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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,441Posts
    • 26,062Thanks
    earthgirl
    Earthgirl's Final Battle
    • #1
    • 13th Jan 18, 7:55 AM
    Earthgirl's Final Battle 13th Jan 18 at 7:55 AM
    Hello all,

    My last diary was unceremoniously deleted by the powers that be, and although I have tried to get it back the nice people at MSE towers can't reinstate it (just doing their jobs). I think the title might have offended somebody

    So as my last post was my goals for 2018 - where I laid out my plans for 2018 and hope to finally pay off this mortgage taken out in Nov 2013 - Its actually quite a good time to start a new diary.

    This will be my final battle - I have £11, 687 to pay off. I am also saving for holidays and travel.

    Thanks to the ed team for giving me access to a few posts - here is my last post:

    We have saved £28,000 towards our mortgage in 2017. Providing we pay the endowmwnt payments £50/month each times 2 endowments for 1 year and 3 years respectively, and that the endowmets make the mid estimated pay out, we need to find £11, 687 to pay off the mortgage.

    At one time I wanted to get that paid off in 2017, but I wouldn't swap the holiday for OHs 50th, which was our other big expense this year.

    So goals for 2018

    **Health**
    Whole family lead an active and healthy life (sleep, hyrdation, 5 a day, healthy food, acitve every day, less alchohol). I'm pretty well organised with this.

    **Wealth**
    Save £1000 per month to pay off mortgage by 2019. This is the year!
    Make an extra £400 / month an allocate to holidays and travelling
    Subject to revision if OH has periods of no/low income.

    **Life Well Lived**
    Lots of activities with family
    one to one time with kids and oh
    be present and mindful - less distractions when with family
    plan travel and holidays
    make more time for all of our hobbies - reading, gardening, languages, boys football.
    seeing friends and family a priority (cheaply, and for the kids too!)
    simplify life a bit more, and declutter life and home."

    And for good measure here is my first post from my last diary:

    My new diary is so named as the first morning we woke up in our new house after running out on our old life, we all ended up dancing around the living room playing air guitar to this tune. DH and I had a bit of a moment as reality set in!

    We decided fairly quickly to move on from our old secure little life, with reasonably secure income and no mortgage, to take a chance on our dream house by the sea. With a bit of stress and 'homelessness' in the middle we now the owners of a lovely family home on the west coast of Scotland. We had savings of about £250,000 thanks to mse and this board in particular, we have spent about £20,000 on the move itself, and now have to pay off £147,500 for our new mortgage.

    Only problem is we have little income as I gave up my job and dh is remodelling his business, but we have lots of positivity and determination!

    I'd like to set a target of paying it all off in ten years. I'd like to pay off £10,000 in the next 12 months.

    Off we go.... ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif) ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif)

    old diary here http://forums.moneysavingexpert.com/showthread.php?t=3978475"
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
Page 33
    • earthgirl
    • By earthgirl 2nd Jan 19, 5:23 PM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Don't feel bad about the carbon footprint. I think you go above most to be 'green' elsewhere to make it neutral.

    I think treating yourself is a good idea.

    P.S your inbox is full (didn't want you to think I was being ignorant)

    x
    Originally posted by WannabeFree
    Its always full sorry! All sorted now.

    Had a lovely day. Took the kids to the park this morning. My brother gave me £10 to buy the kids a selection box each at Christmas but we have so much choc - and are trying to reduce sugar consumption, so I spent some of it on the popcorn, lentil snacks and fruit laces type things instead. I know they still have sugar in but any reduction helps.

    Played with the kids this afternoon as it was quite cold out. Just catching up on a few diaries. Going for a shower and then out for tea at a relatives .

    My 'one thing per day' from my goals has been to implement an envelope system from my groceries. System I copied from funcheaporfree.com!
    Last edited by earthgirl; 02-01-2019 at 5:27 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • WannabeFree
    • By WannabeFree 2nd Jan 19, 5:28 PM
    • 3,365 Posts
    • 31,297 Thanks
    WannabeFree
    It has been a lot colder today here too. I think the warmer period (even though very wet) before Xmas led me into thinking we where going to be luckier weather wise this year.

    Sounds like a lovely day and good idea on the boys spends. Mine love popcorn even more so if we pop it in a pan and not a microwave. Youngest really finds it hilarious!

    Have a lovely evening with relatives
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £1561/£2070
    • earthgirl
    • By earthgirl 3rd Jan 19, 5:16 PM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Arrghh my cold will not be gone! Maybe its a second cold? Anyway up a lot in the night and awful sore throat today - could only just speak today at lunch club, but it was quiet anyway. Took the boys with me to 'help'.

    OHs birthday today. He is treating it like any other day, but we are going out for tea at his mums later - a very cheap birthday. I made a voucher up for the barcelona holiday and he seems quite happy that we are all going.

