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Investing in Us: Holidays, Health, and the Road to £150k
Comments
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DP and I had another early night. We've both started new jobs this January, and both a step up so more workload, more hours, and more mental load. We've spent most of January in flight mode not being able to properly relax. I'm glad I started meditating again because it has helped enormously with relaxing my brain before sleep and starting a new day. I do between 10-30 minutes per meditation (so sometimes an hour a day, some days only 20 mins but all is helping). Last night we started watching a movie after our takeaway - which was delicious & a new one to us for a takeout - and we had maybe half hour left but we were both dozing. We went to bed. It was probably half nine 🙈. I slept quite soundly till around six am though which is pretty good for me, and I dozed on and off after that until half eight 😃. Poor DP was still exhausted.
I'm hoping this is all temporary exhaustion especially for him, he's desperately trying to set up a business alongside his day job which is taxing enough in itself for being a time zapper and mental overloader. He seems determined though so I'm quietly supporting without giving much, I don't have much left to give to anyone or anything.
Today we've got sainsbug shop due. Then DD is off to work. Then we'll head to the gym and sauna. I've a book to finish 😃 (new Frieda McFadden one) and I will do a bit of washing. I'm debating a few hours out at the antique centre as we just love to wander around and look at things, we're a bit sad but it's one of fave places to lose a few hours 🙈🤣. And it's warmer than being outside and we get our steps in as we're up and down stairs and across to different shops (lots in same area).
Dinner I'm guessing will be a surprise as DP did shop and meal plan 🤣. Although I know I have leftover cauliflower so I'll make that into a curry with some new potatoes and some green veg if I can find some (can't stand a curry that's all brown 🙈🤣 I know I'm weird).
I feel slightly better today about the work situation. I'm not happy about her 180° turn yesterday afternoon..she was being ignorant towards me all morning and then all of a sudden after she'd gone out with another member of staff we both work alongside she came back chatting to me and asking me for help with things. I've told that member of staff I'd put a complaint in so I think she may have had unofficial words with her perhaps? Also feel better I haven't done something wrong as whenever anyone treats me this way I spend hours and days and sleepless nights and stress at work over what did I do? What did I say? I really think in this case it's a her problem not a me one. Do not appreciate being made to feel this way for the whole time I've known her as I was really looking forward to getting to know the new person...so it will be kept entirely on a professional basis from now on which will probably make me feel bad as I'm not that sort of character but I need to preserve and protect my energy.
Anyway let's move away from that for this weekend at least ☺️. I'm going to set Dexter off in a mo I'll get him to do our room first then move him down to the middle floor and do downstairs last. I'll sweep the stairs with a brush so I don't need to drag big hoover out to do that. I'll wait for the day that they invent a slinky type hoover to fall down the stairs cleaning as it goes. 🤣
We are off to Paris in 10 days I think it is so I'm on countdown to something fun and adventurous. We are taking public transport all the way there and back...what could possibly go wrong 😅😁!
Ok off to get the shopping put away (hopefully it will turn up soon as my slot ends in twenty minutes and it's not here yet).
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/248 -
Checked my mortgage this morning - I usually do it on the 2nd or 3rd after OP and usual payment has gone out. But I forgot so anyway, mortgage stands at just below £160k now - it's £159, 862 today! On the way to getting to £150k
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/247 -
fantastic news on the mortgage.
Love 🐞
Declutter 1352/ 2026
£145.56 saved by growing and eating my own 2026
books read 7 in 2026
£230 🥳 funpot
🐞change pot £52.536 -
I hope you have a lovely relaxing weekend and can put work aside for a few days. Mortgage looking good. Only 10 days until Paris, how exciting
Me, DD1 20, DS 18, DD2 15, Debt Free 04/18, Single Mum since 11/195 -
Had a lovely few hours wandering around antique shops it was raining so I'm glad we didn't opt for the lake walk instead. I bought a couple of little things nothing exciting really but one thing I'd been looking for and one thing I collect only £40 spent and only £20 from my pocket money and £20 from the grocery fund as one item was for the kitchen. Time for a herbal tea and my book now 🙂👌🏻.
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/245 -
That sounds like just the kind of day out you needed 😊 Enjoy your tea and book 📖
KK
As at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 35 books of target 52 in 2026 as @ 24th May.
Produce tracker: £119 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Book is finished 😃. That's three books this year so far, I'm half way through another too but it's a non fiction travel one and I'm struggling a bit with it.
Dex has been threatening to throw himself off cliffs all day (aka the stairs) 🤦🏻♀️ thankfully downstairs was a bit easier as no cliffs to worry about. He also ate a sock and got stuck behind a door 🤣 I think he's more entertaining than efficient, meh 😅 the floor is clean though. It's only taken all day 😅.
DW has been on, washing is done and eventually the hoovering. House is clean and tidy so no more housework to do this weekend. I'm going to make a curry this evening and think I should get a fair few portions out of it as we had lots of veg that needed using up. 🙂
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/2410 -
Morning all, lazy morning here which is nice. I wish the weather were warmer I'd love to get out in the garden. I can't bare the cold weather out there though and I know from experience I'll last about half hour and will take three hours to warm up after 😆 so I don't bother. Today we will go to the gym with DD, she looked exhausted bless her and really needs her half term. We'll get her some lazy foods in for her when we're away. Pastas and pizza probably as I know she'll eat those okay. Anything that's more effort and she's likely to reach for just eat and order rubbish every night.
I'd love a nice quiet week ahead with little spends so we aren't on a back foot when we get to our mini break away. And I'm looking forward to pay days this month as we'll hopefully have two new wages to budget with so we can get going on our goals 😃... focusing on positives!
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/245 -
Oh and I finished book four yesterday evening! It was a short story and only took an hour to read. It felt rushed and wasn't the best but it was okay and I made it to the end of it. Unlike the travel book that still sits half unread next to my bed 😆.
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/246 -
Hey @debtfreewannabe321, well done on the mortgage. Paris sounds amazing. Are you taking the Eurostar or Coach. Have done both, Flixbus is actually really good.
Congrats on the work feedback and at least there is an end date in sight for pesky person! You are doing well on the books. Am going slow on my current read.
2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £98,655.10/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%
2). #47 Save 1p a day challenge 2026 £96.47/£780
3). £2,763.96/£3000.00 - Investment ISA
4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026
5). £252.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED2
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