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

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  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    In your shoes, I would put in a formal complaint with NatWest if your cards doesn't arrive in the specified time frame. Whether the card arrived or not I would switch to a different banking provider.
    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 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    You work so hard , very impressive! Keep cool where you can 
    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
  • craftingmad
    craftingmad Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    In your shoes, I would put in a formal complaint with NatWest if your cards doesn't arrive in the specified time frame. Whether the card arrived or not I would switch to a different banking provider.
    Thanks Baileys - I finally have received the cards but I will certainly think about switching - especially as it might add some more money to my OP pot :) 
    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
    You work so hard , very impressive! Keep cool where you can 
    Thank you so much 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
    edited 5 August 2024 at 9:17AM
    It's been a busy few days with work for me the last few days so sorry for the lack of posts.
    I actually have a day off today and so does our son so we are going to go to a film festival together.

    Big news is that he has passed his driving test first time so that will really help me as he will be able to take himself to and from work on the days which are hard for me and he has even promised to pick his sister up sometimes too so that is a huge responsibility lifted from my shoulders :) 

    The bad news is that his insurance is nearly £1000 a year but luckily hubby was owed some overtime which was missed out of last months pay packet so that has covered that and we were able to transfer another £2k into the savings account without leaving us short this month so good progress made already for August :)  I'll post a monthly update for July when I can finally get hold of the mortgage company to check the balance. Apparently since transferring the platform mortgage to Co-op they now don't work weekends - lucky them ;)

    I have also opened a different savings account as the first one I opened to replace the Santander one were dragging their heals and the interest rate dropped so I have managed to instantly open a Virgin one (thanks to MSE newsletter) and get a higher rate of interest as well so I've transferred over £20k today (my daily limit) and will do the same tomorrow and Tuesday so that the savings post will be earning the higher rate asap :) 

    I'm not planning on doing lots to climb our mountain today - I am just looking forward to having a rest but I will try and get a couple of bits done so:-

    today I will:-
    1. Play on Mistplay (50 points target) - DONE 99 points today :) 
    2. Watch videos on WeR8 - No videos available :(
    3. Design birthday ticket for weekend away for customer
    4. Comment on in search of posts to hopefully get a few orders
    5. Check freepostcode lottery
    6. Complete Prime Opinion survey
    7. Enjoy a walk with doggo - DONE had a lovely walk around our village this morning :)
    8. Meal plan for this week
    9. Transfer £20k from one savings account to higher rate account - DONE :)
    10. Pay in chippy wages and transfer into savings account - DONE £57.50 added into the pot today :)
    11. Post in a facebook group to try and drum up more sales
    12. Enjoy my day off - DONE really enjoyed the film festival and spending some quality time with son :)
    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
    Congrats to DS! 🥳
    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
    Jessy103 said:
    Congrats to DS! 🥳
    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: 3,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 5 August 2024 at 5:17PM
    Good morning,

    The sun is shining and after my lovely day yesterday I am ready to face this new week head on and feeling very motivated to add some cash into the pot :) 

    I have a two and an half hour cafe shift today and then will be taking and collecting daughter from work later today (she doesnt finish until midnight so it's a late one for me) :( 

    As I don't have much actually work to go off and do, I am hoping to work on my cardmaking download business idea today as this will make a great (almost) passive income stream for me if it takes off. That's the plan anyway but as we all know very rarely do my plans become a reality! ;) 

