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  • FIRST POST
    • museumworker
    • By museumworker 15th Jul 17, 10:22 PM
    • 2,057Posts
    • 11,883Thanks
    museumworker
    The mindful MFW: A healthy, happy journey to a mortgage free life!
    • #1
    • 15th Jul 17, 10:22 PM
    The mindful MFW: A healthy, happy journey to a mortgage free life! 15th Jul 17 at 10:22 PM
    Hi all! Some of you may know me from my last two diaries (museumworkers quest to consign the mortgage to history and Making the Future Happen). A lot DID happen during my last diary, mostly things that threw me off the MFW course, including an unexpected (but much loved) third child and a new full time job! These are both changes for the better, but adjusting to even less time with even more responsibilities unfortunately took its toll on my health and wellbeing as well as our finances.

    Anyway, I now feel like I've turned a corner - my health is improving, I'm settled at work, we have local childcare arranged (no more commuting with a toddler and buggy come September!) and we are starting to tackle the mortgage again. Rather selfishly I would like a new diary to mark this new phase as I feel a bit like my old one is, well, if not stained then a bit dog-eared. And who doesn't like the feel of a crisp new diary, all shiny, new and full of hope!

    This time my journey to mortgage freedom has to be healthy and happy. I can't let myself get ill again, the whole family suffers. The mindfulness part is more aspiration than reality at the moment! However I've gained so much benefit from the mindfulness work that I have done that I really want to make it an integral part of my life. And I really want to enjoy my time with the kids, aged (nearly) 3, 5 and 14, and nurture my relationship with the very neglected OH. We love to travel and have days out, though usually there's a discount voucher and a packed lunch to hand if you look closely enough! Of course there will be challenges along the way, but if I can build personal resilience and keep a positive outlook I'll be much better placed to deal with them.

    I would love it if you read and posted along - words of encouragement, suggestions, comments, questions, observations, witticisms, light ribbing - and the occasional reprimand if I start being self-negligent!

    Some facts that always help at the start of a diary:
    Mortgage balance at start of MF journey, March 2011: £190,000
    Current balance July 2017: £95,979.89
    Mortgage rate: 2.39% fixed at Feb 2016 for 5 years.

    OPs in 2017 to date: £9,249.16
    Total OPs 2011-16: £45k

    LTV when house purchased 2008: 83%
    Estimated Current LTV: 15%
    Old mortgage rate: 5.09%
    Old mortgage monthly payment: £1,200
    Current mortgage monthly payment: £623.15

    Original end date at renewal: February 2036
    Current end date with no further OPs: October 2033 [guestimate, will check next time I call]
    Target: April 2022 = £1,200 pm OP / £14,400 pa OP
    Stretch target: September 2021 = £1,400 pm OP / £16,800 pa OP
    Super stretch target: April 2021 = £1,600 pm OP / £19,200 pa OP

    Just realised that means am possibly talking only 4 years or so until we're mortgage free ! Wow, that feels so unreal - but incredibly motivating!!

    Lots more to say, but right now we're off to bed. Thanks for reading!
    Last edited by museumworker; 19-07-2017 at 1:07 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
Page 23
    • museumworker
    • By museumworker 20th Mar 18, 11:25 AM
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    museumworker
    Thanks wish, I'm off again today and trying not to get frustrated. I have lots I'd like to wrap up at work before I go on leave at the end of next week.

    I've updated YNAB as it got quite out of kilter the beginning of the year due to busy work project. And it shows we weren't keeping an eye on it! Accounts more or less balanced but quite a few overspends which means we have to pay extra into our savings pots each month going forward now.

    The worst is the redecorating, I think I estimated about £600 but we are already over a thousand and I have another £150ish to put through. I'm trying to be positive - downstairs is already transformed, a lot lighter and more spacious; we did all the painting ourselves; we brought forward costs by buying new dining set; we will get another year or two out of our kitchen; we also are repainting the bathroom which I wasn't expecting this round... But still it feels like a LOT of money.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • Courgette
    • By Courgette 20th Mar 18, 2:25 PM
    • 1,714 Posts
    • 18,131 Thanks
    Courgette
    Hope you feel better soon lovey. You're very busy. Please do leave time for yourself xxx
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
    • museumworker
    • By museumworker 22nd Mar 18, 7:35 PM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Thanks Courgette, am feeling much better.

