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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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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 £6250/7000Mortgage 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)2 -
So glad the refund is through.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
Thank you both
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?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,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 downso 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
3 -
£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
2 -
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.1 -
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……..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
3 -
Well, the good news keeps coming today! DP has been offered the job 🥳🥳🥳 He's really happy and has already handed notice in for his current one! The job is a better pay rate with shares and yearly bonus but his current one has more scope for regular commission, plus the car is included currently so we're not sure how it will equal out as we need to go car shopping now and factor in insurance, tax, servicing etc. From the off I think we will just set up a car fund and pay into that each month. And the wages, well we will soon find out I guess, I think he's been sent a package by the recruiter to okay. He's really excited though and I am really happy for him, it's a definite step up for him and he's ready for the new challenges.
I will do a new SOA I think when we have new figures, new mortgage, new energy prices & water, council tax etc etc in a month or so time. I am still on the look out for PT work too, I am not in a hurry though and want to get something that I enjoy, my MH is too delicate to just be taking whatever I can get like last time....and I don't think we need it, it would just be nice as extra money for the pots, holidays, and treats. All very exciting though, new home, new job, new school, no wonder I am so tired! 😀
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
5 -
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
3 -
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.1 -
Great news for your DP, so pleased for you both.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1
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