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

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on your studies. 

    Hope you skin settles down and that work does too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 10 August 2022 at 2:55AM
    Evening my beautiful diary friends, 

    Thankyou @savingholmes they put out for night cover earlier. I'm on tomorrow afternoon. Made it clear I would not be staying to do part or all of the night. I'm speaking to the gp on Thursday. My skin is ridiculously dry it's actually embarrassing it's so dry it's flaking onto my uniform at work 😭 I'm sure it's stress related. 😩 

    Spoke to my grandma earlier on video call. 
    Spoke to my brother over text. 
    I'm back in contact with my mum. It's early days. Met her once for some food on my own  it's too early to introduce the kids. It's been a long time she's never met ds2 or dd and the  last time she saw ds1 when he was a toddler.

    Spoke to my best friend over text too 

    DP had a hospital appointment today. That went okay just got to wait for the results now. 

    Hope everyone has a lovely evening 
    Take care
    Love hugs positivity and prayers to you all 

    Mumof3. X
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Taking things slow with wider family sounds wise.

    Hope your skin improves and that your DP's appointment goes well.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 12 August 2022 at 4:46PM
    Hello my beautiful diary friends. 

    Well I got through another week at work. 

    The next few days the plan is 
    to take the kids out x2 
    Declutter the house 
    Do a food shop 
    Do some of my diploma work 
    Ds2 has his covid vaccination this afternoon ✅️
    I need to check my tyre tred 
    Pick up a prescription ✅️
    Do a skip run 
    Rsvp to a party ✅️

    Let's see what I can get done today 

    I have some vacuume bags coming tomorrow  so I can sort through our clothes bedding and towels  and store some away ill donate what doesn't fit and throw away what is stained or ripped 
    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
  • I've been listening to the audio book 
    Unstuff your life some of it is relevant to me but I think I prefer the chaos cure so I've rented that one again and I have a few reserved for when they become available. 

    I'm truly sick of my life being consumed by stuff and the time it takes to try and keep this place clean and tidy. It's becoming exhausting and overwhelming so it's time to do something about it. It really has hit the point of dispair for me 

    So far we have done the lounge and downstairs toilet   we did the dining room not long ago but it's back to how it was. Same with the kitchen so it's time to purge like we  are moving house, let go and finally have a house of contentment 
    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
  • We have done the kitchen today, we'll clean and tidied it. Decluttering can wait for another day 

    Just doing dinner then I'm going to go up to our room. 
    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
  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I'm truly sick of my life being consumed by stuff and the time it takes to try and keep this place clean and tidy. It's becoming exhausting and overwhelming .... it's time to purge like we  are moving house, let go and finally have a house of contentment 
    I love this ❤️ Good luck with your efforts 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!!!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey, I feel exactly the same about my house, I got inspired watching Stacy Solomon’s ‘sort your life out’. It just made me want to lay all of my stuff out and then get rid of it all! I get over excited and end up doing every room all at once and everything just ends up being the biggest mess imaginable! It sounds like you’re doing well!
  • Thankyou @SouthCoast and @missymoo81
    I love that programme wish they could come and do my house 🤣

    Tomorrow I have the day off I'll see what the weather is like in the morning before we decide what to do. 
    I do have a plan to start categorising and decluttering tomorrow. 

    I'll keep you updated 
    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  all. 

    Our free gusto box has been delivered. So I've put all the meat from our food shop that we haven't used in the freezer. I've picked meals I hope the younger 2 will eat (they are both extremely fussy) 

    I'm off to stick some tunes on and tidy up and sort stuff Into catagories and vacuume bag my clothes I want to keep for after my hernia operation.  

    OH has gone to pick up his prescription. 
    Ds1 has show rehearsals tonight 


    I'm going to do a ta da list today rather than  to do .. to help motivate Me 
    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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