a neurologist who agreed with me that it wasn't my cerebral palsy but she was quite honest and said she didn't know what it was, I've been waiting to see another neurologist ever since. And I've struggled ever since that day I first took poorly the pain is different to my cp but I often have my cp pain aswell so it's like a double whammy and the fatigue is an absolute killer. I was previouy naive in thinking fatigue was just tiredness I can tell you it definitely isn't. I literally spend the day struggling to keep my eyes open and my body just gets slower and slower. Until 2 years ago I'd never experienced pain or fatigue like it. And I get some awful pain with my cp. I can't concentrate to do my diploma work it's just awful. I think ill speak to the gp tomorrow if it's no better to put me back on my stronger pain relief and issue something for break through pain relief at night. I'll see how today Goes  sorry to moan . Prayers I can get it back under control 🙏 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • Afternoon and happy birthday eve :)

    Can you get in touch with the neurologist and see where you are on the waiting list? You shouldn’t have to exist in unnecessary pain

    Total Debt May 21 £20,490.44  DEBT FREE DATE 29/7/22 

    Mortgage balance May 21 £177,096.19. Now £146,747.17
    Mortgage free date. At start of sole mortgage = July 2042

    2024 SAVINGS FOCUS - get rid of the car finance. Savings balance/outstanding balance = £11,857.56/£12,706.25
    2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage
  • savingholmes
    savingholmes Posts: 28,893 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy birthday. It's lovely that you count your blessings like that. I hope you manage to chase up the docs. I imagine there's an element of who shouts loudest and says they're in the most pain gets at the moment - so sadly I do think you need to chase.

    Well done on clearing the loan and immediately redirecting the £. Make sure you have enough to cope with the upcoming energy price increases too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 16/5
  • dawnybabes
    dawnybabes Posts: 3,245 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy birthday, we should never take days for granted, they can be taken away or snatched without notice, xx
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Four_Seasons
    Four_Seasons Posts: 907 Forumite
    Fifth Anniversary 500 Posts
    Happy Birthday, thank you for such a lovely diary, sending you much love and lots of hugs x
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 31 July 2022 at 2:39PM
    Good afternoon my beautiful diary friends. 

    Thank you so much for the birthday wishes. 

    I hope you are all having a wonderful weekend.

    I went out for a meal last night with the girls. Total spent £25 
    Part of my birthday celebrations not a normal or regular thing I do 

    Went out for a meal with my dad on the lunchtime he paid bless him. ❤️

    Got £20 of fuel. 

    DD and DS2 are out today with daddy and thumbs up group they have gone to a soft play/ sensory place 

    Ds1 has gone to a football match with my dad. 

    I'm currently sat doing my diploma work. House needs a bit of a clean and tidy but this work is due in on Monday so I really need to crack on with it 

    I'll add up our spending for July tonight or Tomorrow 

    Have a super Sunday 

    Love hugs positivity and prayers to you all 

    Mumof3  xx
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
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