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The impossible dream

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
501 replies 55.3K views
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  • TallGirlTallGirl Forumite
    4.6K posts
    Part of the Furniture 1,000 Posts Mortgage-free Glee!
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    Congrats on the campervan has it got a name yet? I’m glad you took the plunge life is for living what else have we got. I’m sure it will pay for itself in saved hotel bills �� and gets lots of use.
  • jodles16jodles16 Forumite
    1.5K posts
    Car Insurance Carver!
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    Hi there Tallulah!


    I have read your diary, and want you to know that you are not failing in anyway shape or form! I look at this as a journey, it twists and turns, and we change priorities, life throws us curveballs and we adapt!


    This is a diary of adaptation, you are doing a wonderful job and have made sure you are getting the good stuff from life, paying off the mortgage is important, but so is holidaying, adventuring, riding your motorbike and living for the now too!


    I hope you can catch a break, things have been really tough for you during this diary and you deserve a chance to enjoy yourself!


    Jodles :D
    MFW2020 #115 250/3000 J-250
    1% challenge- /1525
    Save 1k in 2020- /3000

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
  • MoneyfordreamsMoneyfordreams Forumite
    1.9K posts
    Fifth Anniversary 1,000 Posts
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    I love the idea of a camper van , however being in a confined space with my husband for long periods time would be the best plan :D
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • edited 25 April 2019 at 9:14PM
    TahlullahTahlullah Forumite
    1.1K posts
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    edited 25 April 2019 at 9:14PM
    Hello TG, Jodles16 and Moneyfordreams. Thank you all so much for the kind words and support. It really is appreciated. Sometimes, we can believe that nothing we do is right, that we make a mess of the simplest things. To have wonderful people like you stand back and be objective and give your opinion that all is not lost, is so full of kindness. It allows me to persevere. Thank you all again.

    TG, no, the campervan does not have a name yet. I hadn't even considered naming it. If I did, it would have to be something like 'The Campervan'. I am not very imaginative - although who names a 'piggybank' Ermintrude?

    I hope it does get a lot of use, but if not, then no-one can say I did not try. I made the effort to reach for the stars, to follow my dreams. I will always be able to say 'I did that'.

    Thank you Jodles. Just thank you.

    Money for dreams, perhaps the fun of close proximity could come from the effort of getting him to do everything whilst you rest and take in the scenery. He could be tasked with emptying the toilet and filling the water carrier etc. Always useful to have round. The close proximity may be a reasonable trade-off.

    Time to update my details. So depressing when you see it written down. More depressing when you translate the number of payments into the number of years still to work. But, should still finish paying it off before my 60th.

    All positive!
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    Owed at the end of -
    02/19 - £78,400. 04/19 - £85,000. 05/19 - £83,300. 06/19 - £78,900.
    07/19 - £77,500. 08/19 - £76,000.
  • glass_half_fullglass_half_full Forumite
    440 posts
    Fourth Anniversary 100 Posts Debt-free and Proud!
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    Looking forward to hearing about your adventures in the camper van! :beer:
    Mortgage now - £55,500 I MFW #55 £2760/£6400
  • MoneyfordreamsMoneyfordreams Forumite
    1.9K posts
    Fifth Anniversary 1,000 Posts
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    Think that's a typo... I wouldn't want to be in a confined space with my OH... not for long anyway :rotfl:
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • TahlullahTahlullah Forumite
    1.1K posts
    ✭✭✭
    So, the camper van, which was well proportioned is costing a lot of money. No heater, so had to buy one of those! The lights were the type that would drain the battery in minutes so had to replace those. No bathroom basin, so had to buy one of those. The toilet didn't work so having to get that fixed. Then you add the little things to make life comfortable like a low powered microwave, a clock, a small drainer for washing up... the list is endless. But luckily, I am the ebay queen, so most everything bought extremely cheaply or second hand.

    On top of that, my car is due a service. Rang a dealer to get a price and nearly fell of my chair. I am not paying that price so will have to find a local garage that specialised in LR's. What a rip off! Oh well, can't be helped. I was reading another thread on this site about a week ago where other posters were being horrible to someone about their choice of car. Well, I have the same car and decided not to post because I couldn't be bothered to receive the barrage of abuse due to others judgementalism. However, the car is great, even if I can't afford to get it serviced at the dealers.

    Other expenses include the fishes. Rufus is thriving down here, but my goldfish are not. Since I had the water softener fitted, the fish are having a really bad time. One of them (odd that!) is going black. I have tried treating the water he is in to help him recover, but it's taking time. It would appear that softened water isn't good for them, so now I have to get in the plumber to ensure that I have one tap that gives unsoftened water so I can change the goldfish!

    One day, my life will be calm and settle down. I will be stress free. I will have a job I enjoy that doesn't make me sad. I will have family who I can visit on a regular basis and I will get to see friends who care. One day.
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    Owed at the end of -
    02/19 - £78,400. 04/19 - £85,000. 05/19 - £83,300. 06/19 - £78,900.
    07/19 - £77,500. 08/19 - £76,000.
  • TallGirlTallGirl Forumite
    4.6K posts
    Part of the Furniture 1,000 Posts Mortgage-free Glee!
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    That annoying about the Camper but you've got it cheap on EBay and it will make it so much more enjoyable to use so I thinks it's essential expenditure. Glad Rufus is ok but shame about the fish makes sense if you have one non filtered tap or would the outdoor tap be filtered?

    Not good you don't enjoy your job it makes you stressed and sad. Do you have colleagues you have talk about the work they might feel the same which makes it slightly better if o can support each other. I really value my team and I learn so much from them. They actually continue to impress me the way they deal with all the sad work. Anyway I'm sure you'll find a way.

    Now get out there and enjoy the weekend.
  • MoneyfordreamsMoneyfordreams Forumite
    1.9K posts
    Fifth Anniversary 1,000 Posts
    ✭✭✭
    Thanks heavens for ebay :D
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • edited 25 June 2019 at 11:58PM
    TahlullahTahlullah Forumite
    1.1K posts
    ✭✭✭
    edited 25 June 2019 at 11:58PM
    It's the end of the month and my MSE ways have gone straight out of the window. Everything is costing a lot of money and it is all my responsibility. I am spending on things that I don't need but want. However, it is all within budget. If I was concentrating on becoming mortgage free, I could make a serious dent in the monies owed. Instead, I seem to be in the 'make hay whilst the sun shines' mentality and just enjoying life whilst I can for a short period.

    I have managed to make a small dent in the overall mortgage and so will hopefully still be on track to pay everything off within 85 payments, or 7 years. I will be starting June 2019 owing £83,300 so I am clearly paying a bit more than anticipated. I should be starting January 2020 owing £77,000. Anything less than that is an added Brucie Bonus, which brings my mortgage free date closer than the predicted 7 years.

    I am still doing my bit to save money, although not as diligently as I should be. So, I have decided that June is to be the month where I spend as little as possible. I intend to not spend any money that is not budgeted to pay for something specific, such as bills or fuel costs etc.

    I have a birthday coming up but I have some Argos vouchers that will cover it. I have already done the monthly shop for June and so will only need to do small top-ups when necessary.

    So, my aim is to begin July 2019 owing £82,000 or less. Hopefully the small steps will help me get my mojo back.
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    Owed at the end of -
    02/19 - £78,400. 04/19 - £85,000. 05/19 - £83,300. 06/19 - £78,900.
    07/19 - £77,500. 08/19 - £76,000.
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