    Today has been my 'me day' and after reading about self care I realise what I'm doing all falls under that category:
    * dentist appointment for me (and DD1). Booked hygienist for April
    * osteopath appointment to deal with niggling back complaints (which got unbearable after a couple of days in bed). Was quite interventive, really feeling it this evening!
    * bra fitting and three new bras bought. 20% off + staff discount

    In addition:
    * Throws and last couple of cushions bought from Primarni for the living room. The room is really coming together and the throws are sooo enormous, we can all fit under one! They are super snuggly and easy to machine wash.
    * New swimsuit bought for DD2, her last one lasted from 1 year and we always get the SPF ones to save on stressing about suntan lotion, for most of the body at least. Bought one size up. £5 staff discount. A job off the list as I want to take kids swimming when we're on holiday. She is so excited she's currently wearing it round the house

    Walls finished in living room, dining room, and bathroom. One more coat needed in the kitchen, then hopefully onto woodwork this weekend.

    The place is in chaos and we need a couple of tip and charity runs on the weekend to get things out the way. Aim is to have it cleared and paint stuff away by Wednesday night so the cleaner can deep clean on Thursday.

    I've closed the window on the expensive house plants and am going to get the couple of quid jobs from Ikea over the weekend which will help keep costs down.

    Cheap print of a vintage poster ordered via etzy for living room, and we're going to squeeze it into cheap Ikea frame to avoid framing costs. It's not a forever solution, but will work whilst we keep an eye out for the perfect artwork (OH has been looking for 2 years so I think it'll end up on the walls for quite a while!)
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • Needhelpsaving
    • By Needhelpsaving 23rd Mar 18, 6:34 AM
    • 688 Posts
    • 2,818 Thanks
    Needhelpsaving
    Wow, you have really been ploughing through your jobs list! Congrats, I bet you will feel great once everything is done and you can relax and enjoy it.

    Although, as others have said, make sure you have time for yourself too x
    Target 1 - Emergency Fund Currently £7843.58/£10,000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £68,498.25 (09/04)
    • museumworker
    • By museumworker 23rd Mar 18, 1:38 PM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Wow, you have really been ploughing through your jobs list! Congrats, I bet you will feel great once everything is done and you can relax and enjoy it.

    Although, as others have said, make sure you have time for yourself too x
    Originally posted by Needhelpsaving
    My only concern is that there is no end of the list! But feels good to know that some of my jobs are actually caring for myself.

    This time next week we will be in Finland !

    Dropped DS at school and had a sunny couple of hours with DD2 in the park. I did give in to her super sweet request for a £2.50 ice cream though .

    Bag dropped at charity, and a Lego tshirt bought for DS for £1. I should have enough t shirts for him now, he's been squeezing into the same ones for 2 years but he's just shot up and the midriff on show is never a good look .

    I've got some ys beef stewing with premium gravy (reduced from £2.80 to 60p) as the sauce. Another two things out the freezer . We still have £90 left in our grocery budget so hoping a few small top up shops will help us keep the costs down (and freezer empty!)

    We have quite a lot to get done this weekend so hoping this list will help focus the mind:
    * swimming DS
    * Party 1 DS
    * Party 2 DS
    * annual concert DD1
    * climb mount washmore
    * charity run
    * tip run
    * final coat kitchen
    * woodwork x 4 2 rooms
    * IKEA - frame, plants, pots, duvet for DD2, candles
    * Collect order Mr A
    * update house manual
    * check key situation with neighbours seem ok with it but will confirm arrival time
    Last edited by museumworker; 25-03-2018 at 11:13 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 24th Mar 18, 4:27 PM
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    • 11,883 Thanks
    museumworker
    And our new cleaner has quit after only one session !

    Beginning to take it personally .