    My 1 thing to get me closer to my goals that I did today was more education about sugar/ teeth for the boys. A couple of video clips watched and we looked at some packaging too.

    This afternoon we watched a lovely film together and relaxed. Tomorrow afternoon we have some friends to play and are going on a walk with them. Same Saturday morning - ds2s friend to play. The first week of school I'll leave the play dates but the week after I'll get into a routine of asking one child per week, alternating choices.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • earthgirl
    • By earthgirl 3rd Jan 19, 5:45 PM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    This is how far along I am. If I am well enough tomorrow, I want to do all of the things that are in my normal routine - surveys, work on ohs business, yoga etc - it will be good to get back to normal!

    Health!
    Beat Sugar addiction - cold turkey from today. This is hard but having an impact.
    Reduce sugar intake for family - educate them, research new recipies, try new recipies,
    Continue healthy diet and hydration started in 2018 - review
    Regular yoga and meditation (me and kids) - maintain new habit
    Regular strength exercise - maintain new habit
    10000 steps per day - walk every lunch time, charity shops and job spotter
    Regular beach walks - sat and sun -pick up litter

    Joy
    Travel trips planned for 2019 - no action
    Continue to plan experiences for 2020- no action
    Kids continue to play football - no action
    Kids continue to see friends and family regularly - organise playdates
    Family time together every week - establish tues and sunday games night when schools return
    clean and tidy environment home - maintain cleaning schedule
    Clean and Tidy work - focus on marking and filing

    Achieving
    Achievable Budget in place incl income goals -envelope system
    finances in order - complete banking check - sort childrens regualr savers
    Income goal set and strategies in place - maintain surveying habit, maintain work on OHs business.
    Moving fund in case of having to move catchment areas - no action needed
    Daily routine is simple and achieveable -'set and forget' more things!- - maintain routine

    Responsible
    Do more to help the Environment - pick up litter walks, maintain new higher level of recycling habit
    Do more to help the community - no action
    Children to become more responsible for themselves - introduce new pocket money system
    Children being more responsible for their things - introduce new walk to collect system if they forget their things
    I need to be more responsible and put more effort into achieving the things I want to achieve - no one is going to do it for me!- maintain daily planner ticking off habit
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • apple muncher
    • By apple muncher 3rd Jan 19, 5:55 PM
    • 8,496 Posts
    • 65,301 Thanks
    apple muncher
    I'm going to be giving dd more pocket money from this month - but she'll have to fund her charity shop buys from it!
    NST March WINS #1; NSD 14/15; Ex 9/20; craft (12); remove 10 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • earthgirl
    • By earthgirl 5th Jan 19, 8:43 AM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Yes think it's good to teach them to be resonsible with spends. It's funny that mine don't seem to want an item when I say they have to buy it themselves. It's hard to watch them make mistakes, but it's better to make mistakes now than later in life. DS1 bought lots of football cards with his birthday money and then couldn't afford new items from the sports shop when he wanted to. This time he has kept all of his Christmas money and is looking forward to buying things in the spring.

    Yesterday lunch club was quiet. I took some tupperware and brought home soup and sandwiches as they would have been binned. Today we have one of ds2s friends to play and lunch, and then one of my friends and her 3 children coming for lunch too (I'm a bit worried about her), so we should use it up.

    Yesterday I managed a weekly shop (£47) well stocked up on cleaning products as there was a sale. I have £3 to spend on bread if I need it.

    I think I'll try to invite my friends - all mums - here at least once every major school holiday - Christmas, Easter, Summer and October. A walk and a snack here is fine - doesn't have to be lunch etc. The boys can chose a couple of friends too. Grouping it all together means that I don't have to do lots of tidying up of toys etc!

    Still not feeling 100% so I'm not counting this week as a week of achieving. Managed to create a date night in meal with OH last night which was a nice way to relax.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • earthgirl
    • By earthgirl 5th Jan 19, 9:08 AM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Off my list today I've found a couple of recipies for getting the kids sugar free.

    I am looking for quick recipies and I'm going to try the following.

    https://www.inthekidskitchen.com/baking-with-kids/greek-yogurt-chocolate-muffins/

    https://www.inthekidskitchen.com/baking-with-kids/black-bean-brownies/

    https://sugarfreelondoner.com/low-carb-english-muffins-microwave-recipe/

    https://thesugarbreakup.com/2015/01/04/sugar-free-scones/

    http://www.recipesfromanormalmum.com/2017/08/08/sugar-free-pancakes/

    https://www.craftsy.com/baking/article/sugar-free-muffins/

    I like this blog and will have a look through later:

    https://sugarfreelondoner.com/
    https://www.healthymummy.com/recipes/
    Last edited by earthgirl; 05-01-2019 at 8:56 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • Karmacat
    • By Karmacat 5th Jan 19, 9:29 AM
    • 31,108 Posts
    • 182,794 Thanks
    Karmacat
    Those are useful links, thanks for that. My sister's going so sugar-free she currently won't drink fruit juice, which is freaking me out a bit, as I certainly weigh more than her ...
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • WannabeFree
    • By WannabeFree 5th Jan 19, 12:33 PM
    • 3,365 Posts
    • 31,297 Thanks
    WannabeFree
    Everything sounding good EG Although I hope you're feeling better.

