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

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Comments

  • KajiKita
    KajiKita Posts: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    What’s the store manager ringing you for??! Bah! 
    Well done for quitting. 😊👏  That supervisor/manager sounds like an unprofessional @ssh@t

    Glad FLD  has been a best mate and got his walkies ❤️

    I need to join you in creating a vision board from next week - being ejected from a job and want to get something far ‘kinder’ to me next 😊😉

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • I would consider putting in a complaint to their HR team. If as you said it's a big brand then that is disgusting management and something should be done. He will end up getting the company into bother. How can anyone be expected to supervise or work without training. You are lucky to been out of there!
    Mortgage start date Nov 2014  - £90,545 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 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • Great you resigned and think you, KK and I all need a new career vision board ! 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • KajiKita
    KajiKita Posts: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Great you resigned and think you, KK and I all need a new career vision board ! 
    I feel a Vision Board club coming on 😊❤️

    KK

    (PS - I did mention it to Mr KK a couple of nights ago, over dinner, about how you have to speak about it in the present tense etc. expecting him to laugh it off, but he didn’t. Have I mentioned how lovely he is 😊)
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • So glad you are out of there. Take time for yourself and focus on the future.
     Love 🐞

    Grow your own: £14.66
  • KajiKita said:
    What’s the store manager ringing you for??! Bah! 
    Well done for quitting. 😊👏  That supervisor/manager sounds like an unprofessional @ssh@t

    Glad FLD  has been a best mate and got his walkies ❤️

    I need to join you in creating a vision board from next week - being ejected from a job and want to get something far ‘kinder’ to me next 😊😉

    KK
    Ahh I have no idea. I had moved on mentally by that point and wasn't answering it. He rang once more whilst DP and I were cooking, again I missed it as it was on charge in another room. But I was glad I wouldn't have answered or called back anyway. He didn't leave a message any of the times he rang. I should think he's sweating it out now..

    I also want something kinder to me too! We need a vision board club! :lol:
    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
  • I would consider putting in a complaint to their HR team. If as you said it's a big brand then that is disgusting management and something should be done. He will end up getting the company into bother. How can anyone be expected to supervise or work without training. You are lucky to been out of there!
    Hmm I am debating it, but I know how these big companies protect their own...there was even a bit in the induction about never posting on social media ...I understand why now if they're all run the same way :lol: I am so glad to be out of there.
    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
  • Great you resigned and think you, KK and I all need a new career vision board ! 
    KajiKita said:
    Great you resigned and think you, KK and I all need a new career vision board ! 
    I feel a Vision Board club coming on 😊❤️

    KK

    (PS - I did mention it to Mr KK a couple of nights ago, over dinner, about how you have to speak about it in the present tense etc. expecting him to laugh it off, but he didn’t. Have I mentioned how lovely he is 😊)
    Yes!! A vision board club! How great would that be! I am going to re-read some of my books again on it as I find it helps me to achieve and manifest quicker when I am uber focused on 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
  • So glad you are out of there. Take time for yourself and focus on the future.
     Love 🐞
    Thank you! I've had a lovely day focusing on ME. Not the kids, not the house, not jobs, not DP or work or anything else. I knew DP was leaving the house relatively early today so I jumped in the car with him and got a lift into town. He is off for a works thing now until tomorrow so I had the house to myself all day. So I got an early start and went shopping first. I picked up two books in wat3rst0n3s. One that had been in online basket for years.........literally. And one that was sat right next to it by an author that I already have many books from so also picked that up -almost £30 spent :neutral: oops. One is by Joe D1spenza (the one I have had in my basket many years) and the other is D1ana C00per. Both non fiction and I hope will get me back to my happy place. 

    I was trying to recall the last time I was super happy and not stressed and life flowed nicely and manifesting was fun and easy and I was stress-less. It was right before c0vid hit. I had just turned 40. I had family and friends, was very single but very happy. I had no money and lots of debt at that time (Ex had left me with lots and car breaking down added to it) but I was meditating daily, I was running my own online business (just a small online shop selling tarot, crystals etc and also readings) and I was using gratitude every day. I met DP during that time when I was in the flow. Then lockdowns happened. Kids home from school. My mother stopped talking to me (feared leaving her house) and I couldn't go anywhere and I felt trapped, bro in law got sick right after a jab. I got depressed and it was awful and one of the reasons we decided to move out of the city at the time was we were desperate for a change. It obviously wasn't the one we wanted and it just spiralled.......I still remember how i felt in the flow though when things were good, and it is my intention now to get back there asap. 

    I have bought these two books to help me get back in the flow.
    I will do my gratitudes every single day (if not on here I will be doing on paper)
    I will meditate every single day.

    Last year I wrote a 6 week meditation course. I didn't get round to using it and selling it because I had lost that flow....I want it back so I am walking the walk, talking the talk and that is how I will go about making some extra money. I also want to do the tarot one, I have been reading cards for 30 years (omg I am old) and feel I need to work on my confidence. I just always feel like there is someone better than me out there so why bother. Yikes, such a bad attitude. It can be changed though. I will work on that. 

    I also bought myself a cross stitch craft pack today, I wanted an embroidery one but couldn't find one. I used to love embroidering and cross stitch when younger, I would often lock myself away for hours sewing. I find if you've got 'monkey mind' and are having problems meditating like I am currently then mindfulness is the way forward. So cooking and crafting (sewing) will be my mindfulness for the next few weeks until I have calmed my body down enough to do a proper meditation :smile: I managed 10 minutes earlier but was distracted for the next 10 of a 20 min meditation. I walked the dog to the local graveyard after meditating and did a mindful walk/ wander around there too. 

    Today would have been marvellous had I not delivered a package that was delivered to me instead of the neighbour, I got sucked into their house for over half an hour with them moaning on and on about the work that was needed in our house and how it directly impacts them yadyada then I spotted a squirrel in their garden in a trap. I asked what was going on, they have apparently killed 26 of them in 3 months and seemed very pleased with themselves over that fact. Then went on to tell me how they were vermin as were all the rats in the neighbourhood (i've seen none nor any signs of them when gardening). Sigh talk about put a pin in my bubble. I made excuses and left asap. 

    I'm back home and can already tick off my list- meditation and gratitudes for today. I also read 19 pages from the new book which doesn't sound like much but it is discussing quantum physics and that is hard going on me personally I am not scientifically minded :lol: I have my other book next to me which is going to tell me how to access living in the 5th dimension. Yes please, beam me up. First off I will just go make the chilli & rice........darned 3D life getting in the way. :lol: 
    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
  • I have changed the title on my thread- I didn't know you could do that till I just tried! Going to use vision boards and manifesting to help get me my little piece of middle England 100% mine and not the banks...!
    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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