    Will book in a one off clean via agency and start the hunt again when we're back.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 24th Mar 18, 10:28 PM
    • 1,217 Posts
    • 5,579 Thanks
    wishingthemortgaheaway
    Oh no, did they give a reason? What an utter nightmare.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • museumworker
    • By museumworker 24th Mar 18, 11:03 PM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Oh no, did they give a reason? What an utter nightmare.
    Originally posted by wishingthemortgaheaway
    Their circumstances have changed...

    I've looked at a one off clean via the agency but it was at least £16 an hour plus they were hacking me off as I couldn't cancel online the booked sessions with the first cleaner who quit so I've decided to do the clean this week myself .

    It will save at least £40, but it's a busy week so a bit about fitting everything in.

    DD1 concert v good. Glad didn't buy the £2 programme as she wanted to come home during the interval.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 25th Mar 18, 11:35 PM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Phew, we really could have done with that extra hour this weekend!

    We've done many of the jobs - painting, charity, tip, parties, swimming, concert, IKEA, ALL the laundry... also tidied front and back gardens . Had ys pork rack roast from freezer which was delicious, alongside veg that needed using up from the fridge and freezer. There are still two servings left so lunch for tomorrow is sorted.

    But kids not in bed til 930 so House manual will have to wait. Great news is an evening event I was due to attend tomorrow has been cancelled, so I have an extra evening back.

    Tomorrow we'll put the last few books back on the living room shelves, and put all the paint stuff away.

    Our Ikea trip went over budget (are you surprised?) but our living room is now looking *almost* perfect. We found the perfect lamp for our new reading nook which makes the whole corner work, and a beautiful new pendant lampshade has been the finishing touch. I love it so much, I just want to stay at home and turn the light on and off to admire it. All day. . A £2 ivy finished off one set of shelves brilliantly but the rest of the plant offer was a bit rubbish so still in need of a small plant for the other shelf. We also did a return for £14 back.

    Tomorrow:
    * lunch from stores
    * get £4 tray from tiger for DD2 hair things
    * collect order from mr A
    * meatball dinner from freezer
    * walk to and from tube to save on bus fare
    * house manual
    * complete DD1 music form
    * drink water
    * take supps
    * stick to diet
    * thank you texts for parties
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • themadvix
    • By themadvix 26th Mar 18, 8:50 AM
    • 1,553 Posts
    • 9,169 Thanks
    themadvix
    Phew, we really could have done with that extra hour this weekend!

    We've done many of the jobs - painting, charity, tip, parties, swimming, concert, IKEA, ALL the laundry... also tidied front and back gardens . Had ys pork rack roast from freezer which was delicious, alongside veg that needed using up from the fridge and freezer. There are still two servings left so lunch for tomorrow is sorted.

    But kids not in bed til 930 so House manual will have to wait. Great news is an evening event I was due to attend tomorrow has been cancelled, so I have an extra evening back.

    Tomorrow we'll put the last few books back on the living room shelves, and put all the paint stuff away.

    Tomorrow:
    * drink water
    * take supps
    Originally posted by museumworker
    Yes, I can see why you need to take supplements! I'm tired just reading your achievements from the weekend, and I thought I'd done pretty well in the garden!

    Totally get you on the reading light - I shouldn't admit this but when I cleaned my fridge last week I kept popping back to look at it!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • museumworker
    • By museumworker 31st Mar 18, 2:04 PM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Yes, I can see why you need to take supplements! I'm tired just reading your achievements from the weekend, and I thought I'd done pretty well in the garden!

    Totally get you on the reading light - I shouldn't admit this but when I cleaned my fridge last week I kept popping back to look at it!
    Originally posted by themadvix
    Nowt wrong with a bit of clean fridge watching ! When I cleared out my DSis pantry the other week, the first thing she did the next morning was open the doors and stare at the clean bare cupboards for a few minutes .

    We've arrived in our Finnish house swap and it's a lovely. Beautiful sunlight streaming through the windows and I can see forests and snow from every window. Really well insulated, had to turn the heating off as we were so warm . We've found the nearest Lidl and got a shop in, tons of Lego for DS and DD2 pottering around playing.