    So today I WILL:-
    1. Play on Mistplay (50 points target) - DONE 66 points earned today :)
    2. Watch videos on WeR8 - still no videos available :(
    3. Design birthday ticket for weekend away for customer - completed as much as I can but waiting on final details from customer :)
    4. Print stickers for Etsy order and post off - DONE ready to post off on way to take to kids to work to save petrol :)
    5. Raise claim with Royal Mail for missing order - DONE fingers crossed they refund me the £7.05 I am out of pocket :) 
    6. Update spreadsheet with mortgage amounts - currently been on hold for 40 mins - may run out of time before I need to leave for work :( 
    7. Comment on in search of posts to hopefully get a few orders
    8. Check freepostcode lottery -- DONE not a winner :( 
    9. Complete Prime Opinion survey
    10. Enjoy a walk with doggo
    11. Meal plan for this week
    12. Transfer £20k from one savings account to higher rate account - DONE :)
    13. Write and schedule posts for FB page to make myself more visable - DONE written and scheduled posts for all this week :) 
    14. Post in a facebook group to try and drum up more sales
    15. Take a course from one of my memberships
    16. Design three new card making sheets for membership idea
    17. Cafe shift (12pm - 2.30pm) - DONE was actually 12pm - 2.45pm :)
    18. NSD - FAILED as stopped off on way back from taking kids and picked up more chicken for the dog :( 
    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 6 August 2024 at 7:21PM
    Good morning :)

    I was only meant to be working 4 and a half hours today but it has now turned into a 9 hour shift so although it means I will have less time to achieve much I will be getting extra money in the pot at the end of this month so it's all good :) I think all my jobs will come to an end by the middle of October at the very latest so I may as well grab as many hours as I can until, then :) 

    I'm also a bit nervous as it means son has to drive by himself for the very first time today - he is a great little driver but it does not stop me worrying. I will feel much happier when we are all back home together this evening :) 

    I didn't manage to update my spreadsheet yesterday as after spending just over an hour on the phone to the mortgage company to find an up to date balance I had to admit defeat, hang up and go to work :(

    So today I hope I will find time to:-
    1. Play on Mistplay (50 points target) - 22 points earnt so far :) 
    2. Watch videos on WeR8 - DONE 4 videos watched for a total of 24p :)
    3. Make changes to birthday ticket for customer - DONE :) 
    4. Post off sticker sheet for Etsy order
    5. Update spreadsheet with mortgage amounts
    6. Comment on in search of posts to hopefully get a few orders
    7. Check freepostcode lottery
    8. Complete Prime Opinion survey
    9. Enjoy a walk with doggo - DONE :) 
    10. Meal plan for this week
    11. Transfer remaining £18k from one savings account to higher rate account - DONE :) 
    12. Transfer Etsy earnings into savings account - DONE £32.56 added into the account. Not much but at least it is something :) 
    13. Post in a facebook group to try and drum up more sales
    14. Take a course from one of my memberships
    15. Design three new card making sheets for membership idea
    16. Cafe shift (9am - 6pm) - DONE ended up finishing at 5pm as really not busy so got cleaned up quickly :)
    17. 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 7 August 2024 at 6:24PM
    Morning all,

    The sun is shining and it's a beautiful day here on the Norfolk Broads :) 

    I have work later and I'm going to take both the kids into work today so son does not have to pay for parking but other than that I think I'm going to try and have an easy-ish day as I feel shattered today for some reason.

     So today I might:-
    1. Play on Mistplay (50 points target) - DONE 92 points earnt :)  
    2. Watch videos on WeR8 - no videos available :(
    3. Email over birthday ticket for customer and print and post off original - DONE :)
    4. Post off sticker sheet for Etsy order - FINALLY DONE :)
    5. Update spreadsheet with mortgage amounts - DONE finally got through to mortgage company :)
    6. Phone optitions about glasses as certain they are not varifocals like I paid for - DONE going to pop in tomorrow and get them double checked :) 
    7. Comment on in search of posts to hopefully get a few orders - DONE commented on two :) 
    8. Check freepostcode lottery - DONE not a winner :( 
    9. Complete Prime Opinion survey - DONE 102 points from 6 surveys :) 
    10. Enjoy a walk with doggo
    11. Meal plan for this week - DONE have included a meal out to celebrate driving test result on Sunday :) 
    12. Post in a facebook group to try and drum up more sales
    13. Take a course from one of my memberships
    14. Design three new card making sheets for membership idea
    15. Cafe shift (12.30 - 5.30pm) - DONE :) 
    16. 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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