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    • ElmoR
    • By ElmoR 31st Dec 18, 9:58 AM
    • 90Posts
    • 312Thanks
    ElmoR
    Staying on track to be MF and ready to support my daughter at 18
    • #1
    • 31st Dec 18, 9:58 AM
    Staying on track to be MF and ready to support my daughter at 18 31st Dec 18 at 9:58 AM
    I've been an occasional lurker here, taking inspiration from everyone's successes against their struggles to pay off debts and mortgages. My circumstances changed for the worst financially in 2014 and it needed a complete overhaul. I decided a long time ago though that I wanted to be MF by the time my daughter became 18 so that I could help her financially in whatever route she decided to take after school. For me, loans etc have always been the 'never never' and I would not have gone to university if it involved loans or fees, luckily I snuck through before the grant system was dismantled. I don't want my daughter to feel weighed down by those debts should she decide to go to uni. I want to be able to help her.


    My mortgage was 110k originally in 2010, I was able to pay a big chunk off after divorce bringing it down considerably but, at the same time, the dual incomes towards the household bills obviously dropped dramatically too. I still made overpayments every month by living carefully, but not as frugally, as I could have maybe. Now I have 9 years left on my mortgage of 40k.



    So now it's the last stage. My daughter is 18 in 3 years time and I've used the mortgage overpayment calculator to work out how much to pay each month to be MF in that time...it'll be tight but will be worth it, I know
Page 5
    • A Frayed Knot
    • By A Frayed Knot 4th Jun 19, 8:25 PM
    • 2,898 Posts
    • 12,890 Thanks
    A Frayed Knot
    Omg - you "sound" so much worse than me, at least I'm not confined to bed. Hope you are not in too much pain.

    Shame you missed the wedding, but at least all the photos are there to see.

    Don't worry about work, easy for me to say, as I too worry about work, but then again, they should have full staff quota - I wouldn't then feel so bad.

    Take it easy.

    ps At least Cheery is still talking to you
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    MF March 2030Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • ElmoR
    • By ElmoR 8th Jun 19, 10:21 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Thanks Cheery and AFK


    This is the longest I've been away from work other than for Maternity Leave and it's been difficult to relax into it. Not sure I could even dictate sensible email replies with these drugs. Any marking would probably result in 100+% being awarded.


    Very good for NSDs and batch cooking/eating my own food/coffee



    Just need to resist the temptation of internet shopping


    The trip to A&E, a short stay on a ward, and having an injury has changed my world view somewhat too. Priorities are crystal clear now.

    Have to say that the NHS, and it's staff, are utterly fantastic. If any of you MFWers are staff, a big thank you from me!

    ElmoR
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • Cheery Daff
    • By Cheery Daff 8th Jun 19, 10:55 AM
    • 8,802 Posts
    • 45,247 Thanks
    Cheery Daff
    Good to hear you have sorted your priorities at least Enforced rest is never easy - but you're not going to get any better fretting... You look after yourself x
    • A Frayed Knot
    • By A Frayed Knot 8th Jun 19, 9:41 PM
    • 2,898 Posts
    • 12,890 Thanks
    A Frayed Knot
    Your health is your wealth.

    A big thanks for your big thank you
    Last edited by A Frayed Knot; 09-06-2019 at 12:23 AM.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    MF March 2030Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • ElmoR
    • By ElmoR 15th Jun 19, 10:04 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Another week passed, all NSD's but I think being virtually housebound is cheating.
    I did get into the garden to pull out a few weeds, so can walk (well, limp) and bend (gently) now. My frozen leg is slowly defrosting at last.

    Need to get out of the blue fog that seems to have its grip on me though. More weeding and sunlight exposure should help this week hopefully. Have cut down on the stronger medications now too.

    I'm enjoying having more time to read everyone's diaries
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • debtfreeoneday
    • By debtfreeoneday 17th Jun 19, 11:02 AM
    • 3,040 Posts
    • 10,506 Thanks
    debtfreeoneday
    Visiting for the first time and so sorry to hear of you not being 100%, hope things are getting better little by little.

    Will subscribe to keep up!
    DFW (08/08) 64,346.53 Gone for good (02/19)
    MFW (01/15) 79,985.38
    • ElmoR
    • By ElmoR 22nd Jun 19, 9:18 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Good to meet you Debtfreeoneday
    Doing much better this week . Took my last pill (hopefully) yesterday and not in much pain now, just some dull aches occasionally. Walking well. Stairs are still a bit of a challenge, but getting easier gradually.
    I did like AFK's take on this - "your health is your wealth" - and I'm going to try to turn things around after this wake up call.


