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

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  • skint_spice
    skint_spice Posts: 13,427 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So glad the refund came through, hope you manage to get some clarification on what amounts are coming out of your account now towards the mortgage.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • So glad the refund is through.
  • Thank you both :smile:
    Well I have been to the opticians, they were utterly useless and rude, she was short staffed so I was patient and not bothered about waiting but she was so highly strung she was trying to serve 5 of us at once, so I asked her for the phone number to ring through and sort it out via their head office instead....they were useless too, could not un-pause my  subscription and couldn't get them sent out with 1 day delivery, and by this point I got irritated and asked them to cancel the subscription entirely. Before she hung up she said, is there anything else I can help you with? :lol: I had to laugh and say, well you haven't really helped me at all, so no, I suppose not eh?!
    So I have been online and found another place to order from and will get from there instead, due tomorrow and cost me £59 I think it was because I had to order over £50 to get free next day delivery, so I ordered her 45 days worth I think? Not sure...will find out when they arrive, I was getting confused to be honest. I might find a different opticians and try to prescribe through them in future. It's not the first time V1s1on expr3ss have been rude to me, considering I pay so much for DD contacts and several sets of glasses for me, DS & DD over the years you'd think they treat their customers kindly. And quite frankly after my week of stress I wasn't really going to take any more incompetence today so they've been binned off. Perhaps I will wander into town and find another opticians.

    Anywho, that is sorted. I also got dog food as he's run out. We also bought a few bits in the shops we'd been meaning to get (compost & new plant holders - for some plants that are well overdue to be repotted and couple of other bits.) Will have to come from pocket money fund as there isn't much else in any other funds....

    I am still struggling with tiredness and headaches today so not got much planned really. DP still not heard from the interviewers, :neutral: really hoping he hears soon- either way. 
    I got my vision board out last night and took everything off, we achieved everything on there that we had written down :smiley: so now to figure out what I want to manifest next...


    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • £6.32 cashed out on pr0l1f1c
    £5 cashed out on Lifep01nts

    I might start putting this aside for savings or MOPs again now I have moved and sorted money issues out!
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Woohoo that you finally have the refund. No idea why on earth it would take a bank so long. You know faster payments……..
    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.
  • beanielou said:
    Woohoo that you finally have the refund. No idea why on earth it would take a bank so long. You know faster payments……..
    Do you know how many people have said that to me...........!! And it is so true!!
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Oh and I had another £11.40 paid out from PO surveys!
    And CM have told DP that his Ex has not reported a late payment yet.....they're not sure whether he needs to still be paying, but we do have this one month to pay anyway as they run a month in arrears. But the guy on the phone thought it might be the last payment this month.....we'll know for sure next week apparently once they have gone through all the CB updates. 
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Another big woohoo from me for your DP.  
    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.
  • Great news for your DP, so pleased for you both.
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