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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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Aww that sounds hideous ๐๐
Good luck for Wednesdays interview ๐คMFW 2025 #50: ยฃ1139.75/ยฃ600007/03/25: Mortgage: ยฃ67,000.00
12/06/25: Mortgage: ยฃ65,000.00
18/01/25: Mortgage: ยฃ68,500.14
27/12/24: Mortgage: ยฃ69,278.38ย
27/12/24: Debt: ยฃ0 ๐ฅณ๐
27/12/24: Savings: ยฃ12,000
07/03/25: Savings: ยฃ16,5001 -
Sounds dire. Life is way too short.ยI 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 -
Crikey sounds like a nightmare, you definetely don't need the stress!!ย
Fingers crossed for this other job xโฅ๏ธ โฅ๏ธ โฅ๏ธ๐ธ๐ธ๐ธ๐ธ๐ธ๐ธ๐ธ๐ธDecluttering 2025 So far 403 / 2025
Decluttering 2024๐ ๐ ๐ฅ๐ ๐ ๐ โญโญโญ๐ธ DS2๐ ๐ DD๐ ๐ฅ๐ธ
25 in 25 So far 1 /25
โญMy rambling savings Diary ~โญ1 -
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 ๐ 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 showOh 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
3 -
Is it retail thatโs the problem do you think?ยNot 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?ยMFW 2025 #50: ยฃ1139.75/ยฃ600007/03/25: Mortgage: ยฃ67,000.00
12/06/25: Mortgage: ยฃ65,000.00
18/01/25: Mortgage: ยฃ68,500.14
27/12/24: Mortgage: ยฃ69,278.38ย
27/12/24: Debt: ยฃ0 ๐ฅณ๐
27/12/24: Savings: ยฃ12,000
07/03/25: Savings: ยฃ16,5002 -
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!ยโฅ๏ธ โฅ๏ธ โฅ๏ธ๐ธ๐ธ๐ธ๐ธ๐ธ๐ธ๐ธ๐ธDecluttering 2025 So far 403 / 2025
Decluttering 2024๐ ๐ ๐ฅ๐ ๐ ๐ โญโญโญ๐ธ DS2๐ ๐ DD๐ ๐ฅ๐ธ
25 in 25 So far 1 /25
โญMy rambling savings Diary ~โญ2 -
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 - ยฃ47893.35ย - a reduction of ยฃ42,652 in just over 6 years!ย ย1 -
Morning all, I am feeling better today
I had a much better night's sleep after taking an antihistamine. I did this because of all the dust that kept setting me off sneezing and coughing at work yesterday but it had a two fold effect sending me into a stupor last night and I slept better than I had in ages
This morning I am sat in bed, calf muscles screaming at me
from walking up the hill after all the steps i'd already done this week
never mind.......DP has brought me a pot of tea.....I was like never mind the cup......I need a pot!
I spoke to two friends yesterday, they both reached out to me, one a very new friend, I met her at the temp job last week. She is local though and we had similar backgrounds and we got on really well, so we had a chat last night about work. They'd all hugged me when I left wishing me luck etc and saying they'd miss me. So weird isn't it how you can just not know someone on Tuesday morning but by Wednesday evening it's like you are all one big family after spending 24 hours out of 34 hours together and working as a team. And although that work was physically hard (you couldn't do that job unless you're fit- I was struggling big time by the end!) it was SO well organised, from training, to breaks, to how to set up the next day and how to close down the night......so everyone knew what they should be doing. So we had a shared moan about bad companies and a collective yay for the good ones. She has expressed an interest in my job (there is one more going I believe as we work on a rota so I know one supervisor didn't show up for induction), I told her she needed mental help instead of an interview if she thought it sounded funย
My other friend messaged me after her shift, we used to work together and she was complaining about the long hours she has to do (hospitality) and I did think, thank goodness the latest I should do is 6 or 7 pm. We are going to meet up this week sometime for a catch up which will be nice.ย
After speaking to both of them about the current job woes and the potential new job (I think it is mine if I go for it, I had a good chat with the HR team) I don't think I am going to bother with the interview. I am keeping it open for now, but it is what I am erring towards. I had a good scour on the internet yesterday for reviews on what it was like to work for the other company as well as what it is like to work for my current company under normal circumstances (this week has been mental). There were similar reviews across both of them to be honest, some great, some bad. I really do believe it is down to your management team. And the trainers. We seem to at the moment be lacking both because the team there has done such long hours over the last few weeks I think they're exhausted. I am worried about jumping ship into yet another ship that's sinking. And my CV is already all over the place because I put raising my children first over any job I had. They both seemed to think it might be better to stick this out for say 6 months, as on paper this is a higher up job than the other one (only because in the other one you're only supervising yourself) and then jump ship once you've got it on your CV for long enough to be able to move to a good company. I also have to admit to having a bit of a trauma response sometimes and if I have a bad day or week I can catastrophise everything in my mind and feel like the world is out to get me and nothing will ever go right for me. It isn't true and I have to just keep telling myself I am safe, everything is okay, I can leave if I choose. And then my brain calms down, my body calms with it, my inner child reactions subside, I get myself out of fight and flight and suddenly I realise it is just a bad day, tomorrow can and will be better. And adult me understands and knows how to deal with it.....
