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

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  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Watty1 said:
    Ranting at the RM might just turn out to be a good thing :)
    Agree 👍 
    sometimes a little ‘air clearing’ is a good thing 😉
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It’s all turned out well having a wee rant! 
    I think you would be perfectly suited to an admin job. 
    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.
  • Thanks @HotDog2020 I do wonder if I should call the other job. I hate to be a quitter but this does look to be a full on physical job. I've walked another 7/8 miles again today.... I'm going to think some more. I love a busy physical job but there has to be a limit to how much and this has exceeded it.
    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 the rant helped 🤣🤣 not that anyone else probably agreed but at least we were given a purpose there after that!
    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
  • Thanks @HotDog2020 I do wonder if I should call the other job. I hate to be a quitter but this does look to be a full on physical job. I've walked another 7/8 miles again today.... I'm going to think some more. I love a busy physical job but there has to be a limit to how much and this has exceeded it.
    Listen to your body, it will thank youX
  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks @HotDog2020 I do wonder if I should call the other job. I hate to be a quitter but this does look to be a full on physical job. I've walked another 7/8 miles again today.... I'm going to think some more. I love a busy physical job but there has to be a limit to how much and this has exceeded it.
    Was the other role the one that would require you to have own car and could be long hours though?
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • MFWannabe said:
    Thanks @HotDog2020 I do wonder if I should call the other job. I hate to be a quitter but this does look to be a full on physical job. I've walked another 7/8 miles again today.... I'm going to think some more. I love a busy physical job but there has to be a limit to how much and this has exceeded it.
    Was the other role the one that would require you to have own car and could be long hours though?
    The hours are almost the same so 21 hours I think it said. But yeah own car. I've had a look on auto trader and I could get a run around for it. And we use the joint car for our of work. I looked at the JD this evening with DP and it does suit better. They're interviewing next week so I am going to call them on Monday ☺️
    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
  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    MFWannabe said:
    Thanks @HotDog2020 I do wonder if I should call the other job. I hate to be a quitter but this does look to be a full on physical job. I've walked another 7/8 miles again today.... I'm going to think some more. I love a busy physical job but there has to be a limit to how much and this has exceeded it.
    Was the other role the one that would require you to have own car and could be long hours though?
    The hours are almost the same so 21 hours I think it said. But yeah own car. I've had a look on auto trader and I could get a run around for it. And we use the joint car for our of work. I looked at the JD this evening with DP and it does suit better. They're interviewing next week so I am going to call them on Monday ☺️
    You’ve nothing to lose by contacting them x 

    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • Evening all, I've had a NSD 🎉🙌 feels like the first in weeeeeeks. 

    Shift today was easy (as in short)! I got a good night sleep before (crashed from utter exhaustion) and didn't have an alarm waking me up as I had a later shift. Kids didn't even notice me gone so that reassures me I am not needed really at the weekends (not every weekend anyway). Tomorrow will not be nice. I have to be up at 5am. I'm not too happy about this one. It's one reason why I'm seriously considering the other job now and definitely calling them tomorrow. 
    I used to be an early to bed early to rise sort of person when younger and earlies would suit me. Thanks to middle-agedom I have not had a decent night sleep in years and hate early mornings now. 
    Hoping for another NSD tomorrow.
    I need to reconcile my YNAB. I did it yesterday evening but something was wrong with it and the figures were off. I'm having a bit of a mare with this keep happening and it's becoming like another job keeping on top of it. I like different bank accounts and know where my money is. YNAB does indeed like it when all your money is in one place - maybe two. But it hates it when you're continuously moving money from one place to another like I do (covering overspends with savings or pots usually!) so I think I will pay for another month as new jobs will have settled hopefully, new bills for house and we will see how it goes but I'm loathe to spend a year's worth on it right now. 

    DP did the meal plan this week so I'm not sure what we're having 🤣 I best find out. Bless him he cooked today and we had sausage and mash and the Brussels and broccoli were undercooked to the point the Brussels were flying off plates when we tried to put a fork in them 🤣🤣 it was quite funny though. So I will cook tomorrow.

    I've heard from my uncle today which was nice and surprising. Haven't seen him since the last family funeral. Our family is very fractured. We had a good chat over messages. He has been diagnosed with cptsd as well. I shared some coping strategies with him, he's not a fan of reading though so I didn't share the book I read that was helpful. Be good to see him and other family members but I kinda left them all in London and moved away....he's not a lot older than me so we always had a lot in common. Anyway nice to have someone reach out to me for once it's usually me doing the chasing up.

    Next week I would like to do a few things:-
    * Ring up about that job and see if they wanted me for an interview 
    * Sort the YNAB 
    * Chase up refund from CT
    * Tidy house up 
    * Make a pile for charity as I've seen bits around the house that don't have a home, I don't love 💕 them so I'm happy to release them into the wild to find new homes.
    * Get Xmas stuff out of garage and put in loft now that we have found access to it.
    *Make a list of things we need to buy and prioritise them.
    *New vision board.
    *Library trip
    *Finish my book.
    *Check surveys 
    * Check in on some friends


    Some bits that I will enjoy doing on there and some bits that are just outstanding. Nothing too arduous on my list so hopefully I can achieve it all. 

    DP got in touch with a builder who did some work for us before. We are going to gather some quotes so we have something to aim for going forward on the house work....also need an electrician round. We've had lots of builders/ sparkies/ etc round for other houses we've done so we can work our way through them. My old neighbour two houses ago was a builder too so we will contact him. 

