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Steadily climbing the mountain, enjoying the view along the way
Comments
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Sorry to hear about your work situation 😕 (I do sympathise, we're facing similar, although not quite the same, right now 😬). I quite agree investing in yourself is sensible, and retaining sanity at all costs is good. I've always found counselling a wise investment for everyone's sake (you might know we're having joint counselling at the minute - also an excellent investment all round!) Take care of yourself x
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As you know from my diary investing in myself both physically and mentally has become a bit of a focus. A move away from "building the savings pots" but there is little point in being MF / having savings and not being well enough to enjoy that.
Some wise MSE person once told me that the whole point of the MF thread was to spend mindfully when we do and spending on self is definitely that
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!5 -
Thanks MB, I will see how I get on.
Thanks @Cheery_Daff, it will be interesting to see what I make of the counsellor and his approach.
I hope you are finding your counselling helpful.I think you are one of many people around me beating a path ahead of me on this, for which, thank you x
Car MOT and service today. £384! 😳 Apparently it needed a new offside front lower suspension arm and wheel alignment.I did manage to get out for a brief walk at lunchtime today 😊
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.7 -
Oh well at least the car is all safe and hopefully that’s the last you will have to pay for a while.
It’s lovely to see the blossoms appearing on the trees.Mortgage OP 2026 £1940/2000Mortgage balance: £29,366
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £52 -
To be fair, I said similar to Mr KK over dinner - we don’t want the wheel falling off just before we go to France! 😂
The wild cherry I saw today was beautiful - had a very slight hint of pink at the base of the petals and they smelt of cherry. 🍒
£5.01 of survey monies received and sent off as an OP 😊
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.6 -
Aaaaand I have finished for a week’s holiday …. <happy sigh>
Just had my first counselling session. Boy did we get into it ….! 😳 I’m having some worksheets sent over to think through, but I have already realised something about how I live now that is a direct flow through from my childhood … A good start.
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.10 -
It is quite scary how things from your childhood can still keep affecting you. I am 80 now & the odd things still keep turning up. I didn't even realise how much I had been manipulated throughout my life until I was in my 50s. I just took it all for granted.
4 -
Happy holidays to you.
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]2 -
Happy holidays to you - I hope you have a lovely week
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
I have realised today that I wasn’t ever really allowed to be a child, because that was noisy, annoying and disruptive for my parents. So I am kind of ‘muted’. That’s probably why I struggle to feel or allow myself joy much of the time …
Thanks @beanielou, @redofromstart 😊 It feels very good … 🤩
Rehab done - in some ways, not as good as last week, but I am doing it sooner after the physio session than last week, so maybe that’s why.
Steps very low, so have just done a 2K session with lovely Rick whilst Mr KK is having tinker time in the garage 😊
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.7
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