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Buying a little piece of Middle England; Manifesting my way to mortgage free.

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  • Well we've just had some colourful characters collect all the boxes we had stored and listed on Fb. Around 50 of them, so one entire half of the garage is empty now woop. I still have the odd box to empty but the majority are gone. Someone took a whole boot full the other day and I kept some back for a guy who is collecting this evening too. I had over 100 boxes packed :hushed: no wonder it took so long to pack! Anyway this guy who just collected brought his mother in law, his partner and her son. So there was no room in the car for boxes :lol: so he stayed behind whilst they ran them back. THEN they all came back again so he was shouting at them telling them they're stupid for all coming back again and there is no room now, and they were all arguing on my drive :joy: I couldn't help but chuckle. So anyway we suggested we would just put all the boxes at the end of the drive now and they can take them back and forth in their own time rather than one staying behind to talk to us whilst the other three drove back and forth :lol: I love people watching......I ended up getting his whole life story though :lol: And also his partners, and her sons, oh and his mother in laws :lol: and all their current arguments with landlords and being grassed up to the council. 

    Anyway. The shopping. So I spent £191.36 on filling cupboards, freezer, fridge. Then £19.90 on bulk bags of pasta, rice, chickpeas. I got lots of baking stuff, packed lunch stuff and cereals etc so the money went quite far I guess. 

    I emptied out a couple of boxes onto my dining table so they could take those too as they were large ones. So my job this afternoon is to find temporary homes for everything. We seriously need some shelves up somewhere as I am out of space for all the stuff that has arrived today. DP has made temporary shelves for the books. We transported them in banana boxes, so he turned the banana boxes on to their sides and nailed them to the wall :lol: and then displayed the books in those, so we have makeshift banana box shelves...they actually look pretty good, and definitely unique :lol: but needless to say, the snug is most definitely being done first so we can build some shelving in the alcoves...

    I have ingredients for vegan rocky road & protein balls so I might make some of those over the next couple of days. In fact if I were to take the ingredients of just those two recipes they probably came to ...omgosh, I just added it up....£17.32 🤨😒😐😏 yikes, that will be why my food bill was so expensive! However, the kids and, well, in fact all of us, haven't had many HM treats lately because I was trying to cut back on the food bill for moving so well deserved I think :smiley: we will enjoy them that is for sure. And most of those ingredients I won't need all the pack for so there will be lots left over for other snacks (raisins, biscuits, etc and sugar and butter for other things). 

    I haven't got an awful lot of money left now after paying for all the back to school stuff, the green bin, the shopping and the big shops we did the other day for cleaning stuff. That refund has best come in soon ....!

    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • OH, and I shopped in Ice land, Mr W & Mr T! How exciting to be able to go to them all :lol:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,515 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    All possible positive vibes for your DP for tomorrow. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Thank you Beanie 🙏🙏🙏

    I've just cashed out £11.13 on surveys.

    I'm having trouble with the YNAB again. I'm messing up somehow when transferring from my savings to my account to DP. I need to go back through everything again... It's tiresome and I'm going to quickly get fed up with this. 
    I had already started a new budget to try and help myself but it's not really helped at all so I may try re-doing the entire thing again from scratch. But when I've got time. 


    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • I've been online searching for cheap and easy ways to get some shelving in the alcoves. We've books and books and knick knacks and ornaments EVERYWHERE right now. They've all come from our old shelves which we built in so obviously left behind. I don't think I can bare to look at 'stuff' lying around for long. The makeshift bookcases we have are only five banana boxes high 🤣 and don't hold very much. As cute as they look 🤣We built the last lot of shelving from scratch before and they ended up costing quite a bit and DP and I spent a whole week doing them (making, priming, painting, finishing touches to make it built in etc) so I thought I'd help him out by scouring the net for some ready built instead this time.
    I've found Billy bookcases which my sister has, with the extension on top they are almost the perfect size, £150 for both alcoves and with extension too 🤔 I'm not sure if that's cheap or not but all I know is it's a job I can pretty much do myself and have done in a few days. Rather than waiting weeks or months for DP to build them from scratch. 
    I will wait until I have my refund in and pay back DP parents and also funds we borrowed from then see what's left. This might have to be one of those ....I need it because it will drive me mad if I have to put up with this for much longer kinda jobs 🤣

    Kebabs went down well for dinner. 
    I'm exhausted so dog is not getting a walk from me, DP said he'd do it ...I'm off for shower and maybe a little catch up on here and then sleep (I hope!)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,515 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I would go for the bookshelves  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Check on your local marketplace, we have Billy and Kallax coming up all the time on FB 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • I've set an alert on FB for them @dawnybabes
    I saw two bookcases on there that weren't billy ones and the perfect size but they'd already gone- boooo. Then I had a search on t'net and found the billy ones....my sister has them so I was asking her to send me pictures last night 🤣 she's a book hoarder and they seemed to hold a lot without bowing in the middle so I think I will go with them. I will definitely try FB first though and see if I can get a bargain. 