    I only had 45 mins sleep in 40 hours and didn't have great first night here either so now on couch just enjoying the light. Hoping to get out to a nearby playground soon, then easy dinner and will try out the sauna tonight .

    DS had a diagnosis a couple of weeks ago so I've signed up for local support groups, and enrolled on free online course to understand better his condition. Great to finally have the time and headspace to do so.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 3rd Apr 18, 8:15 AM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Sunday we went for a beautiful walk next to (and on top off ) a frozen river. Apart from a pack of hot chocolate and a courgette it was a NSD. Yesterday saw 20cm of snow, very unusual for this time of year. Too dangerous to drive so just took the kids out sledging within walking distance. Had family film and played games. A complete NSD.

    Today will venture to Helsinki for the first time, looking forward to it Am sure the parking will cost a fortune but having investigated the train that's not cheap either!
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • themadvix
    • By themadvix 4th Apr 18, 11:01 AM
    • 1,553 Posts
    • 9,169 Thanks
    themadvix
    Sounds lovely! (Although not sure about the diet of hot chocolate and courgette! )
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • newgirly
    • By newgirly 5th Apr 18, 8:43 PM
    • 6,222 Posts
    • 42,961 Thanks
    newgirly
    Sounds amazing MW
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • pinkypig
    • By pinkypig 5th Apr 18, 10:20 PM
    • 1,137 Posts
    • 9,459 Thanks
    pinkypig
    Sounds fab MW, so glad you're all having a lovely time
    MFW 2018 #157 Target £15,000

    £4,964.08/£15,000
    • museumworker
    • By museumworker 10th Apr 18, 4:38 PM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Hey all, am back but very much struggling. Tried taking DS to a holiday activity thing earlier and he had a meltdown because he didn't win at a game. It was difficult, embarrassing, upsetting, and with the diagnosis completely understandable. I feel really tearful and am still hurting from the diagnosis. This afternoon I've done nothing but let him watch Lego programmes, I am just worn out with it all. Feel like a terrible parent.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • greent
    • By greent 10th Apr 18, 8:39 PM
    • 6,913 Posts
    • 70,748 Thanks
    greent
    Nope, not terrible, just a human being. And some serious screen time today is going to do no long term harm. If you both needed the recovery time, then it's not a bad thing xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • museumworker
    • By museumworker 11th Apr 18, 9:38 AM
    • 2,057 Posts
    • 11,883 Thanks
    museumworker
    Nope, not terrible, just a human being. And some serious screen time today is going to do no long term harm. If you both needed the recovery time, then it's not a bad thing xx
    Originally posted by greent
    Thanks greent for the kind words, am feeling a bit brighter today. I have a cracking headache and low grade aches, probably from being a carby/ caffeine addict on holiday and now getting back on the low carb way of eating. I only put on about 4lb, although it felt like a lot more. I noticed how bad sugary food made me feel (but I still ate it ) but definitely makes me determined to stick to my new way of eating. Just need to get through the carb flu stage again .

    Getting on top of mount washmore, four loads yesterday and first one of the day already in. Online shop done so fridge and freezer stocked up again. And I've also started updating YNAB, although still some way to go on that.

    This afternoon we have Peter Rabbit booked, tried on a meerkat movie but booked wrong type of tickets so despite accepting the code it didn't apply the 2 for 1 . I've emailed but not expecting a refund, and the difference is only £2.50 so just need to chalk it up to experience.

    Car put in for MOT, fingers crossed it will pass ok otherwise we'll have to use OH bonus and then some to get a new one.

    Today's enough list:
    * pick new blog template
    * send mum birthday card
    * passport photos for DS

    Get ahead:
    * washloads x3
    * put laundry away
    * empty OH bag and put all bags away
    Last edited by museumworker; 12-04-2018 at 7:47 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • themadvix
    • By themadvix 11th Apr 18, 9:49 AM
    • 1,553 Posts
    • 9,169 Thanks
    themadvix
    Hope today is a better day!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • greent
    • By greent 11th Apr 18, 1:14 PM
    • 6,913 Posts
    • 70,748 Thanks
    greent
    Fingers crossed for the car x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
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