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  • FIRST POST
    • museumworker
    • By museumworker 15th Jul 17, 10:22 PM
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    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 26
    • CathT
    • By CathT 10th Jun 18, 8:55 PM
    • 5,742 Posts
    • 40,209 Thanks
    CathT
    Hope you are feeling better MW, that's a lot of carpets. Is it most of the house?
    Oct 2018 -
    part 1 - 75,530
    part 2 - 44,799
    Total - 120,329
    • museumworker
    • By museumworker 11th Jun 18, 10:02 PM
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    museumworker
    Hi CathT, good to see you here. Yes, it's five bedrooms, two flights of stairs and a landing (so basically the top two floors of the house). Includes underlay and all fitting costs but not disposal of old carpet.

    Feel much better thanks, I have a few niggling health issues which I'm slowly starting to understand a little better.

    A lovely weekend, trip to local farm and playground with DD2 (1.50 ice cream) whilst DS at party, evening out with friend with dinner and drinks (30 pocket money), and an afternoon at a steam fair (20 of days out budget). I think we may have spent all our days out money now!

    Dinner from freezer and more defrosting for tomorrow. We have overnight guests Weds then Fri-Mon so probably need to get things in for them but will have a proper dig round tomorrow to see what we can use up. I've cleaned three rooms so will need to finish up the rest tomorrow, which might be a bad idea as I am working late. Ho hum!
    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 22nd Jun 18, 11:38 AM
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    • 12,500 Thanks
    museumworker
    Quick update before I completely get out of the habit!
    * DS party went really well last weekend. Over budget on food unfortunately by about 10, but it was a brilliant day and everyone really enjoyed it, and I thought it was the easiest one we've done yet.
    * over budget on groceries *sigh*. I think running down supplies last month has caught up with us
    * YNAB up to date
    * 86 work expenses refund
    * Reading The Urban Monk (for free), and really recommend it. Am already starting to make some small changes
    * DS summer scheme booked and deposit paid
    * two school trips arisen hadn't budgeted for (30)
    * realise that I haven't budgeted for supplements, almost all of which have run out. 100 spent *eek*
    * DD1 hated the course we booked and refuses to go, however DS getting a lot out of it and helping him understand himself, so we are continuing with it
    * off camping this weekend, cheap getaway and planning a digital detox
    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 23rd Jun 18, 6:05 PM
    • 1,943 Posts
    • 11,213 Thanks
    themadvix
    Hope you had (assuming digital detox happened!) a lovely weekend - and the weather was as good as it is here.

    Will check out that book!

    I know what you mean about running stores down - while I'm sure it helps in some ways, stocking back up is painful!
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • museumworker
    • By museumworker 29th Jun 18, 12:58 PM
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    museumworker
    Hope you had (assuming digital detox happened!) a lovely weekend - and the weather was as good as it is here.

    Will check out that book!

    I know what you mean about running stores down - while I'm sure it helps in some ways, stocking back up is painful!
    Originally posted by themadvix
    Had a proper digital detox, and it was great! Weather was amazing, great chat and company. Being outdoors so much was really relaxing, had beautiful walk through Ashdown Forest too. Took some advice from the urban monk and made sure I had some barefoot on the grass time too. Only downside was that the site was on a slight slope so slept badly due to finding myself curled up at the bottom of the tent all night!

    Been an extremely busy work week, lots of unanticipated media work and a two day full on work trip. It was amazing, learnt a lot from places visited and got to know work colleagues better too. I am now completely shattered though and DD2 under the weather so it's a sit in front of the telly kinda day. Need to pick up a prescription for her later and collect DS but doubt will manage much more.

    The house is in chaos after trips, but that will have to wait til I've recovered .
    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 2nd Jul 18, 10:09 AM
    • 1,943 Posts
    • 11,213 Thanks
    themadvix
    Glad you had a proper break, but you have my sympathy re the tent slope!

    Hope you've managed a rest over the weekend.
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • museumworker
    • By museumworker 8th Jul 18, 9:53 AM
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    • 12,500 Thanks
    museumworker
    Finally catching up a bit Vix, I was floored for days!

