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

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  • craftingmad
    craftingmad Posts: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 24 January at 7:26PM
    Morning all :) 

    Hope you are staying safe and warm whilst this storm is battering the UK. Luckily we don't seem to be taking the brunt of it here on the Broads although the windspeed is still 50 mph and its raining pretty hard so I will only be going outside when I need to today. Thinking of anyone who is badly affected by it x

    No real plans for today apart from popping to BK to show my birth certificate and NI Number proof. I'm keeping my options open as not sure what will happen if the cafe sells so thought I may as well still have the BK option to fall back on if needed. Work doesn't start until March there so if the cafe sells it should fit in nicely with that :) I also need to go to the post office to get a form for a driving license as I seem to have misplaced mine and post off a couple of orders. Other than walking the dog that will be me done outside for today and I'll spend the rest of the day while hubby is at work working on my business and hopefully doing what I love most - making things to sell :)

    I did manage to transfer a bit more into the savings account yesterday from facebook and website sales (I only transfer money into savings once the order has been despatched just in case) so I'm £82.55 closer to our mortgage free dream :) I feel like we are not making much progress at the moment but every penny must help so I'm sure we are getting there even though it doesn't currently feel like it. 

    The good news is that hubby mended his car himself though so we won't have an expensive garage bill coming our way :) 

    So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - 39 points so far :)
    2. Watch videos on WeR8 - no videos available yet :(
    3. Check everyone's bank cards are registered on Airtime rewards as balance doesn't seem to have moved recently
    4. Design and send proof for order book to Etsy customer - DONE :)
    5. Get more details for cards my Etsy customer above wants made and give a price - DONE :)
    6. Reply to enquiry about a planner on FB - replied now just to design it and send over a proof :)
    7. Print, bind and post planner for Etsy customer - DONE :)
    8. Print, bind and post off nail planner for Etsy order
    9. Post off cross in my pocket for Etsy order - DONE :)
    10. Take birth certificate and NI proof to BK - DONE :)
    11. Pay tax bill - DONE :)
    12. Deliver craft declutter items to neighbour who is buying them - DONE £20 added to OP savings account :)
    13. Comment on in search of posts to hopefully get some orders - commented on one so far :) 
    14. Read MSE newsletter for this week - DONE need to check electricity tariff and change if required :)
    15. List something for sale on FB - DONE two kids raincoats listed for £3 each :)
    16. Check freepostcode lottery - DONE not a winner :(
    17. Complete Prime Opinion survey - DONE 152 points from 2 surveys and 120 points for levelling up :)
    18. Tidy more of craft room 
    19. No heating on until 6pm - DONE and not going to turn it on yet as warm enough in my oodie snoodie and I'm the only one home for a few more hours :)
    20. Upload card designs onto craftuprint
    21. Design a new cardmaking download
    22. Make something new to sell
    23. Upload a new item to Etsy
    24. Delete 50 emails from inbox - DONE 57 deleted today :)
    25. 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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 26 January at 6:32PM
    Good afternoon,

    Sorry there was no post from me yesterday but I had a mammoth session of watching series 3 of the traitors before I found out the winners. I was absolutely hooked and plan to watch the first two series when I get a moment :) 

    I'm back to normal today though (well as normal as I get ;) ) and am hoping to get a few orders made and posted off from Etsy along with all the boring day to day adult things we have to do as well :) My joints are really hurting again today though so I'm going to be kind to myself and stop and rest when I need to :) 

     So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - 10 points so far :)
    2. Watch videos on WeR8 - one video watched for 6p :)
    3. Submit hours for cafe for this week - DONE :)
    4. Transfer cafe wages when they hit bank account
    5. Check everyone's bank cards are registered on Airtime rewards as balance doesn't seem to have moved recently
    6. Print, bind and post off order book for Etsy order
    7. Design specification cards for Etsy order and send proof over to customer - DONE :)
    8. Print and cut specification cards for Etsy order and post off - printed :)
    9. Print, bind and post off nail planner for Etsy order - gutted just noticed the order is to The Netherlands so I have had to cancel the order thanks to the new GPSR rules bought in which make it uneconmical for small businesses to now sell to EU Countries :(
    10. Print, cut and post off small business order inserts for Etsy order and post off - printed and cut :)
    11. Apply for replacement birth certificate for son as needed to prove ID for a job 
    12. Submit shop and scan barcodes
    13. Schedule social media posts for next week - DONE :)
    14. Comment on in search of posts to hopefully get some orders
    15. List something for sale on FB
    16. Check freepostcode lottery - DONE not a winner :(
    17. Complete Prime Opinion survey
    18. Tidy more of craft room 
    19. Wash and dry uniform for tomorrow - washed and on radiators and airers to hopefully dry in time for tomorrow :)
    20. Meal plan for next week - DONE :)
    21. Upload card designs onto craftuprint
    22. Design a new cardmaking download
    23. Make something new to sell
    24. Upload a new item to Etsy
    25. Delete 50 emails from inbox
    26. NSD (other than buying freezer bags) - DONE although I also picked up weekly shop whilst I was there to save petrol and time next week :)
    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'm sorry to hear your joints are painful, hopefully, today's doctor's appointment will answer some questions or refer you to the correct department and give you the necessary pain relief 🤗
    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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'm sorry to hear your joints are painful, hopefully, today's doctor's appointment will answer some questions or refer you to the correct department and give you the necessary pain relief 🤗
    Thanks Baileys. 
    The doctor is pretty certain that it is RA sadly. He wanted me to have blood tests tonight but the earliest they can fit me in is Monday so he has prescribed me an anti inflammatory which will hopefully help me. Fingers crossed as it seems to be getting worse :(  
    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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Evening all,