Today I think I will have a quick clean around the house, put another wash on whilst the weather is nice. Put some records on as I am missing my music and feel brainwashed by the utter sh *insert swear word* it that the store plays on a continual loop. I also want to potter...I miss pottering about in the garden, in the house, just in my own space and time, feeling safe and happy in my own company. The kids are at school and DP is out all day with meetings so just me and FLD - we will enjoy a nice walk to the park too, although I may put him in my bike basket and carry him to the park as he is too often tired when we get there and has no energy to play and sniff there. I will thoroughly enjoy my day off I think, and super happy the sun is still shining and the birds are still singing.ย
I am going back to my gratitude as it is what gets me out of a mental loop of negativity. I won't draw anything better to me whilst I continually complain, I know that is a trauma response too and I refuse to let it get the better of me. So I will do my gratitudes for yesterday:
1- I am grateful that I had the early shift, I left as it was getting busy so I had a relatively easy one compared to some.
2- I am thankful for everyone pulling together yesterday, I chose a team that was on shift, told them what to do and we got the job done quickly and worked together as a team.
3- I was grateful for the walk home, I live in a beautiful area, I walked past some beautiful buildings with gorgeous architecture, from gothic all the way to Victorian mansion types (I would love to say I live in any of these but sadly not, at least they are on my route though so I get to feel happy when I see them).
4- I am thankful my son loves school and has made friends, he has trouble making friends usually so I was so happy when he got in last night and two were waiting outside for him to get changed.
5 - I am thankful my daughter is happy too (and has her first boyfriend! She is VERY happy lol)
6- As always I am thankful mostly to my DP he is my rock.
Today I am already grateful, it is the best way to start your day.
1- DP made me a pot of tea
2- I found mini cakes for breakfast (don't even care if they're unhealthy it's my day off)
3- the house is relatively clean so if I chose not to do anything, it is okay!
4- The sun is shining and the skies are blue.
5- I love where I live now, even with a mounting list of DIY jobs.
I hope everyone has a good day, I will definitely try to here. For the rest of the week I have nice enough shifts I think, earliest is a 9am start, latest finish is a 3pm. And I have Saturday off when we are hoping to go test drive our new car. So all is well, and that is my mantra for today, ALL IS WELLMORTGAGE 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
7 -
Bargainhunter30 said: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!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 supportย
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
4 -
~FlowerPot~ said: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!ยFLD is a "hypoallergenic" cute little breed
without giving too much away :lo:lol:
I have said to DP though, I really really really want to get the garage situation sorted out asap - he wants to relocate his office out there anyway, he is noisy and when on the phone I have to be quiet in the house. So he wants his office out in the 'new' garage which we don't have yet. That will leave an empty bedroom (it's tiny hence why it is the office at the mo.) it is big enough for a beauty bed. I can perhaps look to restart my reiki, also some other beauty treatments and tarot readings and some past life hypnotherapy - i can do all these and I would love to add to them. As I just said to bargain hunter, I don't value myself enough, I need to start because it is either work myself to death for someone else for a pittance and not even a thank you. Or enjoy my work and perhaps not earn as much but have some energy left at the end of the day and feel like I have helped someone.ยMORTGAGE 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
6
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