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  • FIRST POST
    • museumworker
    • By museumworker 15th Jul 17, 10:22 PM
    • 2,091Posts
    • 12,066Thanks
    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 25
    • museumworker
    • By museumworker 4th May 18, 10:21 AM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    what a bonus, well done! great to benefit unexpectedly for poor service standards
    Originally posted by blocpartyfan
    Yes, they used to offer the service but don't any longer, so should know exactly what to look for. Was really kind of them to offer .

    That is a great saving on passport forms. Now what else can you get for free?

    Love your retirement travel plans too.

    I did chuckle at the comment vix made!
    Originally posted by CathT
    Did someone say FREE... definitely my favourite word at the moment . Will have free day at home with DD2 today as we are potty training for hopefully the last time. Then we won't need to buy nappies any more - yay .

    I'm really excited about the travel plans too, we get a few breaks a year but being able to take longer breaks will be wonderful.

    Yesterday I did my first 'miracle morning' routine, and it was absolutely amazing. Ten minutes each of Silence, Affirmations, Visualisation, Exercise (Yoga), Reading and Scribing (or journaling). I was literally buzzing all day, got loads of things off my to do list and published a blog post. Tried to get up early to do one today but my meds are definitely not conducive to early risings . Will try again tomorrow though, the emotional benefits are definitely worth it.
    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 4th May 18, 6:22 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Ok, own up guys! Who put the (slightly broken) chair in the skip up my road? Am now scrubbing it with a magic sponge and hoping it can be fixed up to go with DS desk.

    I still need the free desk though
    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 6th May 18, 10:47 AM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    The chair was unsalvageable - it made its way back to the skip sharpish !

    The bed has been collected and is in fantastic condition. DS is so excited! We will use existing mattress, and buy DD2 a new one when she inherits his old bed (actually DD1's old bed, still going strong after 12 years!)

    Miracle morning achieved yesterday, which was lovely. We got some camping furniture out from under the loft so had a sun canopy up, as well as some really comfy chairs we won and just hung out in the garden, really relaxing. Last night had date night with OH, tried local burger joint for first time which really enjoyed, and used a few of my free beer vouchers after. Total cost 36 (4 under budget) and it was a really fun evening. However very late to bed so no miracle morning today!

    I've cashed out 16 in @mazon vouchers from TCB, and ordered five free carpet samples.

    Mr T shop delivered, another 100 shop ! Online shops are definitely busting our budget, but taking the young ones with us shopping was just getting too challenging. Does anyone have any tips for grocery budgeting, particularly online? Otherwise we are on for a 500 month . I'm not eating carbs which does push the cost up, but even still!

    This afternoon we are having friends over for dinner, will do BBQ style food (but on the cooker) - youghurt marinated lamb skewers, beetroot yoghurt and tahini dip, honey and mustard sausages, hummus, salad and fresh Turkish bread.

    After much consideration I've bought a new camera and smartphone, using a significant amount of my pocket money savings. Whilst we were away in Finland I was using a camera OH has, but it was really glitchy, slow, and frustrating to have to ask to borrow it all the time. It meant I couldn't capture quite a few pictures, which are special to me and I use on social media to support my blogging. I have bought a S0ny A5100 as I take a lot of inside (museum) shots, and the light sensor on it is enormous. And after dumb phoning since November, I finally chose an Hon0r P9 lite, great reviews and a lot of handset for 159. With all the accessories - accidental damage protection, case, bag, lens cap bungee, screen protectors - I've spent around 530 The money was saved but not used to such big spends, so just getting used to the feelings it has provoked!
    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 6th May 18, 9:24 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Argh, just found out discount not applied and now it's 50 off the camera... May be buying another one and returning at the old price at this rate, will be worth the near 100 saving
    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 6th May 18, 10:13 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Just made a (long) call and 92 now on it's way back to our account. Very happy
    Can I just say thank goodness for YNAB, it's really getting me to scrutinise our accounts.
    Last edited by museumworker; 06-05-2018 at 10:17 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 11th May 18, 10:28 AM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    We had a wonderful bank holiday weekend at home, felt like we were on holiday!