    I will have a look at those links too thank you for sharing

    Hope you have a lovely weekend
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £1561/£2070
    • earthgirl
    • By earthgirl 5th Jan 19, 5:17 PM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Thanks for poppping by. Busy day today, one play date this morning with lunch, followed by another this afternoon with my friend and 3 children. I habent seen her for while and I was a bit worried. Im even more worried now, she is really in trouble. I have to let her make her own way with things but I've just let her know that I'm here for her. Still quite shocked about what's happened/happening.

    So I need to shake myself and get on with what I need to do here- tidy up, do tea, bath kids and me.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • beanielou
    • By beanielou 5th Jan 19, 6:30 PM
    • 61,827 Posts
    • 265,002 Thanks
    beanielou
    All you can do is be there for your friend.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • earthgirl
    • By earthgirl 8th Jan 19, 7:25 PM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Very stressful situation for my friend, I hope she's ok. It has made me really grateful for all I have.

    Monday was hard - everyone back to school/work. School bus broke down, OHs car broke down and he was sad about selling something - end of an era. On the plus side, I managed a brilliant walk on Monday in town, and today I found a great walk near school. I did my strength workout and meditation in a clearing in the woods near a waterfall - just amazing and two steps from my normal route. Found the path on google earth.

    Im looking in charity shops for presents for Xmas 20. I don't want to spend more than normal, so I am looking out for nice things for £3/4 so I can put them together.

    Bought cheap Xmas paper and cards for pennies.

    Spent £10 of my Xmas money on a new leather jacket - its really fitted and biker style, and a reg@tta winter coat - really lovely and fits so well!
    This will save me money as I'd have had to buy one next year. I need to be careful that I don't spend randomly in the charity shops.

    I need:
    10 male presents (3 of these slightly bigger)
    5 female presents (4 of these big)
    2 neighbour presents
    1 x mums birthday
    2 x mothers day
    1 x fathers day

    I know that I could bake things and make things but I'm just not that good and don't have a lot of free time at home, so the charity shop thing gets me walking, saves time at home and is supporting charities.

    My no sugar baking has been going well - kids enjoying pancakes and scones for snacks so far. Still got a lot to do but getting there!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • beanielou
    • By beanielou 8th Jan 19, 9:40 PM
    • 61,827 Posts
    • 265,002 Thanks
    beanielou
    2020 already
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • WannabeFree
    • By WannabeFree 8th Jan 19, 9:43 PM
    • 3,365 Posts
    • 31,297 Thanks
    WannabeFree
    Very organised!

    Hope your friend sorts her situation and it improves

    Hope work is easier now everyone is settling

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £1561/£2070
    • earthgirl
    • By earthgirl 10th Jan 19, 8:29 PM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Thanks my friend is doing ok!

    I'm so glad it's almost Friday!! This week has gone really well. I've had loads more energy but I don't know why. I guess I have completely shaken off the virus I had last week, I've been walking more and eating better. I've done all of my daily to do list (my reward is a pamper night on Fri) and I'm really enjoying having everything in my diary instead of lists here and there.

    It means my diary is prefilled each day with the things I need to do which I thought I'd hate - but I LOVE it. There is only space for 3 extra to dos every day - arghh - but it works because that's all I actually have time to do. The rest of the time I do need to be doing work on ohs business/ surveys/ cleaning/ exercise/ making breakfast/ lunches/ teas/ packing bags etc. So having it all in my diary every day to cross off with only a little space for extra tasks means I'm expecting less of myself and remembering to do the important necessary things.

    I've also been loving my countryside walks and charity shop walks at break/lunch. I work with other staff during the rest of the day - I'm not isolating myself and the little walk I do is so beautiful and gets my steps up to 10k.

    I found 6 female presents for Mothers day, birthdays and xmas 20 - for £15 which has gone to charity via charity shops, and saved me a lot.

    I'm sticking to my £50 shopping budget per week well, but I need a fairly big shop on Friday and hope to get it for £31.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • beanielou
    • By beanielou 10th Jan 19, 9:05 PM
    • 61,827 Posts
    • 265,002 Thanks
    beanielou
    Wow, you were lucky with your charity shop finds
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • earthgirl
    • By earthgirl 13th Jan 19, 8:27 AM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Thanks beanie. Yes I just need to find male presents. And it's not xmas 20 I'm shopping for its 19! getting totally confused with my years!

