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CrazyBee wants to be Mortgage Free!

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  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well I am all ready to go and apparently nowhere to go to!! I have been called by the boss to say to not come in today, I knew it, the world did not want me to start today, first the weather then the back, then the oven now the weather again. I was actually going to go in with all these elements at play now I won't, the world did not want me to go in today.

    So now project for the day, is to do plenty of back exercises and to keep moving throughout, I will put together a list of things to do (chores) that could be attended to today. I will eat my packed lunch later and prepare another for tomorrow! Mission get work ready, sort back out and get the place back in tip top shape.

    To do:-

    1) Back exercises - look up some new ones too.

    2) Wash up

    3) Back exercises

    4) Hoover

    5) Back exercises.

    6) Look over flat and search for things to do.

    7) Do Bins

    8) Rest and relax.
    Did boss say not to go in because of the weather? If so that’s very thoughtful of them 😊
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • CrazyBee787
    CrazyBee787 Posts: 916 Forumite
    500 Posts Name Dropper Photogenic
    MFWannabe said:
    Well I am all ready to go and apparently nowhere to go to!! I have been called by the boss to say to not come in today, I knew it, the world did not want me to start today, first the weather then the back, then the oven now the weather again. I was actually going to go in with all these elements at play now I won't, the world did not want me to go in today.

    So now project for the day, is to do plenty of back exercises and to keep moving throughout, I will put together a list of things to do (chores) that could be attended to today. I will eat my packed lunch later and prepare another for tomorrow! Mission get work ready, sort back out and get the place back in tip top shape.

    To do:-

    1) Back exercises - look up some new ones too.

    2) Wash up

    3) Back exercises

    4) Hoover

    5) Back exercises.

    6) Look over flat and search for things to do.

    7) Do Bins

    8) Rest and relax.
    Did boss say not to go in because of the weather? If so that’s very thoughtful of them 😊
    He said that both he and another colleague had floods on route and therefore please can I come in tomorrow at 11am. So it was the weather but not generally for me. Still it is a Brucie Bonus day that I can get things done that I hadn't the time or capacity yesterday, also I have now done three lots of back exercises and feeling a bit better. Yo Yo!

  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    How lovely that he called you though 😊 
    Nice bonus day 👌
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • CrazyBee787
    CrazyBee787 Posts: 916 Forumite
    500 Posts Name Dropper Photogenic
    MFWannabe said:
    How lovely that he called you though 😊 
    Nice bonus day 👌
    Yes it is nice of them, I think I may have landed, we will seeXX
  • CrazyBee787
    CrazyBee787 Posts: 916 Forumite
    500 Posts Name Dropper Photogenic
    edited 7 January at 10:20AM
    I have just finished reading a very successful mortgage free diary, they have about £20K left to go after a few years of chipping away from £70K, I am very impressed, I have also read some other stuff. All in all it has made me want to change my approach, My new theory is to save an EF Circa £6K and just lock it away, keep some money in the bank as a sort of buffer something like £3K then forget getting kitchen and floor done and just go mad at the mortgage...this is providing I have a job for the long term or I get a new job straight away when the contract comes to an end, I guess there is never 100% security. Also I had a man view the room tonight, he will let me know tomorrow sometime. That would be a welcome £1200-2000 in the EF Pot - as he is a temporary stay, unsure of amount of time he will be here for - he said 3-5 months. I felt extrememly nervous around him and I think he was nervous, we are a right pair! I may have put him off we will see. ... sometime later... he isn't coming.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,382 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    There is many other potential lodgers out there! Keep trying, you'll find one eventually that you just click with and both get along fine. 
    I think that's a great idea to lock away an EF I should do this too. I have mine far too easily accessible. 
    I'm also feeling the same about some DIY jobs in our house and thinking I'd rather use that money for other things...
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,578 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you got on well today. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    How did your first day go? 
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • CrazyBee787
    CrazyBee787 Posts: 916 Forumite
    500 Posts Name Dropper Photogenic
    edited 7 January at 7:46PM
    beanielou said:
    Hope you got on well today. 
    MFWannabe said:
    How did your first day go? 


     Hi Beanielou and MFwannabe, it has been good thank you, and there is a hint that it could go permenant but all has not been revealed. Let me explain, one of the perm staff are leaving and it is my area of expertise, therefore I am going to be taking on her role, however they haven't said I am perm yet, but it is looking that way. So I am very much excited about the opportunity, they said they would pack more into my training etc. so fingers crossed anyhow it was a good day and a beautiful location and I really had a good feel day. 

    My back pain is still playing up but it is manageable, so that is something. I heard about a couple of refunds today I bought a watch on De.benhams (I should know better), it didn't arrive until it was too late, and they are not refunding me 100% of the money after returning it talk about piXX take! literally 80% has not come back to me it is the worse shopping experience of my life, it is kind of putting a kill joy on the day. I am checking with CC provider tomorrow to see what my rights are but I am sure this is not right. I feel like I have been robbed.

    I hope you had a better dayXX
  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That’s great news about first day and potential for permanent 👏👏😁

    What is there reason for only refunding 20% of the purchase? 
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

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