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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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OMG Squirrels are harmless, they only eats nuts and vegetation, they go up trees, can you get someone involved I am sure that is illegal to kill squirrels ...I am totally horrified...I absolutely love squirrels. What horrid neighbours period. I can't believe people do that. Not Happy!0
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debtfreewannabe321 said: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...!0
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HotDog2020 said:OMG Squirrels are harmless, they only eats nuts and vegetation, they go up trees, can you get someone involved I am sure that is illegal to kill squirrels ...I am totally horrified...I absolutely love squirrels. What horrid neighbours period. I can't believe people do that. Not Happy!
I don't think they do any harm either but apparently they don't like them digging up their lawn and making a mess. Absolutely despicable and I will be avoiding them as much as possible I think.
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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What your neighbour thinks of your house is their business & not yours. Appalling behaviour about the squirrels.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.1 -
beanielou said:What your neighbour thinks of your house is their business & not yours. Appalling behaviour about the squirrels.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, I am up early because DP is away. I had to get up with the kids and feed DS2 he doesn't function well without some porridge and coffee before school
although he is not my DP's son they are so similar in some ways...food always needing to be in their bellies is one of them.
So I woke up around 6:40 -naturally too without an alarm, yay! I had slept okay because I had meditated, read and brought myself back to me yesterday. My mind is whirling with possibilities of things I can do to 1- bring in some money, 2- bring me back to what I believe is my purpose. I feel anxiety when I think about the job I left, I also feel it when I think about the job application I have put in. It closes on Monday so I will hear then, but I am not sure if it is for me. However, to feed ourselves, do the house up, have treats.......one needs money hey.I meditated for 20 minutes this morning before getting up too. Managed around 18 minutes this time before my awareness drifted.
Anyway in money news I have some CB tracked. I should be paid in about 6 months *insert rolley eyes*Cashed out £6.40 from PA, although once the $ had been translated to £ it was £5.98 Hmm.
It has been pouring with rain here today, all night as I had to get up and close the window it was so loud. It usually sends me off to sleep but was so loud I could hear it through ear plugs! Not sure the dog will bug me a lot today as he hates getting wet so that means i can crack on with jobs.
Jobs today-
sort out the mountain of washing- it's clean and dry needs sorting into rooms and ironing pile
Walk dog if rain ever stops
Investigate where I can sell old army uniforms I bought the kids for their cadets. DS wants to keep his greens for when he goes out with his cousin to do air rifles but the rest I can get rid of.
Bath dog, he's a bit pongy as he got slightly wet outside last night and didn't dry off properly.
Find some dinner if nothing left I will treat kids to a takeaway (prob something really rubbish -like they keep asking for the big yellow M restaurant)
Journal. I don't think you all want to hear about everythingso I will start a journal and fill that instead, it just helps me track how I am feeling -mind, body and soul.
DP was paid although we are trying hard not to touch it until next week we have already dipped into some of it.
I should have had my pay slip from my temp job I did as a colleague I made friends with messaged me yesterday to say hers was in her inbox. I have emailed them to make sure mine is on its way
VISION BOARD! I am going to start this today as I am feeling calm, collected, meditated and in a good place to visualise what I want going forwards.
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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You are sounding so much better already!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)1 -
Love the new title.
Can you suggest an easy read on manifesting? Since finding the moneybox from my board I've become even more interested in this.
(Looking forward to hearing what goes on your board, and sorry about the neighbours, funny thing is when the ex and I moved here ours used to moan a lot too - but - I would now consider her an excellent neighbour and am very fond of them).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 !!1 -
Thanks @skint_spice & @Watty1
Watty, I read (years ago) the master key system by Charles Haanel, I believe this to be the original book on manifesting and it is pretty in-depth but there are lots of other books out there (pretty much based on his writings though) like Rhonda Bryne (think I spelled that right) which is an easy(ier) read. She wrote The Magic and The Secret. there are YT videos, also I think it was on netflix and there are workbooks and day by day steps to follow. I think it is the magic that has a 28 day course to follow - yes it is I just checked my copy.
Basically though gratitude is the key to everything. Also I would add to this, awareness.
Becoming aware of your thoughts. Do you focus mainly on positive or negative ones. None of us are born focused on negatives, but life experiences can sometimes cause us to turn that way (I am one guilty of this). I am pretty good though at becoming aware very quickly when something is out of balance in my life like negative thinking it doesn't always mean I will do something immediately about it but I am aware. The universe gives you what you think most about. It doesn't only listen to your mind and thoughts it will listen to your energy too. Do you think about lack more than what you have? Do you complain about aches and pains more than be thankful you are healthy or are able....and so on and so forth. You must at your very core believe you deserve what you are trying to be.
Yesterday I woke up and brought myself back to basics, listened to my body. The body is usually one of the last places an illness will show for me, usually it starts in my mind, if I fail to do something about the thoughts, it then goes to my emotions and I become depressed/ anxiety takes over etc, then the body starts failing. I have had horrendous IBS and tension headaches for days now. I knew I had to do something before the Dr was diagnosing me with fibro (again!)
So I reminded myself what I have.
What I am grateful for
What works well in my life and my mind and my body. With each positive thought energy started flowing in my body again until I could feel it all over my body......THAT feeling right there(!!) that is what you are after.......when you feel that life force flowing through you for all the gratitude you have in life from hot water to pets, to friends, to your favourite jumper to your home etc and when you thank your body for being able and fit (even if you are not able and fit in every part you thank the bits that do work well), when you feel gratitude it is like energy moves through you. AT THAT POINT there start visualising what you want, visualise yourself receiving your award, buying your dream home, looking at the big numbers in the bank LIKE IT IS ALREADY YOURS. Visualise it like you are living it. AND thank you thank you thank you - gratitude as you visualise it. You will manifest it *clicks fingers* like that! It is how DP & I manifested this move and the money to do so. I taught him to feel it, the energy, the visualising and knowing it is true. We spoke about our new home like we'd already moved in, a month before we did. We love our new home, we're so happy we moved and we would feel that gratitude throughout our body as we spoke and thought those things.
That's the basics. Sorry I won't go on and onbut it is a passion of mine. I am thinking about putting together a day course or something with gratitude meditations and law of attraction manifestation/ vision board workshop. I actually have the meditation already recorded and ready to go- I MUST work on visualising self-worth that is what I am lacking! And also technical know how of where and how to market /sell it. I am a total techphobe 😏 Sorry super long update. Hope it helps a little though x
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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I got a notification to say my credit score went down. Went on to have a look why and Mbn@ have closed my CC I had with them. They were all happy when I was in debt with them but as soon as I paid off all CCs one by one they have closed my accounts down......s'bury, v1rgin, mbn@, to name but a few.......ah well I am grateful really as I didn't know where the card was nor my bank details with them to be able to change my address
I wonder if the two remaining CCs I have will do the same as I can't find my details for them either to change my address
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
3
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