    Today's jobs is to make a nice dinner - sticky cauliflower this evening with some spring rolls we found in land of ice and some sticky rice. DP's fave....I said it will be his celebration or commiserations meal after his interview 🤣. He wasn't impressed with that, and said he was going to get the job and that was the end of it. I liked his determination 🤣😄

    I need to make sure kids have everything they need today for school. And clean outfits and named everything I can for DS. I've never known anyone like this boy, he can be in a place one day and lose three items. There's a running joke and ongoing bet amongst anyone who knows him on how much will he lose in the first week back. 🤦‍♀️ If only it wasn't so costly I would laugh too. In his primary school I ended up making friends with the teacher who was in charge of lost property because every week at least once I'd be there looking for his stuff. In the end she told me to help myself to whatever wasn't there because most of that uniform had been there years. So at least I wasn't out of pocket there 🤣

    I slept better last night. Glad of that as I was getting grumpy yesterday and had an awful headache. I crashed before 10pm yesterday and slept ok.

    My job today is to clear the dining room. AGAIN. I emptied those boxes for the family who turned up and kind of left it all on the table. Nothing really has a home this is all shelf stuff ....crystals, ornaments, more books, folders. Hmmmm not really sure where to put it all there are no shelves that were left here. I'll get creative for now, but shelves are definitely needed. 

    Right cuppa time....
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Best of luck to your DP on the interview today.  I have Billy bookcases and they are perfect for books and knick knacks and need another one but the one I need to match the others I have doesn't come up on marketplace that often 😆
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • Thanks Ruby! He's already on his way there now, I have sent him off with packed lunch, and tea and other bits and bobs, DD walked in and said, well I didn't realise you spoke to him the same way as you do to us kids 😏 Apparently I was mothering him making sure he had everything 😁 he didn't seem to mind and appreciated a cuppa on the road and food to eat.

    I've had to ask DS2 to turn his music down, I still have a headache. And all I can hear is bang bang, thump, thump of the bass of whatever he's listening to. This is my karma for my mum having to do the same to me with my rave music in the '90s I just know it :lol: I am making a conscious effort to hydrate today as I think that is what is causing my headache. 

    I cleaned our room today- well the ensuite. Bear in mind it looked clean and this is the one we have been using after a quick spray round and shower it off on move in day...I have just had to throw away a cloth and a magic sponge after I got black off everywhere....I call it a colour rather than a thing because I am unsure what it is. It's not mould it was on the walls with finger prints. I think it may be oil or just grime as the old owner was a welder so I think it's dirt from that. There are more grown man fingerprints around the house than toddler ones put it that way :lol:

    I am going to make a list today of jobs because I am getting ditzy going round in circles and overwhelming myself with what needs doing. So today I would like to :-  
    • Hoover downstairs
    • Hoover both sets of stairs
    • Hoover upstairs
    • Clean the window in my room
    • Hang the washing out
    • Prep dinner
    • Check to see if my bike is okay to use
    • Pop to the shops to see if I can get some more curtain hooks for the dining room. We bought two sets of curtains in Ikea the other week and they fit perfectly in the dining room! Bargain too for £14 we got two sets and they match the colours already in there which is helpful. Not enough hooks up there for two sets though so need more.
    • Feed kids lunch or else they eat all the snacks.
    • Do a bit more garden clearing
    • Clear off the dining table- I have realised most of what is left is glassware or tupperware! SO just need one cupboard to squeeze them into and if I can't find enough cupboard space I will put them in a large plastic box with lid and store in the conservatory which is fast becoming our larder are- it has the fridge, freezer, dog food, all bulk food in so what is another box with some tupperware :lol: it also has the spare sofa and wingback chair waiting for somewhere else to go...
    DP interview is at 1:30 I think he said 🤞so I will be waiting by the phone after that time to hear how it went. He should be home by 5pm so I will prep an early dinner. Kids need to be in bed earlier than they're used to for school tomorrow (yay I cannot wait!!!!)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
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