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

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  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 16 August 2022 at 2:46PM
    I haven't done my cash binders this month.
    And even worse I haven't kept an eye on our spending. The goal has just been to spend as little as possible. 

    So in all honesty I don't know how much we have spent so far this month. 
    But I'm going to track spending from today on here. 

    I transfered our target mortgage overpayment amount at the beginning of the month for Sept.  I'll make the payment on the 1st. 

    As of Sept we will go back to cash spending. 

    I've just added up our transactions for August so far £587.62 after bills. 

    16 days left including today so hopefully we don't spend too much more. 

    Aug spends 16th onwards 




    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on catching yourself and focusing back on the budget.
    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

  • Today I tidied our bedroom it was awful before. Actually embarrassing 😳 

    But it's done now. And I am totally exhausted 😩 despite doing most of it sat down. 

    Tomorrow I need to 

    Collect prescription 
    Sort out and fold clothes in drawers 
    Laundry 
    Clean clothes away 
    Shower / wash hair 
    Pack picnic for kids 
    At least 1 question of my unit 
    Hoover bedroom 
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on doing the room. I'd be wiped 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
  • Afternoon my beautiful diary friends. 

    I'm looking forward to My week annual leave next week. 

    I'm watching eldest with my grandma  in his show tomorrow. So that will be £20 for the tickets. 

    OH is going with the kids on Saturday so that's £20 for them. 

    I'll need to get milk and bread and a few other bits over the next few days but I don't expect to spend money on anything else. 

    Next week I'll be taking the kids out as much as possible mainly because I feel like we haven't done much this summer. Mainly down to me being in so much pain and so tired. So next week will be lots of days out but I don't expect to spend a huge amount. 

    Have a nice evening all 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
  • Morning all
    Hope you are all well. I have a hospital appointment this afternoon for an allergy test. I'll be quite relieved to have it done as I was allergic to quite alot as a child. So we will see how that goes. 

    Hope you all have a nice day 

    Love hugs positivity and prayers to you all 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the appointment was helpful.
    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 26 August 2022 at 3:45PM
    Good afternoon my beautiful diary friends. 
    I hope you are all well. I've been reflecting on this summer holiday and I've realised I've definitely been suffering with a flare up and depression which is a super mix 😭 and what I was absolutely dreading to happen. 

    And now I'm suffering mum guilt on top because I wanted the holidays to be full of memories and most days I've struggled to function and stay awake all day. 

    But I'm going to stop wallowing about it because my beautiful grandma is having them this weekend and I am pledging to myself that I will get my sh*t together. 

    Next week is the last week before they go back. I'm working on Monday and then off until the weekend so those 4 days I will be getting out the house and doing things with them. I speak to the gp on the 31st about my  skin so I'm going to see if they will adjust my medication to help with the depression. 

    I'm going to spend this weekend doing some of my diploma and sorting out the kids clothes because they have way to much and the stuff that doesn't fit needs to go. 

    Also need to sort out their school uniform. This is what I mean normally we would have everything sorted for school at the beginning of the holidays. My life is just disorganised chaos and to prove the point I'm currently waiting for clothes to dry when we should be leaving in half an hour so they have enough clean clothes that fit ! For when they are at my grandmas .. I mean come on ... what the hell is going on. 😳 

    Anyway tonight I will be in bed with lights off and no phone at the latest of 11pm .. and tomorrow I'm going to start my new routine that I have wrote out for myself and the kids will start their new routine on Sunday night. I've done a routine for me and the kids DP can figure out his own. My routine coincides with the kids which I purposely did. I haven't listed anything specific I've just block scheduled us. Our 'free time' blocks are literally labeled 'activity'for kids and 'housework / activity' for me. Activity also covers study time. 

    I have 1 routine which covers school and no school so the weekend and holidays the routine is just labeled 'school / activity' 
    School days school is when they are at school activity is when it's the weekend or school holidays. 
    I'll use it along side my calander so on the weekends I'll have a look earlier in the week for activities and going forward 95% of our life will be planned out so I'm more productive, I think this will also help the depression 😊 you have to help yourself before anyone else can help you.

    I was looking back on photos from last year the other day (I was sorting out the photos on my phone) and don't get me wrong I'm in a loving beautiful relationship and I adore my children but seeing those photos and recent ones I look so tired and you can see the sadness in my eyes even on the days that I'm 'happy' this just proved to me how much my mental and physical health is impacting my life. 

    Today I woke up late again
    And I felt instant guilt 

    I Need to sort my life out, my health out, and stop guilt tripping myself. 😒 


    Right that's my moan because it's good to get it out I'll be copy and pasting it too my journal. Another thing I started doing which helped and I stopped. 😡😳🤷‍♀️ 
    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
  • DancingInTheRain
    DancingInTheRain Posts: 1,374 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 26 August 2022 at 10:02PM
    Aww sorry to hear you've been feeling like that, every time I read your diary I'm full of admiration for you & all you've achieved.

    Sounds like you've got a good plan for moving forward, make sure you take some time for you too, you're worth it! ((((hugs)))) x
  • South_coast
    South_coast Posts: 5,854 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    My life is just disorganised chaos and to prove the point I'm currently waiting for clothes to dry when we should be leaving in half an hour so they have enough clean clothes that fit ! For when they are at my grandmas .. I mean come on ... what the hell is going on. 😳 

    Today I woke up late again
    And I felt instant guilt 

    I Need to sort my life out, my health out, and stop guilt tripping myself. 😒 
    And stop beating yourself up as well please. 

    You are awesome ❤️ Remember that 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!!!
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