Excited to try and be mortgage free

hiddenshadow · 10 September 2016 at 10:10PM

Yay mortgage neutral! Very exciting. At least you can savour the feeling and build up excitement for making the big OP next year.

chumpy45 · 12 September 2016 at 9:47PM

Thanks HiddenShadow and MFD - it's certainly a good feeling knowing the money is there, even if we can't get out hands on it !

First full day back teaching today - feeling absolutely shattered tonight. Had a mad start to the day which included an unscheduled drop off at the train station. This made me forget my lunch which meant I had to pay £2.10 for soup and a roll. I can't tell how you annoyed I was. How things change. I wouldn't have battered an eyelid before the start of this MF journey, now I am ranting over an unnecessary £2 spend :rotfl: As the advert of a certain supermarket tells us "every little helps"

Pearla*Merle · 13 September 2016 at 9:31AM

Well done on the mortgage neutrality :T :T

:rotfl: on the £2 spend. I had to buy a bottle of water the other day - painful!

chumpy45 · 13 September 2016 at 9:15PM

Thanks PM, creeping ever closer to the goal :T Remembered my lunch today so didn't have to rant this pm.

Transferred some money from savings pot to settle rather large CC bill. Was a planned spend on the card as needed to sort out DS3 with all his bits and pieces for Uni, but still a little bit :eek: as I pressed the "send" button. Whilst I don't begrudge DS3 a penny that we have spent, I can't help thinking how much interest it would have saved me as an OP :rotfl:

DS3 off on Sunday

Will miss him loads as he has just finished a gap year and has been around most of the time. Note to self, buy an extra pack of tissues

it's going to be an emotional weekend.

chumpy45 · 23 September 2016 at 3:36PM

Oops MIA for a few days. Well a roller coaster here as DS3 went off to Uni. A very emotional day as he was very nervous and unfortunately, almost a week later, is not enjoying it at all. We are doing our best to encourage and support him, but it is very, very hard. Hopefully things will pick up for him soon and he will find some mates. Seems to have been an expensive and very long month. However, have managed to make a £500 OP today as there was little bit of surplus, together with some TCB and TTs. Amazing how it adds up. Have stepped up the meal planning to try and optimise food spends/waste, so will see how it goes. Midway through an energy switch to Sainsbobs energy so hopefully it will carry on smoothly. Beautiful day today, washing on the line and have just cleaned the windows on the inside. Don't know what came over me :rotfl: Happy Friday everyone.

greent · 23 September 2016 at 6:29PM

Ahhhh - that's hard for you hearing DS3 has not settled yet

Is he in halls? - what about his flatmates? Am guessing he's had freshers stuff on this week?

Expensive month here with uni stuff - and car mot & service

x

chumpy45 · 24 September 2016 at 10:13AM

Thanks Greent, it has been such a difficult week for all of us. He is in halls and went off excitedly with his freshers ticket, but his flatmates just aren't very interested in attending any of the events. He went with one other chap to the floor above to say hello, and they actually said to him that they were happy just being in their flat and didn't want to bother with other people. DS3 is quite anxious and a little lacking in confidence but is really trying to mix and integrate, but that really knocked him back. Maternal instincts kicked in big time and I wanted to go and knock their blocks off but I know he has to get through it. Will hopefully pick up next week when lectures start. Just feel so sorry for him. Hey ho, onwards and upwards!

Secret_Saving_Squirrel · 24 September 2016 at 6:35PM

Well done on the mortgage neutrality! I think a lot of students find fresher so week hard. I am sure he will find like minded friends when lectures begin.

greent · 25 September 2016 at 1:02PM

Ahhhh

- as Squirrel said, hopefully it will be better once lectures start and he finds more people to mix with x

chumpy45 · 26 September 2016 at 9:20PM

Thanks so much SSS and GreenT for your lovely supportive comments. I am sure it will get easier for him, it's just hard knowing they are unhappy!:(

Went with DS1 for a quick drink in a local pub tonight as we were waiting for DS3's piano lesson to finish. Almost £5 for two cokes :eek: At the risk of sounding like my mum, what a crazy price. Made me even more certain than ever that we are following the right path aiming to be MF and to be watching the pennies to achieve it. Even though I know it's important to live a little along the way, and I did have a lovely time with DS1 who will also be back to Uni at the weekend, I still can't get over the price :rotfl:

Excited to try and be mortgage free

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