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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
    Aww that sounds hideous ๐Ÿ™„๐Ÿ˜Ÿ
    Good luck for Wednesdays interview ๐Ÿคž
    MFW 2025 #50: ยฃ1139.75/ยฃ6000

    12/06/25: Mortgage: ยฃ65,000.00
    07/03/25: Mortgage: ยฃ67,000.00
    18/01/25: Mortgage: ยฃ68,500.14
    27/12/24: Mortgage: ยฃ69,278.38ย 

    27/12/24: Debt: ยฃ0 ๐Ÿฅณ๐Ÿ˜
    27/12/24: Savings: ยฃ12,000

    07/03/25: Savings: ยฃ16,500

  • beanielou
    beanielou Posts: 95,639 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds dire. Life is way too short.ย 
    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.
  • Crikey sounds like a nightmare, you definetely don't need the stress!!ย 
    Fingers crossed for this other job x
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    25 in 25 So far 1 /25

    โญMy rambling savings Diary ~โญ
  • Just going through my budget spends for this month as money is in short supply!

    Spends that weren't really budgeted for, but sort of were and have impacted the money available in September:

    *Car deposit - ยฃ199 (annoying but unavoidable we need a car by first week of October)
    *Dining out -ย  ยฃ85.85 (some budgeted for but some not)
    *Home maintenance ยฃ79.98 (DP needed a tool to build some stuff and do some DIY his old one broke, some saw of some type)
    *Home items - ยฃ137.13 (some klarna payments and also shoe cupboard and a few other bits needed but again not budgeted for)
    *Contact lenses ยฃ60
    =ยฃ561.96ย 

    And suddenly it all makes sense as to why I am feeling very poor only half way through the month! Eek. I will have to borrow from a pot to pay for food as I have been covering these spends with pocket money, entertainment budget and grocery funds.

    I have been talking to DP, we went to lunch together as he had just had an awkward chat with his current boss, he's leaving to effectively then manage his current managers, and I had had a rubbish shift so we went out to a tea room. We shared a lunch though as I wasn't very hungry so didn't cost too much (thankfully looking at all these overspends)...and I am just not sure what to do regarding work. I seem to attract problem workplaces ๐Ÿ™„ I am unsure about the job on Weds that I am interviewing for, it is indeed a better fit, but I am not sure if it is the right fit. I feel really quite downhearted about it all. I wanted to pull my weight with regards to bringing some money in, but I am unsure what to look for. I agree with both of you MFW & Beanie.....

    None of my experience is particularly recent and I am feeling out of my depth even searching at the moment- I don't know what I am searching for. I have spent a good hour looking on job sites and the same ones are popping up each time. So I may as well stay where I am really. I have accepted the interview on Weds but haven't actually decided if I will show :neutral: Oh I don't know what to do................i will sleep on it and then decide. I think I am too tired at the moment to make a sensible decision regarding any of it. I think I might actually re-word some of my CV with DP help and then drop some around my local area. I know this isn't really the done thing any more but I don't care at this point. I think I would rather work in the local shopping/ office area to me as it will be easy for me to get to. I am not fussy as to what work I do, I'm looking for pocket money not an earth shattering career change, but I do require good support and management and my current job and the last one lacked this. Right I suppose I best go put dinner on.
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200. Aug-ยฃ200.
    Total- ยฃ1362.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1650

    EF- first goal ยฃ300
  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Is it retail thatโ€™s the problem do you think?ย 
    Not sure what your last job was xย 
    Maybe a part time office admin role may be better? Or working in a cafe? Something like that?ย 
    MFW 2025 #50: ยฃ1139.75/ยฃ6000

    12/06/25: Mortgage: ยฃ65,000.00
    07/03/25: Mortgage: ยฃ67,000.00
    18/01/25: Mortgage: ยฃ68,500.14
    27/12/24: Mortgage: ยฃ69,278.38ย 

    27/12/24: Debt: ยฃ0 ๐Ÿฅณ๐Ÿ˜
    27/12/24: Savings: ยฃ12,000

    07/03/25: Savings: ยฃ16,500

  • Would you consider being self employed?ย 
    Maybe dig walking, i know how you love getting your steps up!ย 
    Or dog or cat sitting? There are loads of people who do this around here it seems very popular. This way you can choose your hours and days?ย 
    Anyway something a bit different to think about!ย 
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    Decluttering 2025 So far 403 / 2025
    Decluttering 2024๐Ÿ…๐Ÿ…๐Ÿฅ‡๐Ÿ…๐Ÿ…๐Ÿ…โญโญโญ๐ŸŒธ DS2๐Ÿ…๐Ÿ…DD๐Ÿ…๐Ÿฅ‡๐ŸŒธ
    25 in 25 So far 1 /25

    โญMy rambling savings Diary ~โญ
  • I would go to the interview and get a feeling for the role/company. Also contact local agencies, lots have contracts with large companies/local authorities and may have something that you might not have considered.

    I worked in hospitality for a long time and similar to retail, it's hard to find companies with good training, pay or who even just care about their staff. I've just started to work for the health service, which has great training, but I find it so boring starting at the bottom with years of experience. I too don't value myself enough. Have confidence in yourself and the right job will turn up. Get that new vision board started. Oh and don't let the current job drag you down, say goodbye for your mental wellbeing!
    Mortgage start date Nov 2014ย  - ยฃ90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - ยฃ
    47893.35ย - a reduction of ยฃ42,652 in just over 6 years!ย ย 


  • I would go to the interview and get a feeling for the role/company. Also contact local agencies, lots have contracts with large companies/local authorities and may have something that you might not have considered.

    I worked in hospitality for a long time and similar to retail, it's hard to find companies with good training, pay or who even just care about their staff. I've just started to work for the health service, which has great training, but I find it so boring starting at the bottom with years of experience. I too don't value myself enough. Have confidence in yourself and the right job will turn up. Get that new vision board started. Oh and don't let the current job drag you down, say goodbye for your mental wellbeing!
    DP suggested the same as you too. He wants to just go over my CV first before getting an agency involved, then he said, let them find what will fit with you. But I think for now it would be best to get experience down on my CV. I have 18 months of supervisory experience on there already that is very recent. My management experience is all from 15-20 years ago so I felt was too far back for me to go for those roles. But after seeing the management teams in the last two workplaces :neutral: I feel like anyone could have done them....it's like they've done their time and the role came naturally to them, not because they are actually good at it.ย 

    I am the same as you I find it boring having to start all over. I was running my entire family business when I was 25, we had multiple locations, dozens of staff...........but I hold myself back- I am effectively my own worst enemy. And I choose for some reason to put myself back at the beginning. We should both value ourselves more! Thank you for your support :heart:ย 
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200. Aug-ยฃ200.
    Total- ยฃ1362.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1650

    EF- first goal ยฃ300
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