    I'm working on a Dla application for DS which is time consuming and emotionally difficult.

    Next weekend we have DD2's birthday party, bouncy castle booked and Mr T grocery shop with party food booked for Fri. I've managed to step away from some nice but unnecessary purchases, like themed paper plates and cups (we have plenty of plastic ones), and themed banners (I have one I can reuse). However I've decided making our own cake is non-negotiable, and we will splash out on some fizz for the grown ups. Looks like total cost will be around 170 including bouncy castle hire, we have put aside 150. 10 is for the toy as a cake topper though so I might take it out of her present budget.

    Worked yesterday so have an extra day off this week, which will give me time to clean and tidy house.

    We have now built DS bargain bed up which he loves and DD2 has his old bed. We now have her old bed to sell, and a chair from her room to go too.

    Just getting ready for a family day out, 10 from budget.
    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 9th Jul 18, 9:22 AM
    • 1,943 Posts
    • 11,213 Thanks
    themadvix
    Proper cake and fizz are definitely necessary!
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • museumworker
    • By museumworker 13th Jul 18, 11:38 AM
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    • 12,500 Thanks
    museumworker
    I completely concur! Got some fizz for just over 5 a bottle, full price 11.99 !

    Mr T shop came missing some vital baking ingredients and more annoyingly delivery man dropped whole pot of yoghurt over the rug in the hallway. One phone call later and have the cost of the rug on its way to our account. We'll be popping into the Swedish store tonight so that'll go on the shopping list. Counted our plastic plates and we need another 1.25 set of plates and bowls, OK for cups.

    1.20 per child spent on party favours, a paw patrol themed lenticular notebook and pp choc bar each.

    Have nearly 4 year old to entertain, back later
    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 14th Jul 18, 7:19 PM
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    • 12,500 Thanks
    museumworker
    Party all done and dusted, overcatered and no time for pass the parcel but bouncy castle a massive hit and kids all very happy so let's call it a win! DD2 quite subdued, think she is bit under the weather, but she definitely enjoyed it and looked gorgeous in a rainbow dress, 2.25 from CS. After party just quick clear up then hung out finishing the fizz and listening to music, lovely chilled afternoon.
    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 14th Jul 18, 10:57 PM
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    museumworker
    Arrgh, think DD2 left new toy bought her on the bouncy castle - which has been collected! Sent an email and am hoping it is found.

    Just tried to update YNAB but our current account website down. Grrr. Mainly I have overspent on clothing due to doing the uniform shop earlier than planned and finding amazing clothes for kids super cheap eg a load of Boden tops in immaculate condition for DS for 2 each! They are a size or two up so will be stashed away. I have just been offered some uniform for DD2 though so might be able to get some refunded, if same size, or if smaller will put this lot away until she grows into them.

    Notice given at nursery will have 3 weeks before starts school so a few hundred pounds saved there.

    To do this coming week:
    * free festival tomorrow
    * thank you card and gift school
    * thank you card and gift nursery
    * thank yous for DD2 presents
    * list DD2 bed on fleabay
    * list chair on fleabay
    * nursery outing with DD2
    * DD1 repeat prescription
    * DS DLA claim - complete
    * DD1 passport application
    * day out and long walk with friend
    * send 3x bday cards
    * DD2 birthday (must order gift!)
    * DS friends party (order gift!)
    * finish blog post
    * promote a blog post
    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
    • chumpy45
    • By chumpy45 9th Aug 18, 9:45 AM
    • 348 Posts
    • 1,515 Thanks
    chumpy45
    Hi MW, have just read your diary from the beginning and have really enjoyed your adventures and sympathised with the whole stress of work/family/self balance. Its never easy. Am a mum of 4 (one with special needs) and at times it seems a never ending battle. However that particular child has just achieved his Masters and landed a fab graduate position so all the rounds of battles with Sencos and LAs over the years seem to have paid off. You are doing a fantastic job with it all and the amount you manage in an average day is amazing. I am exhausted from reading it lol. Fab mortgage reduction and lots of great info on vouchers and sites like Zeet which I had never heard of. Looking forward to keeping up with your diary.
    Starting Mortgage 01.08.08 171,209.24. Mortgage as at 01.09.15 - 54,780.04; 01.11.15 49,577.04;01.03.16 45,799.32; 01.08.16 42,418.93; 01.10.16 40,119.5 01.02.17 36,584.00; 01.04.17 34,694.71 09.06.17 32,828.89 MFW Target date Sept 2017; :) 06.08.18 24,769.47 New Target Date Sept 2020
    • museumworker
    • By museumworker 12th Aug 18, 11:06 AM
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    museumworker
    Hi Chumpy, thanks for stopping by, and for reading all of my diary, you deserve some sort of medal! So pleased to hear how well your son is doing, and all those battles have paid off. I always feel like I'm not doing enough so it is very thought provoking to hear the opposite. It really is never ending sometimes! I'm glad you have got things out of my diary too.

