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

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  • Jessy103
    Jessy103 Posts: 2,256 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    I'm just tired reading about it!! 

    Hope you got your well deserved rest 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
    Wow, you have worked so much in the last few days no wonder you're feeling exhausted.

    Can you combine taking your daughter to work with paying in your wages?

    You have put more on your list than you realise, make and post is 2 jobs not 1 😉

    Look after yourself, stay hydrated and I hope your power nap helps.
    Thanks Baileys. I made sure I was drinking lots as I do tend to forget whilst I am working away.
    I didn't have a power nap but I slept really well last night and am feeling ready to face the day ahead of me :) 

    I paid my wages in on the way back from taking daughter so that not only saved me some time but also fuel costs as well :) 

    As always, you were right about the making and posting being two jobs - I managed to make them but not get round to posting them off :) 
    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
    Jessy103 said:
    I'm just tired reading about it!! 

    Hope you got your well deserved rest x
    Thank you 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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 12 June 2024 at 7:41AM
    Morning all,

    I'm planning on taking it a bit easy again today but I do have a 4 hour chippy shift this evening so I will still be doing something to add some coins into the pot :) 

    I slept really well last night and so feel rested and ready to plough through the day. I'm hoping to spend the majority of the day working on my business but first I'm going to do a brain dump to get everything out of my head as it feels very full at the moment and I seem to lack the time to do much so I'm going to try and prioritise the things which must be done (can you tell I took a productivity course from my membership yesterday ;) )

    So today I WILL:-
    1. Brain dump everything out of my head - DONE :) 
    2. Play on Mistplay (126 points target) - DONE 182 points earned today :)
    3. Watch videos on WeR8 - DONE five videos watched for 30p :)
    4. Design planner for FB customer and send over proof - DONE :)
    5. Package and post off three orders from yesterday - packaged up. Will post off on way to work :)Posted :)
    6. Reprint stickers which have gone astray in post for repeat customer as required urgently - printed - will post on way to work :)Posted :)
    7. Transfer Paypal balance into OP savings account - DONE £48 transferred into OP savings account :)Will transfer remaining £17.09 once I have posted off the order book tomorrow :)  
    8. Design more cardmaking sheets to sell
    9. See where my Craftsuprint earnings have gone for last month - raised a support ticket as I cannot find them :( 
    10. Comment on in search of posts to hopefully get some more orders - commented on one so far :) 
    11. Post in two FB groups to improve my visibility
    12. Write and schedule posts for my business page on social media
    13. Complete one course from my membership
    14. Check free postcode lottery, winadinner and freemoji - DONE not a winner :( 
    15. Complete Prime Opinion survey
    16. List something on FB Marketplace
    17. Renew listings on FB Marketplace - DONE 17 listings renewed :)
    18. Enjoy a long walk with doggo as feel I hardly see her these days - DONE managed to squeeze an hours walk in in between the rain storms :) 
    19. Chippy shift (4 hours) - DONE :) 
    20. NSD - had to pick up cinnamon doughnuts for daughter so failed :( 
    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
    You achieved loads yesterday and you look like you are on track to do the same today.

    When it is practical I try to combine journeys to save time and fuel.

    A course on being productive I could see as being a great help to me too.

    Are you staying hydrated (yes this is an obsession of mine).
    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
    You achieved loads yesterday and you look like you are on track to do the same today.

    When it is practical I try to combine journeys to save time and fuel.

    A course on being productive I could see as being a great help to me too.

    Are you staying hydrated (yes this is an obsession of mine).
    Thank you so much. Your encouragement helps me so much. There have been times recently when I have felt like just going out and splurging on anything but your kind words keep me going and focused on our end goal which will ultimately give us the freedom to do whatever we like :) 

    The productivity course really helped me to focus on what really needs doing and what is just noise in my head (I get a lot of that apparently - I'm like a magpie - distracted by shiny objects!) :)

    I drunk lots yesterday - my new way of working is 25 minutes hard at it and then a 5 minute rest so each rest I made sure I had a sip of drink and it made me feel so much better :) I had your reminders in my head which helped keep me stay om track so thank you again 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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 12 June 2024 at 5:58PM
    Good morning (actually its an awful and a very wet morning again here on the Norfolk Broads today :( ).

    No work work for me again today so I am intending on enjoying my day off but I do have to collect son from college at 11am and take him to work for 12pm so some of my day will be taken up with that but the rest is mine to do with as I please.

    I got another little Etsy order in yesterday so I shall make that, along with the order book my customer approved yesterday and get those posted off and then I shall see what takes my fancy. I was hoping to get some washing done but think the weather may scupper my plans again :( 

    I've set myself a little challenge this week of trying to get an order a day and so far it's working as I had an order Monday and yesterday so fingers crossed I get one today to keep up my lucky streak. I'll promote on social media and fingers crossed I will get one from that :) 

    Apparently my craftsuprint earnings have been given to me in voucher form for the site as they were under £5 so one of my tasks is to now try and build up my sales on there to make sure they are over £5 so I get the cash rather than vouchers. That or I decide to come off there altogether as it's not very MSE to give me vouchers to buy things I can make myself without spending any extra cash!!! I'll have to have a good think about the best next steps for that one as I was hoping it could make me a nice little passive income when I finally retire. 

