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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 14 July 2024 at 9:15AM
    A bit later than usual (well much later if I'm honest with myself) ;) but better late than never hey :) 

    Another busy day for me as yet another shift to get through (yesterday was hard!) so not much in the way of mountain climbing for me today. I am determined to get some little bits done though so:-

    So today I WILL:-
    1. Play on Mistplay - DONE 2 points so far :)
    2. Watch videos on WEr8 - two videos watched for a total of 10p :)
    3. See if Wer8 payment has landed in account and transfer into savings - DONE still not received :( 
    4. Transfer money into savings account - DONE £2k transferred :)
    5. Make lucky pants for Etsy order and post off - made just need to wait for glue to dry and then I shall post tomorrow :)
    6. Cafe Shift - DONE 4.25 hours :) 
    7. Chip Shop Shift - DONE 4.75 hour shift :)
    8. NSD - DONE working too hard to spend money again today :)  
    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 15 July 2024 at 9:26AM
    Good morning.

    Only the one work shift for me today so I will hopefully get a chance to have a little sit down and rest later today after my Burger King hours but also more importantly get a few more little bits completed which will help us on our way to be mortgage free :) I feel like I have been seriously slacking recently but am telling myself that working the jobs is doing a good job of bringing in regular money which is all being thrown at the mortgages so I'm trying not to be too hard on myself. I can't seem to help it though. In my mind we have hit a brick wall - I think I must just be impatient as I want them all gone now ;) 

    So today I WILL:-
    1. Play on Mistplay - DONE 2 points so far :)
    2. Watch videos on WEr8 - two videos watched for a total of 10p :)
    3. See if Wer8 payment has landed in account and transfer into savings - DONE still not in - I'm beginning to think I might not receive it :( 
    4. Transfer money into savings account - Will not let me - says I've reached my transfer limit so it cannot reset at weekends :( 
    5. Post off lucky pants for Etsy order - DONE :)
    6. Pay in chippy wages - DONE will transfer when my limit resets :)
    7. Burger King Shift - DONE 5 hours :)
    8. Meal plan for next week
    9. Schedule posts on social media for next week
    10. Comment on some in search of posts to see if I can get some more orders = DONE commented on one :) 
    11. 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 16 July 2024 at 1:35PM
    Good morning.

    The sun is shining and I have a whole day off so it's going to be a good day I think :) 

    Work was so busy yesterday so I feel absolutely shattered today so I am intending on taking things a little easier but there again I know me and I don't like sitting still so I shall just have to see what happens I guess ;) 

    I'm having nightmares with transferring the money from one savings account (the one where the interest went down to just 1%) to a higher paid one as my daily limit does not seem to be resetting so I cannot transfer unfortunately. Think I may have to go to the bank and try and sort it out that way as we are losing valuable interest as it stands at the moment :( 

    We also need to go and look for a bed for our son today at some point as his broke a while ago and we managed to patch it together but it has totally broken again now so we have to bite the bullet and get a new one for him :( 

    Hubby also seems to be addicted to Greggs filled donuts so I need to stop him buying anymore today as at £1.29 a donut they are an expensive treat which he can have but just not as often ;) Once we have cleared all our mortgages I shall treat him to a box of 10 but for now he has to suffer for the cause  :D:D:D

     So today I HIOPE I WILL:-
    1. Play on Mistplay (126 points target) - 2 points so far :)
    2. Watch videos on WeR8 - DONE one video watched for 4p :)
    3. Check and see if Wer8 payment has been received into paypal account - DONE still not received :( 
    4. Make a guardian gnome for an Etsy order and post off - made just have to wait for glue to dry before I can post off :)
    5. Reply with sizes for sticker enquiry (this lady is my pain in the bum customer) 
    6. Design more cardmaking sheets to sell
    7. Comment on in search of posts to hopefully get some more orders - DONE three posts commented on :)
    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. Renew listings on FB Marketplace
    15. Enjoy a long walk with doggo as feel I hardly see her these days - sadly rain stopped play :( 
    16. Meal plan for the week
    17. Get business accounts up to date
    18. Chase for hours I'm working next week to check and see if they fit in with kids hours as hubby away again
    19. Tidy craft room so I can find things again
    20. NSD (apart from the bed) - 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
  • craftingmad
    craftingmad Posts: 3,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 24 July 2024 at 3:13PM
    Wow I'm getting slack at posting - no wonder I don't seem to be making any progress this month :( 
    I like to hope that small progress is being made but at the minute it just does not feel like it :( 

    I'm at work at the cafe today so not much time for anything else but I shall add a small list in the hopes of actually achieving something else although I do have to stay awake to collect daughter from work at midnight so will need to find creative ways to stay awake until then :) 

