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

debtfreewannabe321

Me too @beanielou 🤣😁 good times eh 

I've been on @ mazon subscribe and save and cancelled all subscriptions due out. I don't actually need half of them and the other ones I will make do with what's left before re-ordering. I have saved myself £55 by doing this today. Glad I remembered as they were all due out end of next week!

Pie was yummy. Went down well and was quick to make, fake chicken , veg and gravy with puffy pastry so will add that to the menu plan again. 😊

Today was a NSD too 😁
And I finished a book I had started! One thing ticked off my list!

debtfreewannabe321

Goals for Feb (Jan 26-Feb 25):
1- 15 days free of social media 

up to 9 days already! This one is proving quite easy for once!

2- Practice gentle yoga every day for at least 10 minutes (it helps with nerve pain from sciatica)

I have done 6 days of this but I am having rest days when I've over worked certain areas as I know it just leads to pain otherwise, I walk over 10k steps 5/7 days anyway so I am still exercising in that respect.

3- Read 1 book to the end 

Finished one! Started back on another one too, would be nice to get this read as well. I took the other one straight into work as it was a fun easy read but not something I'd bother reading again, so left it for someone else to have in the staff area. 

4- Catch up with 3 friends in real life (am totally fed up with SM being our only interaction with people these days bring back pre internet days)

1/3 and two dates in the diary

5- Two weeks of no sugar (I meant to do this in Jan but had too much Christmas sweets left)

fail so far however it has drastically been cut down. I only seem to be failing because it is in pre-made stuff that I am eating (i.e it was in a sauce the other day)

6- 10 NSD 

 3/10 

7- Get out in the garden and start the clear up after winter (we've dead fallen trees everywhere)

I did do this, I spent over an hour just collecting fallen branches after the storms we've had. Put into the garage to dry out for kindling. I also had a sweep around and pulled dead bits out of beds as we have some spring bulbs already poking their way through!

debtfreewannabe321

So here is my OPs up to end of January.

At the beginning of this year my mortgage was at £99, 215
9/01/24: £1
10/1: £12
11/1:£1
12/01: £1
13/01: £5
14/01:£5
16/01: £2
19/01: £0.11 (DP testing to make sure he was paying to the right account)
20/01: £1
22/01: £1
26/01: £20
29/01: £3.26
30/01: £2.73
31/01: £4
Total for January was £59.10 (I didn't start this until the 9th)

£300 was also put into a savings account to be paid to the mortgage later this year.
So total for January is £359.10

I would like to pay more than what is going on in interest every month which is approx £208. That divided up through the month is around £7 per day... I think that is doable  

I have already paid £15 off this month so another £193 to find to reach that mini target. £300 has been put into savings as well to go towards it. 

So I guess overall I have two targets I would like to reach every month, target 1- savings £300, target 2- daily OP to reach £208.

debtfreewannabe321

Okay I have two paydays left in February, I am trying to work out what is left in my budget that needs paying for. I think at this point in the month it is just food, all DDs aside from two small mobile phone DDs have been paid for. I have cancelled all s&s on &mazon, therefore I would like to pay a bigger lump sum towards the mortgage with one of these pay cheques. 

However I am also debating keeping one pay cheque in my account to run into next month, because we are often caught short half way through the month waiting on my next pay to pay for the food. I will have a think about it as I know you have to get all your ducks in a row for these budgets and OPs to work properly and keeping ticking over. Might be worth me holding one back so I am effectively 2 weeks ahead in my budget. What would you do?

Normal working day I think, haven't been asked to go in early yet. I am glad about that tbh, Friday was awful. I have realised it is a colleague that is making the workplace intolerable, not the actual job. She wasn't in on Thursday, I ironically had to pick up her job as well as my own which should have meant double stress, but it was actually a super easy shift because I didn't have her emotionally draining me all the way round. I realise she has been using me as a free counsellor, as most of my friends do, offloading all issues they have onto me, I go home stressed and sad and irritable whilst they go off happy to have offloaded....Hmmm

Meals left on this week's menu plan are:
Ratatouille, Jacket pots, Sausage'n'mash, Dahl

There is an open evening for DD at the sixth form college she wants to go to tomorrow, I need to ask DP if he can take her as she is keen to go again. If not, I am tempted to ring in sick. It is half true, I am sick of the place, so does that count?

DP and I have spoken again about selling up. I think I would like to make a list of snagging jobs left after all the big jobs we've done and work my way through them and get the place valued. It all depends on that really and I feel like the prices have dropped considerably since we bought (and then spent £xxxxs doing it up!).....I think everyone would be happier back closer to the city though. Thing is we love the house and gardens, it is double the size of our last one, but the area is just totally dead.

DP has his interview on Friday too! Excited to see how he gets on with this but trying to not get hopes up too high. 
Okay going off to have  a look at these budgets again. It is the only thing I am able to control in my life at the moment so it is helping me focus I think. 

beanielou

Have a good week. 

Colleagues like that are not the best. 

The good thing is that you have clocked it. 

debtfreewannabe321

beanielou said:

Have a good week. 

Colleagues like that are not the best. 

The good thing is that you have clocked it. 

Thanks Beanie, I am a bit slow on the uptake sometimes I always try to see the best in everyone and sometimes, just sometimes, people don't have a positive side at all to them, a bit like this colleague....

beanielou

debtfreewannabe321 said:

beanielou said:

Have a good week. 

Colleagues like that are not the best. 

The good thing is that you have clocked it. 

Thanks Beanie, I am a bit slow on the uptake sometimes I always try to see the best in everyone and sometimes, just sometimes, people don't have a positive side at all to them, a bit like this colleague....

I am the same. 

Sometimes slow on the uptake & tend to see the best in people til I am proved otherwise. 

debtfreewannabe321

Just went to the fridge to get my ingredients out for dinner, the peppers are all mouldy Last week it was lemons, this week the peppers! I have requested a refund for them as they are not cheap being organic. When the refund comes in I will TT to the EF as I have already counted it into my food budget now. I will cut round the better bits so I have perhaps nearly one good one out of three for the dinner. 

This budgeting lark is good for something I would have just chucked it away before and not thought twice about requesting refunds  

debtfreewannabe321

Well dinner is done. And I had a change of heart half way through, I called up to DS2 and asked him if he'd prefer another option out of the freezer rather than Ratatouille (freezer is rammed with stuff 🤣) I know DD would say yes in a heartbeat to something else. So I have those two something out of the freezer (fake kebabs and salad and veg fried up in wraps with salsa) they will share the rice I've already got soaking. 

I had my refund for peppers agreed and I managed to save approx two out of the three (2 were showing mould and I cut around it, omg I've officially turned into my nan). I've run out of paprika too so made it without and also added lentils in to bulk it (I don't usually use these but it hasn't changed the taste very much).

I now have three portions out for later (one will be good for lunch tomorrow) and another three to be frozen for end of the month- week 4/5 eeking out food budget 😁 till pay day. Pleased with that. And it's all done for DP. 

Going to get out in the garden again as it's not raining just yet although very grey ...clean out fish pond and weed another bed 🙂

redofromstart

Thrifty work there - you can usually save something from a pepper or an onion but it annoys me when I have to if they arrived shoddy.

Mood Hoovers is the name for those people, or energy vampires, depending on which course you sit through.  Are you allowed to wear headphones when you are working? Not necessarily with any music on...