    I can't believe how quickly the last month has gone. DD2 has her last week of nursery this week ! I had a lovely short break with DS to the south coast to visit friends this Thursday/Friday, the weather was dire but we played absolutely loads of board games which both boys loved. We used some of DS birthday money to order some of them too, is great to know which ones he likes (and I can tolerate!)

    DS's DLA application is in, and now we are waiting to hear back.

    We go on holiday a week today, but I have a passport emergency with DD1, it is stuck on checks and our countersignatory is out of the country. That will be the main focus this week.

    I sold DD2 cot bed for 40 after fees - not a huge amount, but it has been collected and gone to a good home.

    Today I'm using a free ticket to take DD1 to the Warn3r Br0s studios, I'm really excited!

    I've also renewed my NU$ card as the discount has proven really useful in the last year.

    To do today:
    * find letter with DD1 diagnosis
    * shower and dress
    * feed cats
    * lunch out?

    To do later this week:
    * call passp0rt office on Monday
    * apply for refund for delayed train
    * update YNAB (about a month behind !)
    * thank you gift for holiday club (use bananas from freezer for lemon drizzle?)
    * thank you gift for nursery staff
    * finish house manual
    * share house manual
    * print house manual
    * print off 2x forest walk maps
    * book haircut
    * doctor's appt
    * evening out
    * pizza lunch with DD1
    * clean and tidy house (I'll break this down further each day)
    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 13th Aug 18, 11:01 AM
    • 1,943 Posts
    • 11,213 Thanks
    themadvix

    * thank you gift for holiday club (use bananas from freezer for lemon drizzle?)
    Originally posted by museumworker
    Was this an error? If not, please can you share?!

    to passport! Hope you get that sorted. Where are you off to this time? (Or have I missed when you've mentioned it).
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • museumworker
    • By museumworker 13th Aug 18, 7:27 PM
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    • 12,500 Thanks
    museumworker
    Not a mistake - I tried a friends and it was amazing! I've made my own using this recipe
    https://www.telegraph.co.uk/foodanddrink/recipes/9948187/Mary-Berrys-banana-with-lemon-drizzle-cake-recipe.html

    We're off to Amsterdam for two weeks.

    Passport office called again, and if checks go through we can pay 92 to fast track the printing !
    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 14th Aug 18, 9:00 AM
    • 1,943 Posts
    • 11,213 Thanks
    themadvix
    Ooh, fab, thanks for the recipe!

    Amsterdam is on our to-go list, but we've never made it yet. Very envious of your house swapping - just don't think a) our house would be as swappable and b) the cat detritus would be so popular!

    Ouch to the passport - that's so kind of them!!
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • museumworker
    • By museumworker 15th Aug 18, 6:25 PM
    • 2,100 Posts
    • 12,500 Thanks
    museumworker
    Hope you like the cake!

    I haven't been to Amsterdam for nearly 20 years so looking forward to having lots of time there. We swap with people with pets so I wouldn't rule it out!