    I've had a 'miracle morning' almost every day and they've really made me feel focussed and positive. I had a busy week too, with a day training on SEN law, a work evening do I got home at 1am from, and an exhibition opening yesterday. However I'm now coming down with something - probably a cold, also have a huge amount of cold sores, aches and a sore throat, so not feeling well at all today. I think DD2 might end up with quite a bit of telly today! I've asked OH if he can come home a bit earlier today and will take kids over to park after school pickup to make up for the overload on CBeebies!

    Potty train going ok, some successes but still some misses too.

    What with illness and potty training we've decided to have another at home weekend.

    Other news this week:
    * return of expensive necklace which looked rubbish IRL, still have a 70 voucher to use up!
    * Sweatshirt retired as grease stains wouldn't come out despite several attempts at stain removal. Picked up another for 3 from charity shop.
    * DS passport application submitted
    * DD1 passport photos done
    * Reading free books on the library app, definitely reducing my book spend whilst enjoying new releases. Currently reading Three Things About Elsie.
    * Signed up for Unmartyr yourself challenge next week by Mindful Mama, free and really useful self care checklist
    * Spends: 26 on two t shirts I absolutely love from Uniqlo ; 7 on sunglasses to replace lost ones (pocket money), 15 pocket money on night out.
    * Booked my Mother's Day gift: a mindfulness retreat in September ! Train tickets booked immediately, saving 50%
    * Booked a camping weekend for the family at end of June
    * Firmed up plans for weekend away at end of month
    * Found suitable childcare for DS, trialling 1 day in May. Met with staff and discussed his condition. Booked and paid for.
    * Contacted healthcare specialist to book follow up meeting after DS diagnosis
    * DD1 had first brace fitting appointment
    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
    • pinkypig
    • By pinkypig 12th May 18, 7:22 AM
    • 1,291 Posts
    • 10,383 Thanks
    pinkypig
    Sounds like life's good MW . Have a great weekend xx
    MFW 2018 #157 Target 15,000

    11,437.54/15,000
    • museumworker
    • By museumworker 12th May 18, 1:06 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Thanks PP, life in general is going very well. Apart from today, when I'm all crusty in cold sores, and am feeling dizzy and achy all over. Darn virus!

    Am very proud for my latest online food shop, meal planned properly around freezer contents and had to add extra food for DS party to get it over the 40 mark! Plus used 3 off voucher, so a 39 shop, and have bagged one large joint of pork + BBQ sauce ready for DS party next month. This should help us keep our food budget down, it was ridiculous last month.

    Carpet measuring appointment booked as we have now picked our carpet ! It's polypropylene, so moth resistant and bleach cleanable. Cannot wait to not worry about moths anymore! Ordered different colourways in it to double check which we like the most but would be happy with the sample colour we have already. A bit concerned that fitting costs might be high, so have contacted 2x local retailers too to try and book an appointment. Just need to work out how we are going to pay for it !

    Planning to do little but read library books for the rest of the day, and hoping will feel better tomorrow.
    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 12th May 18, 1:57 PM
    • 1,538 Posts
    • 7,490 Thanks
    wishingthemortgaheaway
    Hope you feel much better after your rest.
    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 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • museumworker
    • By museumworker 12th May 18, 5:20 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Thanks wish, OH taken kids out to softplay so I have a quiet house at last. Shop came and didn't deliver one item so have sent an email, plus claimed for 1.50 back on Shopm!um. Just about to do a mindfulness session to tr6 and clear my rather overactive mind.

    Second carpet fitting appointment booked. I may have to temper my ambition regarding timeframe for fitting the carpet, until we have saved the money. Let's see what quotes come in at.
    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 17th May 18, 9:10 AM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Just dashing round the house, getting it tidy enough for the carpet measurers today.