    No surprises, another NSD week while recovering at home still. Amazingly, still avoiding the lure of internet shopping. Though I did book a week summer holiday for end of July (pay at check in though). We are staying in the UK again (we haven't left the country for about 5 years now) to keep it cheaper/a modest holiday. Part of it will be visiting relatives too.


    Been batch cooking with healthy pasties first, chicken and sweet potato tagine next...

    Done some light gardening too. The tomato plants are flowering now. Some plants that my father-in-law gave me as small plants are coming on and starting to flower now too. The lilies are opening. The garden looks rather nice at the moment



    ElmoR
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • A Frayed Knot
    • By A Frayed Knot 22nd Jun 19, 10:01 AM
    • 2,898 Posts
    • 12,890 Thanks
    A Frayed Knot
    I'm glad your on the mend I used to wonder what they meant when they said that and it's not until your not 100% health wise that it occurs to you.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    MF March 2030Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • ElmoR
    • By ElmoR 29th Jun 19, 8:52 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    And another week with NSDs. Still cheating by being at home.
    Did treat my daughter to some new trainer/boots and a computer game though, but she deserved a reward after doing lots of revision without us having to push her at all. Plus, it was payday, yay!!
    Managed some more gardening, house cleaning type activities and have started going for short walks around our neighbourhood. I had asked if I could start a phased return back to work next week but my line manager didn't reply, so I guess I'm home for the whole of next week too. What a hardship!



    All sorts of serious issues seem to be kicking off at work and I've had yet another upsetting experience personally. I've lost count of the number of times I've been upset about things at this workplace. It makes me feel so frustrated and gloomy. At least I know my CV is in good shape because I applied for a couple of jobs and was offered interviews. Now I have to try to stay sane, keep that CV perky, and wait until my daughter finishes her A levels in 3 years time...it sounds like so little time in relative terms, but when every day at work (and even on sickness leave too apparently) is a miserable experience it seems like an endurance event. It's a shame too, because I don't want feeling miserable to taint these 3 years that may well be the last years our daughter is at home with us before she spreads her wings.



    Meh. Still, it's the weekend and looks like it will be a sunny one More walking ...



    ElmoR
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • ElmoR
    • By ElmoR 7th Jul 19, 9:31 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Some big milestones reached this week
    The mortgage has dropped below the 30K mark and that is 5 months earlier than I had hoped . It just shows what you can achieve if you really stick at it (or become obsessed with the O/Ps!)


    All the hard work at slimming universe is working too, dropped out of the obese into the overweight range this week It is a constant battle mind you. The batch cooking is certainly helping both my waistline and our finances.

    And finally, I was back at work on a phased return. So a few days initially with the other days still working at home. I'm not sure if this is a or a . Mixed probably. Holiday week planned for the end of the month, so will focus on that...


    ElmoR
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • ElmoR
    • By ElmoR 14th Jul 19, 6:11 PM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Long, irritation filled week at work but stuck to the batch cooked lunches. Shelled out for two coffees though, had to buy them as a favour for their time
    Spent the weekend doing batch cooking for lunches and gardening. Two more weeks to holidays...
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • A Frayed Knot
    • By A Frayed Knot 14th Jul 19, 6:37 PM
    • 2,898 Posts
    • 12,890 Thanks
    A Frayed Knot
    Lovely to hear you are now under the 30,000 mark and weight is dropping at a rate too

    Glad you managed to get an answer re the phased return, I was supposed to have that too, but shortage of staff meant, that was a No !!! Still that means I will have many, many a/l days still to take, as we have to use them for phased returns


    Going somewhere nice for your holidays, wish you good weather and a lovely relaxing time.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    MF March 2030Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • ElmoR
    • By ElmoR 20th Jul 19, 9:01 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Thanks AFK


    Phased return was great in principle but I got sucked back in more than I probably should have, but that is perhaps my own fault for not saying no more often. Ridiculously, the Occupational Health return to work meeting isn't until August. Not much help from those quarters. Things seemed to have stalled on the recovery front and part of the leg is still numb and stairs are still a challenge, so GP is contacting specialist to ask for advice. I'm surprisingly chilled out about it all though.


    It's work politics that stress me and wind me up In the past 3 years I have had shingles/with neuralgia, pneumonia and now a back injury that initially put me in a ward with senior citizens. That sounds like someone in their 70s? Yet I only just said hello to 50. What the heck is happening to me??? WAKE UP CALL!!!



