Project Mortgage Neutral Begins

Nearly another month without posting...ooops!

Moneywise I am feeling frustrated with the slow moving of my savings and the mortgage so I maybe need to spend some time sitting and working out what I want from them and then see if I can achieve it. Things are still progressing in the right direction though.

Still in a tough place, not sure where or how to move forward at the moment but I am starting to realise that doing nothing and hoping life will take care of decisions is not the way to resolve things.

Attempted a bit of gardening this afternoon, apart from cutting the grass and digging stuff up I really haven't got a clue. I have made a start at getting rid of the grass that is in one of the flower beds. First step is to try and work out what the different plants are and how to cut them back properly. I am determined to get the front garden under control by the end of the summer while making a slow plan for the back. I found some grass weed and feed in a shop yesterday that gets rid of moss and apparently doesn't need raking, why didn't I find this a month ago!

I love the first day of the month, so much fun seeing where I am financially from the beginning of May. The plan over the weekend is to finally decide how much of a lump sum to OP to the large mortgage, my signature below is quite exciting for mortgage vs savings. Seeing as we are now in the remortgage window it makes sense to work out what we are happy to part with, I will then do the sums to see how it will affect out payments and how soon we can be rid of both mortgages.

I have also paid a loan off for my sister today, it had a huge interest rate and the plan is for her to pay me back. She was trying to do what she thought was right at the time while trying to improve her credit rating, she was getting quite demoralised by the amount she needed to pay back over the whole time so hopefully this way it will be gone quicker. I do have the worry of actually getting it all back but this is also safer for me as I was a guarantor and as I might be getting a loan next year I don't need any stumbling blocks in my way!

Remortgage appointment booked for tomorrow, no large OP to go with it as originally planned as things are a little usettled and I would rather keep the savings in case I need them. Also going to try and haggle with $ky tomorrow then checking my SOA and making some financial plans with my own money. I seem to have taken my foot off the pedal with making my money work for me (partly down to a larger mortgage) but I want to make a real effort for the rest of the year.

Obviously spurred on by a new mortgage and a new month/having been paid I have transferred the money left in my account at the end of July into my ISA.

I am going to make a small money goal for each month for the rest of the year, something very achievable that maybe doesn't even stretch me but that keeps me focussed. Not sure what this month's one will be yet.