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My Mortgage Free Mountain - A 7 year expedition to climb to the top

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  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Gosh, can't believe it has been a year already. Lots of love to you and the family x
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    🤗 your niece's birthday and the anniversary of her passing will be hard today. Do allow yourself some time today to remember something happy times and to also mourn for her.
    Thanks Baileys. It has been a very hard couple of days and although we shed some tears we also remembered many of the good times we shared together x
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Jessy103 said:
    Gosh, can't believe it has been a year already. Lots of love to you and the family x
    Thank you.
    It has gone so quickly yet at the same time it feels like time stood still for so much of it.
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 10 October 2024 at 6:04PM
    Sorry no time to post yesterday as I ended up doing more hours at the new cafe as the owners mum is at end of life care and he had to dash off Tuesday to be with her so I opened up and closed by myself. I have to admit to being exhausted so other than my cafe shift I achieved nothing else yesterday :( 

    Hubby is coming home for the next three weekends which will be lovely. It feels like so long since we saw him last but it also means I really need to get on top of the housework as it has been neglected whilst I have been working so many hours :) 

    I have a shift at the original cafe from 9am - 4.30pm but I am also determined to get some other bits done too. Especially as the dog and my bladder woke me up an hour earlier than usual :) 

    So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - 2 points so far :)
    2. Watch videos on WeR8 - DONE watched two video for a total of 16p :)
    3. Cafe shift (9am - 4.30pm) - DONE actually finished at 4.45pm so a bit extra in the wage packet next month and I came home with 4 sausage rolls, a pasty, 3 cheese and ham toasties and a cheese scone - that's dinner sorted for the son and I :) 
    4. Finish making up elephant for Etsy order and post off - DONE :)
    5. Post off stickers for returning customer - DONE :)
    6. Post off plantable gingerbread men for Etsy order - DONE :) 
    7. Create custom listing for repeat customer on Etsy 
    8. Update monthly spreadsheet
    9. Get Business accounts up to date
    10. Comment on in search of posts to hopefully get a few orders
    11. Write and schedule social media posts for next week
    12. Check free postcode lottery
    13. Complete Prime Opinion survey
    14. NSD - DONE :)
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 12 October 2024 at 5:35PM
    Morning :)

    I have just got back from taking daughter to work and there was ice on the windscreen! I am refusing to put the heating on yet though so everyone can wear their oodie snoodies and wrap blankets around them ;) 

    I am picking hubby up from the airport at around 4pm today so I feel very excited but am also hoping my son will clean the kitchen like I asked him too as it is a bit of a pigsty at the moment! I am at work in a little while so that will keep me busy for most of the day. 

    I feel like we do not seem to be making much progress at the moment but hopefully all the little things we are doing will all add up and enable us to take a few more baby steps along our mountain road. That said it was interest payment day yesterday on our new savings account so that has given us another £245.54 to add to our OP savings pot.. I love interest as it feels like "free" money as I don't have to work loads of hours and really hard to get it :) 

    As we are all home together tonight (which these days is a rarity) I think we shall have a takeaway for dinner. We shouldn't really as the bank account seems quite low this month but hey ho we all need a little treat sometimes I think :) Good news on the dress for me for daughters graduation too - I found one on Amazon for the grand total of £18 and it fits really well and actually looks lovely - the quality is great :) 

    So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - 72 points so far :)
    2. Watch videos on WeR8 - DONE watched two video for a total of 16p :)
    3. Cafe shift (11am - 3.30pm) - DONE actually finished at 3pm as was so quiet which meant I got to the airport at the perfect time to collect hubby :)
    4. Create custom listing for repeat customer on Etsy - DONE worth £106.75 (before fees) so fingers crossed she purchases soon :)  
    5. Update monthly spreadsheet - DONE and the savings accounts balances are going up so that is good :) 
    6. Get Business accounts up to date
    7. Comment on in search of posts to hopefully get a few orders
    8. Write and schedule social media posts for next week
    9. Check free postcode lottery
    10. Complete Prime Opinion survey
    11. Make something new to sell
    12. Take a course from a membership
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • I agree that feeling interest is free money, it encourages me to look for the best places to put our money. Ours is all earning between 4.5% - 10% interest, depending on the account it is in and how soon or frequently I would like to access it.

    Have a lovely time with hubby when he is home. How long is he back for?

    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I agree that feeling interest is free money, it encourages me to look for the best places to put our money. Ours is all earning between 4.5% - 10% interest, depending on the account it is in and how soon or frequently I would like to access it.

    Have a lovely time with hubby when he is home. How long is he back for?

    10% is a fantastic rate Do you mind me asking who that is with? Do you have to lock it away for so long?

    He goes back tomorrow so not home for long but the dog and I are very pleased to see him even if it is for a short time :)
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 13 October 2024 at 8:45AM
    I am just enjoying spend time with hubby today which is lovely as it's been a while since I last saw him but I hope to also get a few little bits done to keep us going on our mortgage free mountain :)

    So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - 102 points earned :)
    2. Watch videos on WeR8 - DONE watched two video for a total of 16p :)
    3. Reply to enquiry regarding custom print - DONE and got a sale for £9 :) 
    4. Comment on in search of posts to hopefully get a few orders - DONE commented on three so far :) 
    5. Check free postcode lottery - DONE not a winner :(
    6. Resist the urge for another take away and actually cook something yummy for dinner instead - DONE had halloumi and chicken poppers which needed eating so we had those with vegetable chips - very yummy :)
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 13 October 2024 at 8:26PM
    Morning all,

    It's freezing here on the Broads today (even with my oodie snoodie and slippers on) so I have had to admit defeat and turn the heating on for half an hour just to take the chill away :( 
    Hubby goes back to his course at 2pm today so I intend to spend the morning in his company taking the pooch for a nice long walk on the beach. It has been lovely seeing him but it has gone so quickly.
    It does mean however that once I have got back from the airport run and taken daughter to work I will have a few hours to crack on with a list so:-

    So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - DONE 107 points earned today :)
    2. Watch videos on WeR8 - DONE watched two video for a total of 16p :)
    3. Beach walk with hubby and doggo - DONE walked from one village to the next (so about 10 miles in total). It was lovely and we stopped off at bakery on way home which was very enjoyable but not good for number 14 on my list :)
    4. Get Business accounts up to date
    5. Comment on in search of posts to hopefully get a few orders - DONE commented on 4 posts today :)
    6. Write and schedule social media posts for next week
    7. Check free postcode lottery
    8. Complete Prime Opinion survey
    9. Make something new to sell
    10. Create a new digital download to sell in card making club
    11. Take a course from a membership
    12. Download some artwork from clipart site I pay monthly for - DONE at least 25 more images downloaded ready to turn into items to sell :)
    13. Transfer wages from new cafe when received - DONE £301.85 added to OP savings account :)
    14. Meal plan for week ahead - DONE :) 
    15. NSD - FAILED - see number 3 above for details :(
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I agree that feeling interest is free money, it encourages me to look for the best places to put our money. Ours is all earning between 4.5% - 10% interest, depending on the account it is in and how soon or frequently I would like to access it.

    Have a lovely time with hubby when he is home. How long is he back for?

    10% is a fantastic rate Do you mind me asking who that is with? Do you have to lock it away for so long?


    The 10% account is a Virgin Money regular saver, the money is not locked away as it can be accessed at any time, unfortunately the account is no longer available to new applications.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
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