    I was in a bit of a rush this morning as I struggled to get up thanks to my aching joints so haven't had a chance to post until now. I have been to the doctors tonight and he does think it is RA but can only confirm once he has the result of blood tests. Unfortunately the nurse cannot fit me in for those until Monday 6th so in the meantime he says we will treat it as if it is and has prescribed me some anti inflammatory tablets so fingers crossed they help. I will pick them up tomorrow as they did not have them in stock sadly :( 

    Other than completing my cafe shift I don't think I will realistically get much else done tonight but that will be enough for me so I'm not going to beat myself up :)

    Hope you are safe and warm after the battering of this new storm 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
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sorry to hear of your likely diagnosis, but I am pleased that you have been prescribed anti inflammatories and I hope they quickly improve your joints.
    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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 28 January at 9:20PM
    Morning all,

    Its freezing here on the Broads today so I'm glad I will be in a nice warm cafe for the day :) 
    I'm not planning on getting much else done today if I'm honest but hubby is on an overtime day so between us we are still doing something to help the mortgage amounts decrease :) 

    I'm really stiff again this morning so the quicker the tablets work will be great with me :) 

    So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - 7 points so far :)
    2. Watch videos on WeR8 - DONE - one video watched for 6p :)
    3. Check everyone's bank cards are registered on Airtime rewards as balance doesn't seem to have moved recently
    4. Post off four Etsy orders - DONE :)
    5. Apply for replacement birth certificate for son as needed to prove ID for a job 
    6. Submit shop and scan barcodes
    7. Comment on in search of posts to hopefully get some orders
    8. Check freepostcode lottery
    9. Complete Prime Opinion survey
    10. Cafe Shift (9am - 5pm) - DONE :)
    11. No heating on until 5pm - DONE not turned on until 7pm :)
    12. 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
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hope the tablets kick in soon for you and you feel better 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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 31 January at 9:34AM
    Morning all,

    Its flipping freezing this morning and I nearly slipped over on some black ice when I was walking our doggo but luckily I managed to just about stay on my feet. I don't think my poor body could take a fall at the moment as it is still really stiff and achy :( I just want to get the blood test out of the way now and get the results so I know if it is RA or just me body telling me I'm getting old!!!

    The bad news is our sons car went wrong on Monday (brake problems) but the good news is we managed to get our neighbour to take a look who has mended it for £75 so it could have been much worse and it really helps having him back on the road again as it is much less running around for me :) 

    A day off for me today and I've got a lot of phone calls to make including one to the dentist as it looks like they finally have space to see our son again for a check up under the NHS so that is great news. Other than that I plan to have a day working on my business (and more specifically taking some courses so I can cancel some subscriptions) and getting some housework done. Oh my life is so rock and roll ;) 

    So today I HOPE I WILL:-
    1. Play on Mistplay (50 points target) - 27 points so far :)
    2. Watch videos on WeR8 - DONE one video for 6p :)
    3. Phone doctors for appointment to discuss blood tests - DONE booked in for next Friday :)
    4. Phone dentist and make an appointment for son - DONE booked in for next Thursday :)
    5. Order duplicate birth certificate for son - DONE :)
    6. Comment on in search of posts to hopefully get some orders - commented on  one :) 
    7. List something on facebook marketplace - No but I did renew 17 listings :) 
    8. Delete 50 emails from inbox - DONE :)
    9. Take two courses from a membership - listened and took notes on one long masterclass from one membership :)
    10. Go through DD's and SO's and see if I can negotiate better prices or cancel some
    11. Design something new to sell
    12. List something new on Etsy
    13. Check freepostcode lottery - DONE not a winner :(
    14. Complete Prime Opinion survey
    15. Put away clean washing
    16. Upload completed designs onto craftsuprint
    17. Tidy more of craft room/office
    18. No heating on until 5pm - DONE :) 
    19. Write social media posts for next week
    20. 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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Sorry to hear re the RA.  My mum has found taking boswellia and turmeric  very helpful  - I am also buying her an acupuncture session to help as it always helps my knees
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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