    Anyway, lovely end to the week. Shopping was £8 over budget and me buying healthy snacks has been the problem. Its definitely a problem and I need to not buy anymore now. We are full of fruit and nut based snacks and I really don't need anymore.

    The upshot is that I have completely lost the sugar cravings and feel totally free and in control - now to keep that going. Things with the kids are going well too, although the school lunches are a bit hit and miss!

    DS1 has hurt his hamstring which scuppered our Saturday plans yesterday. I need to have a few things planned for when this happens as it was hard work yesterday for lots of reasons. I ended up really tired and needed a nap - why when I normally have so much energy? NSD but not one of my best!!

    Anyway I cooked a really nice qu0rn meatballs meal, and we had family film night which was lovely.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • Karmacat
    • By Karmacat 13th Jan 19, 10:14 AM
    • 31,108 Posts
    • 182,794 Thanks
    Karmacat
    Glad to hear its not 2020 you're shopping for

    And *very* well done on losing the sugar cravings, thats really impressive - I still don't keep sugary snacks in the house, even though I don't eat them regularly at all, if I do have them, eg over Christmas, they go all at once.

    Sorry to hear DS got hurt - but your family evening sounds lovely, I bet *everyone* ennoyed it
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • earthgirl
    • By earthgirl 13th Jan 19, 3:04 PM
    • 2,441 Posts
    • 26,062 Thanks
    earthgirl
    Thanks Karma, today has been so much better, thanks to OH. Explained how I was feeling and he said I put too much pressure on myself to be 'supermum'. Yesterday they looked through activity sticks and made a few choices. We baked cookies, wrote a comic book and played a few board games, which I just have to accept for a rest day. Today OH has helped to make sure things are a bit easier for me.

    So here are my goals and my '1 thing per day' that I am doing to get me moving ever so slightly forward with each thing.

    Health!
    Beat Sugar addiction - done. MAINTAIN! - weekly check in on Wednesday
    Reduce sugar intake for family - educate them, research new recipies, try new recipies - Done - MAINTAIN. Monthly check in
    Continue healthy diet and hydration started in 2018 - review Monthly check in
    Regular yoga and meditation (me and kids) - Kids don't like doing yoga every day where as I love 'self care yoga' I think I am going to do this in the evening and ask them if they want to do it too rather than us all do the kids yoga and no one enjoy it. Action - Self care yoga pm.
    Regular strength exercise - maintain new habit
    10000 steps per day - walk every lunch time, charity shops and job spotter maintain
    Regular beach walks - sat and sun -pick up litter - START - this has not been done. Think of ways to make this easier and just start.

    Joy
    Travel trips planned for 2019 - no action
    Continue to plan experiences for 2020- no action
    Kids continue to play football - no action
    Kids continue to see friends and family regularly - organise playdates - maintain when DS1 better as they love to run around with friends.
    Family time together every week - establish tues and sunday games night when schools return maintain
    clean and tidy environment home - maintain cleaning schedule
    Clean and Tidy work - focus on marking and filing - make this a priority

    Achieving
    Achievable Budget in place incl income goals -envelope system - maintain
    finances in order - complete banking check - sort childrens regualr savers
    Income goal set and strategies in place - maintain surveying habit, maintain work on OHs business.
    Moving fund in case of having to move catchment areas - no action needed
    Daily routine is simple and achieveable -'set and forget' more things!- - maintain routine I've done really well at this

    Responsible
    Do more to help the Environment - pick up litter walks, maintain new higher level of recycling habit
    Do more to help the community - no action
    Children to become more responsible for themselves - introduce new pocket money system - going well - maintain
    Children being more responsible for their things - introduce new walk to collect system if they forget their things going well - maintain
    I need to be more responsible and put more effort into achieving the things I want to achieve - no one is going to do it for me!- maintain daily planner ticking off habit going well - maintain

    The things I want to work on this week:

    1. Clean and Tidy work - focus on marking and filing
    2. Regular beach walks - sat and sun -pick up litter
    3. PM Self care yoga
    4. Banking check and kids regular saver
    5. maintain daily planner ticking off habit
    Last edited by earthgirl; 13-01-2019 at 3:08 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • Karmacat
    • By Karmacat 13th Jan 19, 3:23 PM
    • 31,108 Posts
    • 182,794 Thanks
    Karmacat
    "I need to be more responsible and put more effort into achieving the things I want to achieve - no one is going to do it for me!- maintain daily planner ticking off habit going well - maintain"

    Ahem. Your OH agrees with us that you try to be supermum. Stop the effort! No one is going to achieve for you, its true, but no one is going to relax and nourish your reserves for you, either
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
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