    Passport has been another 24 hours of pure stress, an 18 urgent next day delivery, plus some expensive calls. I got a call this afternoon, I think they said it has now passed checks but the line went dead so need to call back to sort out fast track payment. I won't be sure it'll be ready until it's in my hand!

    Anyway, the out of office notification is ON!!

    There is still a lot do House wise before the swap but good news is I have a quiet couple of days at home with DS and the whole of Saturday so not in panic mode yet. We did some jobs over the weekend - hung picture shelves we bought a few months back from Ikea (they look great!) We also ordered a new wipeable tablecloth online which came today, looks nice and was not too expensive. Waiting to see if new shower curtain comes too, that was 50% off so a whole 7.50 in the sale!

    I've seen a well paying flexible opportunity in my field that could work around my existing job and not be too onerous in terms of hours, so planning to squeeze a job application in this evening ! If I get it I would like to put it all to overpayments, let's see what happens.
    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
    • EagerLearner
    • By EagerLearner 21st Aug 18, 6:51 PM
    • 4,941 Posts
    • 7,805 Thanks
    EagerLearner
    Have just read all your diary and loved it, especially the focus on mindset and less stress. I'm planning to have a diary soon to motivate us to pay our mortgage off now as we're at 89,800 now ��
    MFW #185
    Mortgage slowly being offset! 88,601.08 /63,528.82 virtual balance
    Original mortgage free date 2037/ Now Nov 2034 and counting
    YNAB lover
    • museumworker
    • By museumworker 9th Sep 18, 11:58 AM
    • 2,100 Posts
    • 12,500 Thanks
    museumworker
    Have just read all your diary and loved it, especially the focus on mindset and less stress. I'm planning to have a diary soon to motivate us to pay our mortgage off now as we're at 89,800 now ��
    Originally posted by EagerLearner

    Thanks EagerLearner for stopping by with the kind words. Our mortgages are around the same size so will follow your diary with interest.

    Back from hols, Amsterdam is amazing for young kids we had some brilliant days out, park visits, bike rides, canal trip. DS shocked us by being able to ride on his own bike on the roads , by our last day he rode 10 miles! Public transport is quite expensive there so we used our house swappers bikes as much as possible. DD1 got ill and we needed to take her to the doctors, which you pay for there. 130 later she got some great antibiotics which cured her tonsillitis but she did spend the best part of a week in bed. We didn't set a budget, but if we had we would have blown it! We went out for a date night there, took the kids to Foodhallen, and had another meal or two out. We did do packed lunches and cook at home most nights so overall I think we had the right attitude, I wouldn't change anything. We also parked the car in a few parking area the other side of town and got public transport to collect it which saved us 30 a day!

    This week DS has started Yr 2 and DD2 starts reception on Monday! I'm feeling pretty worn out and a bit apprehensive about going back to work tomorrow which is unusual for me. I think I'm at overload point at work so will talk to my line manager about it.

    We had a shock this week - we've been paid by the DLA which means DS has been awarded something! I'm waiting for the letter but really pleased as between that and losing the cleaner that adds up to the amount my salary reduced when I went part time to have more time and headspace to cope with the kids better.

    Had a successful day out with kids at local beauty spot yesterday, packed lunch and flask of coffee taken so also free!

    I've started doing the organised mum method which meant the house looked great this weekend and also being doing a spot of yoga most evenings l, loosely following Yoga with Adriene September calendar. These two things have definitely set me up well to cope with challenges of having both little ones on my own.

    OH on way home so am considering popping out for swim or spa session when he gets back as pretty exhausted.

    Intentions for the week
    * continue with TOMM
    * continue with Yoga
    * early nights (lights off by 10)
    * cycle home from work
    * speak to work about workload
    * update YNAB (a LOT of work!)
    * write one blog post
    * finish book
    * listen to free audio book about kindness to oneself
    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 10th Sep 18, 7:28 AM
    • 1,943 Posts
    • 11,213 Thanks
    themadvix
    Amsterdam sounds great and it sounds like you found a good balance between saving on lunches etc and enjoying being away.

    Great news about DLA!
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
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