    I've got anything else interesting to say so I'll just crack on with my list:-

     So today I WILL:-
    1. Play on Mistplay (126 points target) - 27 points so far today :) 
    2. Watch videos on WeR8 - no videos available this morning so I will check back later :(
    3. Print, bind and post off Order book for customer - printed and bound - now just to post off :) 
    4. Make and post off lucky gnome for Etsy order - made and ready to post off :)
    5. Transfer remaining Paypal balance into OP savings account - DONE £17.09 transferred into OP savings account :) 
    6. Design more cardmaking sheets to sell
    7. Comment on in search of posts to hopefully get some more orders
    8. Post in two FB groups to improve my visibility
    9. Write and schedule posts for my business page on social media
    10. Complete one course from my membership
    11. Check free postcode lottery, winadinner and freemoji - DONE not a winner :(
    12. Complete Prime Opinion survey
    13. List something on FB Marketplace
    14. Enjoy a long walk with doggo - weather too bad to even get her to go outside - she is such a fair weather dog! :( 
    15. Meal plan for rest of the week
    16. Check hubbies Lidl app and activate his coupons so he saves money on his daily food shops - DONE £9.59 of free fruit today(400g strawberries, 500g grapes, 4 avocados, 7 satsumas, a mango, 4 lemons, 5 bananas and a red pepper) - I am loving this free fruit spin game thing) :)
    17. Find library books and go to library to renew as will not let me do it online and I don't want to incur fines - Cannot find 6 books annoyingly but managed to renew all but one of them and got hubby looking for others as he moved them from my car! :( 
    18. NSD - sort of as although Lidl shopping done hubby paid and we got lots free :) 
    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
    Hi all, no list from me today as I have just finished a 7 hour shift at the cafe so think that is me done for the day.
    I have a day off tomorrow though so normal service will hopefully resume then :) 

    Hope you have all had a good day 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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi everyone, just wanted to let you know I'm still here and still plodding up that mortgage mountain (I really hope the view from the top is a good one) one step at a time. 
    I've been super busy with work so the daily lists will return from tomorrow 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: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 19 June 2024 at 7:42AM
    Morning all,

    I'm a bit later posting today as I wanted to take advantage of the sunshine and get some washing done and hanging outside and also take the doggo for a nice walk but better late than never I am ready to begin my to do list :) 

    I've not really got anything exciting to report as my time has mainly been spent working although I did visit my wonderful parents on Friday for an impromptu visit as all four of us had the day off which is rare these days so that was lovely. 

    I did nearly quit the chippy job on Saturday as the boss was being a complete ar*e but luckily I managed to stop and think about how useful the money is and bit my tongue. If he is the same tomorrow though I might decide the money is just not worth it to be honest so watch this space :) 

    I've got to try and find another savings account for our cash as without warning they have decided to drop the rate from 4.79% to 1.9% which is pants so that is on my list for today. the interest we are earning is really helping our mortgage mountain climb be that little bit easier so I'm determined to find a similar rate from somewhere. Anyone have any recommendations?

    So today I WILL:-
    1. Play on Mistplay (126 points target) - 2 points so far :)
    2. Watch videos on WeR8 - none available :( 
    3. Answer enquiry regarding logo stickers - DONE might only be a £4.95 order but an order is an order especially as it is so quiet at the moment :) 
    4. Make up proof for plantable business cards - DONE :) 
    5. Pay in chippy wages and transferred into OP savings account - DONE £92 plus £38.15 from Quidco transferred :) 
    6. Get three loads of washing done and dry outside - three loads done out on the line and drying nicely :)
    7. Look for a higher rate savings account
    8. Submit claims to Royal Mail for three items which have not arrived - DONE 3 claims submitted for a total of £30.55 :)
    9. Look into small claims proceedings for Council who are refusing responsibility for pothole damage to car
    10. Design more cardmaking sheets to sell
    11. Comment on in search of posts to hopefully get some more orders - commented on two :) 
    12. Post in two FB groups to improve my visibility
    13. Write and schedule posts for my business page on social media
    14. Complete one course from my membership
    15. Check free postcode lottery, winadinner and freemoji - DONE not a winner :( 
    16. Complete Prime Opinion survey
    17. List something on FB Marketplace
    18. Enjoy a long walk with doggo - went out for a little stroll but quite hot so will go again later when it has cooled down a bit :)
    19. Meal plan for rest of the week
    20. Check hubbies Lidl app and activate his coupons so he saves money on his daily food shops
    21. Look for missing library books
    22. Look for beast quest books listed on FB and cannot find as somebody wants to buy them
    23. 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
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