    On the money front, plodding along well. Batch cooking helps keep spend to a minimum at work, and helps with weight loss.

    The bank account is looking a bit anaemic this month and I still have to pay for the hotel at the end of the month, meaning a dip into the savings pot potentially. We are off next Sunday to Scotland for 5 days


    Happy holidays everyone
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • debtfreeoneday
    • By debtfreeoneday 21st Jul 19, 6:54 AM
    • 3,040 Posts
    • 10,506 Thanks
    debtfreeoneday
    Well done on the weight loss, easier said that done, but try to stick to the phased return to ease yourself back in!
    DFW (08/08) 64,346.53 Gone for good (02/19)
    MFW (01/15) 79,985.38
    • savingholmes
    • By savingholmes 21st Jul 19, 3:00 PM
    • 9,453 Posts
    • 18,194 Thanks
    savingholmes
    Enjoy Scotland. Hope you feel better soon. Like the sound of the book you are writing - how is that going?
    Target DFD Mar 21 Nov 20 38840 @ 13/7/19 29,366 @0%
    Target MFD July 2031 April 28 owe 145551 @13/7/19 145,362 @1.7%
    • ElmoR
    • By ElmoR 27th Jul 19, 7:50 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Thanks debtfree.


    The second week back was a bit more relaxed than the first. Some people are really crabby with me and it makes you feel guilty, as if you are skiving. There are others who take the 'working at home' flexible working right to the limits of what is acceptable, and beyond, and totally get away with it, plus they seem to have no guilt. I must be built wrong.



    On holidays now


    have a good week!!
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • ElmoR
    • By ElmoR 27th Jul 19, 7:55 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Thanks savingholmes


    Oh dear though, I forgot about the book. Back in April, May I wrote loads but then it seemed to run dry. I get plagued with thoughts like... this is rubbish, who would want to read this... type stuff. My pattern seems to involve a little flurry of writing followed by months of nothing. I know that proper writers dedicate a set time each day to write and get it done that way. My motivation is clearly lacking.


    Must try harder
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • ElmoR
    • By ElmoR 27th Jul 19, 8:05 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Quick update on the MFWing. Tricky month with the holidays, reward money for daughter on recent achievements and car insurance due. I was paid for some external work and plopped half towards the mortgage, keeping the other half to help towards the holiday hotel bill.


    There is a voluntary severance scheme at work just now, then probably compulsory redundancies in a couple of months. I think my job is safe because we are doing well in our area but it does make me wonder about the next 5 to 10 years, since there will almost certainly be more churning in our sector. And one or two bad recruitment years and our area would be in the firing line. I did look into pension and savings status earlier, but maybe I need to start firming up an actual plan. An escape route if needs be...



    Will start reading other peoples blogs on this, please point me towards good ones if you know any


    ElmoR
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
    • LeighofMar
    • By LeighofMar 27th Jul 19, 12:37 PM
    • 127 Posts
    • 324 Thanks
    LeighofMar
    Hello. Just catching up on your diary and wanted to say how I think you are doing so well. Congrats on the mortgage being 30k. I hope your health gets better and that you can devise a good escape plan from your job if need be. Nothing's worse than a toxic work environment. We are working on our similar plans at the moment too.
    Wishing you well.
    • ElmoR
    • By ElmoR 4th Aug 19, 8:38 AM
    • 90 Posts
    • 312 Thanks
    ElmoR
    Thanks for dropping by LeighofMar. I would be very keen to hear any tips from you. One of my tasks for this week is to trawl through others threads for early escape plans / retirement planning strategies.
    I already bought, read and started implementing the investment book that most people seem to recommend. Struggling to get my head round the big numbers and calculations involved though
    Further complicated by the pension provider halting the final salary scheme two years ago and starting a new contributions scheme in its place, so I end up with a hybrid (or half a unicorn, as I'm calling it). And maths really is not my strong point.


    So, the past week has been rather excellent with a holiday is Scotland, lots of tourist type activities and also revisiting some of my old haunts of 30 years ago while a young adult/student. The walking was hard work but we managed a fair distance each day with plenty of rests. Managed to stay on the slimming universe plan with one huge blow out meal at my favourite mexican restaurant from the late 1980s, and still weight off at weigh in on return


    It was a very spendy week though, but hey, we were on holiday!


    Back to work tomorrow . Batch lunches prepped, happy vibes topped up to full...let's see how long I manage before a lurch into gloom...
    2018 40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF
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