A Dream Worth Dreaming?

savingholmes

Good luck 🍀 on your journey. Huge congratulations 🎉 on your mortgage reduction to date. Building a decent EF is a good call. I personally would want to take it slower and enjoy the journey more.

If you check out FI podcasts they often report feeling flat after achieving their goals as they had been so laser focused. It is important to create hobbies and a vision of 'after' along the way.

Watty1

I initially worked 7 days a week but I'm self employed so whilst i worked every day I would take time off in the day to walk my dog and ride my horses and so.  For me personally 7 days a week working for someone else would be hard as they would expect me there between certain times leaving my only down time to be evenings. I would struggle with that - but - that is me personally and may not be so for you.

Nice to see the diary - mine helped me look at my life overall not just the figure on the mortgage.

fjireland

savingholmes said:

Good luck 🍀 on your journey. Huge congratulations 🎉 on your mortgage reduction to date. Building a decent EF is a good call. I personally would want to take it slower and enjoy the journey more.

If you check out FI podcasts they often report feeling flat after achieving their goals as they had been so laser focused. It is important to create hobbies and a vision of 'after' along the way.

Thank you for the encouragement 😊

I have made peace over Christmas that December 2028 it doesn’t need to be… I think it will be 2030 now and that has taken pressure off truly 

Being on here has really helped me rebound from the burn out/ going flat after hitting previous goals… Will look into those podcasts too to hear other people’s experiences and advice during long drives too 😊 thank you 

fjireland

Watty1 said:

I initially worked 7 days a week but I'm self employed so whilst i worked every day I would take time off in the day to walk my dog and ride my horses and so.  For me personally 7 days a week working for someone else would be hard as they would expect me there between certain times leaving my only down time to be evenings. I would struggle with that - but - that is me personally and may not be so for you.

Nice to see the diary - mine helped me look at my life overall not just the figure on the mortgage.

No you are right …. 7 days is not sustainable … I’m def scaling back this year to one weekend day, even half day 

This year I need to rebalance … you are right, life is more than the figure on the mortgage or it will pass me by 

Watty1

Good call.    Maybe have fun on half a day just to make a distinction between work and play

savingholmes

Good luck with your plans - I will PM you some details of podcasts I like

LadyWithAPlan

I think you have done so well and at least now you can breathe a little and take some time for a better work/life balance. I am also a London buyer - my mortgage will probably be £300k+ so I am sure when I pull that plug I also will be working extra just to get the monthly payments down a bit
Enjoy having some time to enjoy your life..

fjireland

LadyWithAPlan said:

I think you have done so well and at least now you can breathe a little and take some time for a better work/life balance. I am also a London buyer - my mortgage will probably be £300k+ so I am sure when I pull that plug I also will be working extra just to get the monthly payments down a bit
Enjoy having some time to enjoy your life..

Thank you ☺️ 

Good luck to you too… London property prices are challenging … but it’s all doable I’ve learnt…

before 2017, I thought I’d never own my own place… then when I squeezed through the mortgage/help to buy thresholds, I thought I would never make a real dent on the mortgage and it felt overwhelming 

Determination is key … good luck with your journey too 😊

debtfreewannabe321

Hi there, I had a read through your new diary, I think you're doing an amazing job paying down the mortgage so quickly on your own. I also think it's a good plan to get a good work - life balance as it can't be sustainable to work 7 days a week without burning out at some point. 

badmemory

Haven't you done well!  Especially getting rid of the help to buy.  I never did like them as it always seemed to me that if you could afford the rent then you could afford the extra mortgage.  I agree that working 7 days a week is unsustainable.  Depending on your mortgage rate you may do better putting the money into savings, which will serve a combined purpose as an EF or a lump sum payment off your mortgage.