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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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All fingers crossed I may have a temporary job for just this week. It's for a local event and it started today. I have already been contacted asking for ID and address etc so first things first.. I need to go and buy some black trousers.
£115 per day and any OT is £13 p/h. That will boost the pots a little this month hey!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
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Huge congrats on the refund, DP's new job and now your temp job - sounds like it's all starting to come together. We have similar issues with electricity stuff here - way too many light switches, an obsession with aerial cables (literally every room has at least one...) and sockets that aren't really attached to anything.Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20173
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Fab on the temp job. Every bit helps!Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
Ahhh, I accepted the role for the week. Didn't hear anything back and had a response to another job I had applied to. This one permanent. So I clicked through to the interview slots and they are only interviewing tomorrow and Wednesday. So I ummed and ahhed as obviously I have agreed to the other temporary one (albeit didn't hear back), but eventually I took the slot. So I have messaged the temp job and explained that I can do tomorrow but I will need time off for the interview and understand it's not ideal and blh blah sorry for messing you around but blah blah what do you want to do
this feels like the times when you're waiting for a bus.........nothing............then three at once. I had to weigh up whether or not I was going to get the job tomorrow or not. I am over qualified for it. But at the same time I explained why I thought I was qualified only for this role because I have been out of the workplace for so long.......so I feel they would accept me for it. It is just retail and my background is retail if you go back far enough in my cv. We shall see. So anyway I have a job interview tomorrow afternoon, 16 hours a week for a new shop opening in the city. I think it will be perfect hours wise and location and the job itself I think will be easy enough so fingers crossed for me. In fact I am tempted to get my DD to apply too for the weekend work.
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
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Fingers crossed for youMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
So many positive vibes your way. Good idea to get DD to apply too!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.2 -
Good luck with the interview, sounds ideal.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 -
Thanks all. DD has applied too but didn't hear straight back like I did. Hopefully it was just because she applied later on in the day and there wasn't anyone at the other end to click a button. Afterwards I saw a supervisory role that might have suited me better. And four hours more. However the pay was something like 40p more and hour for all the stress of supervising 🤔 I'm not sure it's worth it (if you've been reading long enough you'll have heard my woes from the last supervisor job I did).
I'm turning up to the temp job in the morning but I will be ready to walk away if they don't accept I need my break at a specific time (I'm not usually very pushy like this but needs must the possibility of a permanent job has to come first). DP will collect me and drop me and run me back to the temp job if they accept this so hopefully I won't be too long. I can never do anything the easy way. If there is a hard way, I will surely find it. 🤣
I've been shopping for food. And I bought two pairs of black trousers as I wasn't sure which ones looked okay. I got DP opinion and so have one pair to return at some point. He chose the more expensive pair but they are comfier and look nicer on so I agreed too 😄....and I think I should have a pair of black trousers really. My last lot were a size 10....umm that was a few years ago and they'd not anywhere near fit my behind now.
Been busy just catching up on jobs around the house, CV writing (done ✅) and catching up on washing from not being very well over last week. I will make lunches this evening as I need to be at the temp job before 8am. DP is washing up for me after I cooked. And I think I'm about ready to crash. Energy is still quite low. I have my new supplements that just arrived though so have already started on them. Hopefully a boost of vit D and C will help me 😄
DD went out with school friends after school which was really nice, they went into the city to play pool together as its just a couple of roads from their school. ...she has hinted at the possibility of a boyfriend (would be her first proper one!) so I'm looking forward to hearing progress on that one! Both kids are loving the new school so far.
No car news yet. We're hoping DP parents will want to sell theirs as it's nice and easy and we don't need to think about it or put any effort into it (I think we've been through enough changes this last month and are pretty exhausted by them now)...but if not we kinda need to know very soon so we can go car shopping (again) and find something ready for first week of October. DP will be expecting to go to his new head office and he won't have transport at this rate 💁♀️🤣.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
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Morning all, well I think DD missed the cut off point as I don't think she heard back.
I went to the temp job Tuesday bright and early (so early 😴) and I was expecting a pretty easy day. Boy was I wrong. I worked 14 hours in the end as a few of us who pulled our weight were asked to stay on to help. 20,000 steps done (over but my battery actually went what the heck and died at around 9:20pm 🤣), nearly 9 miles done and I also didn't get much of a second break because I ran to town to have an interview. Would you believe it was like divine timing. The boss from the temp job asked the time of interview and when I told him he said it was right around break time anyway! Perfect. So I got DP to collect me and bring me back which I was so grateful for. Because I may have pushed it too much running up and down hills. Anyway the interviewee before me didn't arrive so I got in straight away (yay 5 mins early) and he asked why I hadn't applied for the supervisor role. I said I hadn't seen it but can I do it now? 🤣 So he interviewed for the lesser role but told me to expect a call for another interview the next day if the manager needed more applicants for supervisor. So I left went back to the other job didn't think on it too much. Worked till 10 that night. 😴😴 Didn't sleep very well sadly because my body clock is all messed up with sleeping.
Got up yesterday. Another really long day but I refused the extra hours (politely of course) and left at 8pm (so actually I did work slightly longer than most. Only 18,000 steps and I think it said just over 7 miles by the time I dropped into bed. What a whirlwind. Oh and no phone call all day. All my new colleagues had been asking and I had no news. Around 6 pm I got a call and missed it. So rang it back when I was free....it was the hiring guy and he said the interview had gone really well, we don't need to interview you for supervisor role, would you like it 🥳🥳 yay! So it's 20 hours instead of 16! I start at 10 am...so not even a break today 😀 and he said comfy shoes lots of walking 😭 my poor feet 🤣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
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That’s great news, well done 🎉🎉🎉
I hope it’s not as tiring today.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
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