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Paying down the mortgage, motherhood and the marvels of life. Welcome my beautiful diary friends
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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 29/7/250 -
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. XJune 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 01/05/20461 -
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 29/7/251 -
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 rippedJune 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 01/05/20461 -
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 contentmentJune 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 01/05/20462 -
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 01/05/20461 -
mumof3.12kindebt said: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 contentmentMortgage 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!!!1 -
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!2
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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 updatedJune 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 01/05/20461 -
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 MeJune 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 01/05/20461
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