    So today I will:-
    1. Play on Mistplay (126 points target) - 2 points so far :)
    2. Watch videos on WeR8 - DONE two videos watched for 10p :)
    3. Check and see if Wer8 payment has been received into paypal account - DONE £10.29 transferred into bank account :) 
    4. Make two guardian gnomes for an Etsy order and post off - DONE :) 
    5. Make a believe bee for Etsy order and post off - DONE :) 
    6. Return impulse craft buys to Amazon for refund - DONE £46.72 will be credited back soon :) 
    7. Pay in chippy wages - DONE £92 ready to transfer tomorrow :) 
    8. Get two loads of washing dry outside - one on the line and one going round in washing machine as I speak :) 
    9. Check free postcode lottery, winadinner and freemoji
    10. Complete Prime Opinion survey
    11. Renew listings on FB Marketplace
    12. Enjoy a walk with doggo - DONE early this morning before it gets too hot and will hopefully go out again this evening :) 
    13. Meal plan for rest of the week
    14. Get business accounts up to date
    15. Cafe shift - 12.45 - 17.00pm - DONE ended up being until 5.30pm :) 
    16. NSD - failed as popped into Sainsburys before picking up son and got some beef steaks, pork mince and chicken breasts reduced :) 
    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 have lots planned for today and you have already achieved so much.
    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 have lots planned for today and you have already achieved so much.
    Thank you. I think I needed that reminder 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 24 July 2024 at 3:20PM
    I'm a bit tired today. I have just finished a 5 hour shift at the cafe and it was so busy. In fact we took as much in those 5 hours as we usually do in a full busy 8 hour day. I've got to take our son to work in about 5 minutes and then pick up him and his sister at 8pm when they both finish so my day is not over  yet but at least it is not a midnight finish (which ended up being a 1.30am finish) like it was last night so I'm looking on the positive side :) 

    Hubby is also home late this evening so that will help me out for the next 6 days with all the ferrying around.

     So today I will:
      1. Play on Mistplay (126 points target) - 32 points so far :)
      2. Watch videos on WeR8 - DONE two videos watched for 10p :)
      3. Transfer £2k from low interest account to high one
      4. Make angel in my pocket for Etsy order and post off
      5. Return more impulse craft buys to Amazon for refund 
      6. Check free postcode lottery, winadinner and freemoji
      7. Post in a facebook group to see if I can get one more sale on Etsy to qualify for star seller
      8. Complete Prime Opinion survey
      9. Renew listings on FB Marketplace
      10. Enjoy a walk with doggo
      11. Meal plan for rest of the week
      12. Get business accounts up to date
      13. Cafe shift - 9.30am - 1.30pm - DONE ended up being 9.30am - 2.15pm :) 
      14. NSD
    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 July 2024 at 10:51AM
    Morning all,

    Hubby managed to get home earlier yesterday so that was a nice surprise for me  :smile:

    It is also Cafe pay day today and I got £934.16 this month (I knew I had worked lots of hours but was not expecting that much so that was a lovely surprise) so this has been straightaway added into the OP savings account for a nice little boost  :)
    I feel so much better when I see the balance going up  :D

    that's where the good news stops though as hubbys car has to have its MOT tomorrow and we know it is going to fail as it has a warning light on it when he had his airbag go off and although it has been replaced we cannot get the warning light off it and our car mechanic neighbour has also tried with his machine thingy and cannot get it to reset either so we are bracing ourselves for a large garage bill to clear the fault  :'(

    I have a shift at the cafe this afternoon but not until 1pm so I'm hoping that whilst hubby sleeps on the sofa I can get a few little bits done which will hopefully help us on our mortgage mountain hike :) 

    So today I will:-
    1. Play on Mistplay (126 points target) - 2 points so far :)
    2. Watch videos on WeR8 - DONE three videos watched for 14p :)
    3. Make angel in my pocket for Etsy order and post off - DONE :)
    4. Return impulse craft buys to Amazon for refund - DONE £15.57 credited back :) 
    5. Get two loads of washing dry outside - one on the line and one going round in washing machine - fingers crossed it doesn't rain :)  
    6. Answer enquiry from existing customer on FB - DONE now I just have to wait for them to get back to me :) 
    7. Comment on in search of posts to hopefully get a few orders - commented on one so far :)
    8. Check free postcode lottery, winadinner and freemoji
    9. Complete Prime Opinion survey
    10. Renew listings on FB Marketplace - DONE 17 listings renewed :)
    11. Enjoy a walk with doggo
    12. Meal plan for rest of the week
    13. Get business accounts up to date - DONE make very depressing reading :( 
    14. Cafe shift - 1pm - 17.00pm - DONE actually finished at 5.45pm so a little bit extra to add into wages next month :) 
    15. 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 27 July 2024 at 10:39AM
    Morning all,

    Hubby's car has been dropped off for it's MOT so we shall have to wait and see what the quote is to repair it. We are just hoping it's not too much.

    In better news though we found out officially today that our daughter has passed her teaching degree with a first class honours so we are super proud parents and planning a celebrationary meal on Sunday. Hubby has also been offered two days overtime in his new position so he will be leaving us a day early and coming back a day later but we feel it is worth it for extra cash in next months pay packet :) 

    I have a 7 hour Burger King shift ahead of me so realistically I don't think I will be able to achieve much else today but I'll add a little list and see what I might be able to cross off :) 

    So today I will:-
    1. Play on Mistplay (126 points target) - 2 points so far :)
    2. Watch videos on WeR8 - DONE four videos watched for 26p - I'm up to £2 again already :)  
    3. Comment on in search of posts to hopefully get a few orders
    4. Check free postcode lottery, winadinner and freemoji
    5. Complete Prime Opinion survey
    6. Enjoy a walk with doggo
    7. Meal plan for rest of the week
    8. Transfer £2k from one savings account to higher rate account - DONE :)
    9. Burger King Shift 12 - 7pm - DONE :)
    10. 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
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Congratulations to your daughter on her results.

    How long will hubby be away 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 
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