    I've applied for a 0% purchase card to see if it will arrive before we get our new car. I thought we could max that out and put the rest on HP to try and offset some interest charges. Not sure it will arrive in time though.

    DP has been carrying me, metaphorically speaking, all week. He's been so good and so patient with me. He's helped cook, shop, clean and tidy (in fact he's done it all) as well as drop me everywhere and collect me and worked a full time job. I feel very lazy. But he understands I'm struggling with the change and it takes a while longer for me to process it all and calm down and step out of "flight" mode when I am stressed- another reason I'm not sleeping well because of stress. He's been a huge help. I'm so grateful for him and am so glad he's been here to help me. I've been able to calm down and feel less panicked about everything. 🙏❤️.so he's my gratitude for today. And all week really. 

    Okay I'm going to go as I'm tired and need to unwind before sleeping with a book and a sleep tea ☕😁
    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
  • Morning/ Afternoon probably by the time I have written this and posted!

    I started work at 6am this morning. It was tough getting up that early (5am alarm) but once I was there it was okay. I think this job could have been so easy and right for me but there are already so many issues at work that I am looking to bail at the first opportunity. I like the short shifts, four hours suits me, I can do other things around it like look after the house, walk the dog do the shopping and cooking etc. But the job itself ....well put it this way I haven't been trained on ANYTHING, not one thing yet and yet I am expected to supervise many staff members and train them. On Saturday I had around 12-15 people coming up asking me what they should be doing. We were way overstaffed and I spent most of my time splitting up colleagues from gossiping and lounging about. Sunday was so understaffed that we were ran ragged and I had issues with lazy-itus in members of staff and they were refusing to listen to me. Sheeeeesh. This morning I was on an open, no one showed me how to open or how to take in deliveries, I had staff wanting to know what to do. I had a cleaner who was cleaning on her hands and knees instead of using equipment, and not using wet floor signs, not knowing how to use commercial cleaners and also hadn't done any COSHH training. I gave her the basics but this should have been covered by someone (gawd knows who?) I had senior staff members walking around then slating that hardly anything had been done when I didn't have a clue what I was doing because i haven't been trained on their systems, their procedures, warehouse etc. I managed to find jobs for staff members that they got on with but I had to spend an entire hour putting the warehouse straight before I could actually do anything useful. There is no warehouse staff of course (of course??!!!) It is a new very large shop on two floors and the warehouse has been thrown together. Literally. We can find absolutely, nothing! I had to write off so much food this morning - I found 16KG of sugar thrown on top of pastries and cakes 🙄 and milk squashed so badly into a fridge it had exploded everywhere. Oh gosh.......I could go on, I won't bore you with the waste list. Basically though the store manager is out of his depth with this. As is most of the other management team. Not one person has been trained at all. I am trying to do what I can but I am only one person, who has been there less than a week. I haven't been in retail for a few years, but my background is retail and I ran my family business (a dozen shops or so) for a fair few years when younger......I know what good management, systems and procedures and training look like.........this has none of it. It is a shop you will all have shopped in too. I am paid 30p more an hour than the staff I am managing and run off my feet. The senior management are not managing me, I am just doing my own thing. UGH.

    It is a nightmare to be honest with you. I left my shift today at 10 am - scrap that it was around 10.15 by the time I escaped, and rang up about the other job as I was leaving the building! I have an interview for Wednesday. I should be at work. But it was the only time they could see me and I just don't particularly care about this current job to be honest. I will call in sick I think. It will be true too, as I am already sick of the place.

    I walked home today, up a very steep hill, 🍅<-- I was that colour when I reached the top! It took me half hour to walk home. So going to work I reckon it would be around 20 mins. So next shift I will try walking in. So long as it isn't a 6am start :lol: 

    I need to walk the dog yet, it is nice out though so I am out of uniform and in a dress .........how nice to be out of uniform! I will make dinner later and DP has the house looking spick and span so I can just chill for an hour or so. 

    * Ring up about that job and see if they wanted me for an interview 
    * Sort the YNAB 

    * Chase up refund from CT
    * Tidy house up 
    * Make a pile for charity as I've seen bits around the house that don't have a home, I don't love 💕 them so I'm happy to release them into the wild to find new homes.
    * Get Xmas stuff out of garage and put in loft now that we have found access to it.
    *Make a list of things we need to buy and prioritise them.
    *New vision board.
    *Library trip
    *Finish my book.
    *Check surveys 
    * Check in on some friends

    I have a wash on and will put on line when done as it is sunny out. I have walked 14,000 steps and 6 miles already before 10.30am this morning so I deserve a cuppa, some biccies and a movie afternoon I think. I reckon I deserve it! Obviously after I have attended to his lordship (the dog). It is a NSD so far but I do need some more BB cream, I am debating buying another on a.m.azon but I might just cut the top off the old one as I reckon I can probably get another few uses from that yet. I believe the job I am interviewing for is 21 hours so I am wondering if that is 3 x 7 hour shifts which I think I would like better meaning I get 4 days off. I am still not sure what to do about the car issue though. I think I will have access to the shared car for the most part as DP new role is actually WFH aside from the odd meeting and training in the head office. But I will cross that bridge when I come to it. I do need another job though, I can't see the current one lasting long, it is actually worse than the other job I had if you can believe that (long time readers have probably heard me moaning in the past about that)!
    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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