    We've used our MrT vouchers to book our summer holiday Eurotunnel! All it will cost us in terms of travel is petrol and any parking. Well, and the 4 difference between the vouchers and the price . We also have enough points left for one more trip, so October will be free too. We're not getting as many points lately so unlikely to have a repeat performance next year, but means we are definitely on for a sub-1k holiday year, despite three foreign holidays.

    Time to finish tidying!
    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 20th May 18, 12:20 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Rooms measured for carpet, and they don't charge for lifting furniture. Looking forward to seeing the quote.

    Passport photos of DS rejected by passport office, despite their own website saying it is fine for children under 6 to smile. Grrr! I've raised a complaint but won't know for 15 days if successful.

    The virus definitely lingering, yesterday I almost collapsed after 8 minutes of yoga! I have 2 v v busy days ahead so trying to take it easy today.

    Gifted two bin liners of garden toys from family, just sorted through with DS. Picked 2 of each type - one for him, one for DD2 - and will leave rest in local sandpit for other children to enjoy. Still have a ridiculous amount of play dough toys to sort through, but have an empty box to store them in for now at least.

    Am aware we are due to house swap on Friday, we are nowhere near ready although I have set aside some time on Thursday to prep house.

    We also have used this month's home maintenance money to buy LED bulbs, both DDs leave their lights on and these should pay for themselves within 9 months in terms of energy saving. I bought branded ones as knew I could retrofit them, shopped around to get 12 offstandard price and 6% cashback. OH going to swap them all over today.
    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 21st May 18, 8:34 AM
    • 1,786 Posts
    • 10,308 Thanks
    themadvix
    Hope you're feeling better and stronger today - try to take it easy!
    OPs 2018 = 2090
    Moving savings = 1345.52
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • museumworker
    • By museumworker 1st Jun 18, 10:31 AM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Well, what a few weeks that has been! Short version, I got through it, managed the multiple challenges and really enjoyed the houseswap. I am exhausted though!

    New month, new attitude. I had been letting the finances get a bit out of control, especially with the lack of smart phone it was hard to keep YNAB updated and bit by bit it just got more out of sync. I then found I was overspending, as there was little accountability. Just burying my head in the sand really.

    So today I have started a new budget, all feelings of guilt gone. My smartphone is now fully up and running and YNAB downloaded so keeping track of everything will be loads easier.

    We had our first quote for new carpet back at 2,600 and already have 1,100 saved. We may end up using it to get the shed instead though, in which case carpets will definitely be next year.

    Both kids off today, just about to get ready for cheap day out in local park.

    To do:
    * chase second carpet shop for quote
    * add 2 off voucher to Mr T order
    * talk through new budget with OH
    * Post budget here for extra accountability
    * washload X 2
    * Book haircut
    * book hp studio tour
    * contact friend R for date to meet up
    *DAILY Check YNAB
    Last edited by museumworker; 02-06-2018 at 10:30 AM.
    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 1st Jun 18, 6:08 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    June planning ahead

    Family
    DS birthday party (party paid for, 125 food budgeted, hoping to do for a lot less)
    DS birthday presents (50 budget)
    DD1 music rehearsals (extra 5 travel, 12 lunch)
    Send out DD2 party invites
    Night out OH bday treat (90 pocket money)
    Course on DD1 condition (already paid). [Need to have dinner options prepped to avoid them going via takeaway every time]
    Support group for DS condition (free)
    2 x days out (days out budget 20)
    Father's Day (25 budget for card/gift)
    Buy sandals DS (20)
    Book HP Studio Tour for me/DD1 (50)

    Extended family and friends
    3x family members staying (extra food/free babysitting)
    Camping weekend (35 + petrol/ days out money)
    Night out with friends x2 (pocket money looking low already!)
    Museum visit (free + any coffees)

    Me
    Free local walk (free)
    Paid wishlist walk (30 pocket money).
    4 x blog posts
    Restart miracle morning
    Cycle to/from work twice
    Enter comps from magazine pay for (any additional spends to come from grocery budget)
    Haircut (25)

    Work
    Work evening event
    Work away trip (10 pocket money)
    Claim back expenses (+ 87)

    House
    Quotes for guttering cleared and fixed
    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 2nd Jun 18, 10:06 AM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Chased carpet quote from local company and it came back the same as the national department store, so we will go for the latter as we're clear on the high standard of service and the quality of the product. When we will fit is another question but at least we know who we will use and how much it will cost.

    Haircut booked for later today, planning to have a little trip up the forest with the kids if DS not too tired from swimming lesson.

    150 had earmarked for party for OH now in the new carpet fund.

    Had lovely afternoon out with kids, local outdoor play group and then playground, both really enjoyed it and only 4 spent.

    To do list:
    * Haircut
    * Charity run
    * Yoga
    * Mindfulness
    * Write blog post
    * Book HP ticket
    * Wash load x 1
    * Put all laundry away
    * Walk in forest
    * Turkish shop for lunch basics
    * Claim cashback on food shop
    * Post budget
    * Update YNAB
    * Enter comps in magazine

    Hope everyone has a great day!
    Last edited by museumworker; 07-06-2018 at 2:52 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 7th Jun 18, 3:18 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    Day off, after a rather demanding few days at work, my work evening event is over with after a rather gruelling 12 hour day. I think my body has had enough and all plans to have an active and productive day have gone out the window. I was rather violently ill this morning and have not done much more than sit around, eat some carbs and watch rubbish tv today. I'm also giving up caffeine as I've noticed my anxiety is quite bad at the moment, and hopefully going back on the decaf will help with that.

    YNAB is up to date, I've spotted an iTunes payment which eventually tracked down to OH subscribing to an app by accident. A refund of 28 now on its way.

    We've ordered the new mattress for DS bed, I had some money in my PayPal from a clothing return, so 95 out of home maintenance budget and ready to collect next week.

    My much reduced to do list this afternoon:
    * collect prescription
    * buy nephew birthday card and post
    * collect kids
    * do double bedtime

    I've got an easy dinner out the freezer for me and DD1 as OH is out tonight, just need to do some rice/ celeriac to go with it.
    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
    • pinkypig
    • By pinkypig 7th Jun 18, 8:18 PM
    • 1,291 Posts
    • 10,383 Thanks
    pinkypig
    Awww MW that sounds grim. Poor you, hope you're feeling better xx
    MFW 2018 #157 Target 15,000

    11,437.54/15,000
    • Brodiebobs
    • By Brodiebobs 7th Jun 18, 9:00 PM
    • 775 Posts
    • 3,304 Thanks
    Brodiebobs
    oh man... thought you'd been quiet

    just re-found & subscribed will catch up!
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • museumworker
    • By museumworker 7th Jun 18, 11:03 PM
    • 2,091 Posts
    • 12,066 Thanks
    museumworker
    It was really grim PP, I have never seen anything like it and had to Google the symptoms. I'm just keeping an eye on it, not 100% but a lot better. Am wondering if its a physical reaction to a very vivid dream I woke late from, I was with a friend who passed away a few years ago and I knew that would be the last time I saw them so I was trying to say goodbye and tell them I loved them without them knowing what would happen to them. I woke up with tears down my face, then had to literally leap out of bed as was late for a meeting at nursery.

    Hi Bridie, good to see you here and hope there's enough of interest to keep you reading til the end!

    Prescription collected and filled and kids in bed, it was quite stressful at points I must say! DD1 liked our freezer katsu curry, and polished off a Christmas pudding from the cupboards too!

    Online shop ordered for tomorrow after school, more store cupboard than meals but hope we can muddle through. 42 after 6 off voucher used, plus 8 to claim from cashback apps.

    Anyway, time for book and bed. Hope tomorrow is an easier day

    Night all x
    Last edited by museumworker; 08-06-2018 at 5:07 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
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