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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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Aren't kids so resilient! DD friend came over and DS invited his GF over (neither I knew were coming) I dished up dinner for all as I couldn't just leave one out. Curry, rice and salad with poppadoms. Two out of four ate it all, one ate most of it and one didn't eat much so DS finished that one off. DD was laughing within half hour of friend turning up and DS was smiling too. Although DD was having great fun annoying DS and his gf in his room lots of shouting and laughing and noise ...Made me happy to see everyone smiling and back to normal though ☺️
I need a bigger pressure cooker though I had to cook the rice in two batches. 🤔 And it didn't cook very evenly perhaps there is a trick I didn't know about.
There is possibly two portions left but not four because I had two extra for dinner. So maybe a lunch for DP and I tomorrow.
DS is off at a fair with his gf so I need to get him later, and I'm about to drop off DD friend at the train station. The moon was huge tonight and I wanted a picture but my phone didn't want to play ball and it came out all rubbish. I was a bit annoyed as it was DS birthday today and obviously in light of what happened yesterday I just wanted a nice pic as it looked so big and bright in the sky. Nevermind.
Right best go do the train station run...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
1 -
Aren't kids so resilient! DD friend came over and DS invited his GF over (neither I knew were coming) I dished up dinner for all as I couldn't just leave one out. Curry, rice and salad with poppadoms. Two out of four ate it all, one ate most of it and one didn't eat much so DS finished that one off. DD was laughing within half hour of friend turning up and DS was smiling too. Although DD was having great fun annoying DS and his gf in his room lots of shouting and laughing and noise ...Made me happy to see everyone smiling and back to normal though ☺️
I need a bigger pressure cooker though I had to cook the rice in two batches. 🤔 And it didn't cook very evenly perhaps there is a trick I didn't know about.
There is possibly two portions left but not four because I had two extra for dinner. So maybe a lunch for DP and I tomorrow.
DS is off at a fair with his gf so I need to get him later, and I'm about to drop off DD friend at the train station. The moon was huge tonight and I wanted a picture but my phone didn't want to play ball and it came out all rubbish. I was a bit annoyed as it was DS birthday today and obviously in light of what happened yesterday I just wanted a nice pic as it looked so big and bright in the sky. Nevermind.
Right best go do the train station run...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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Omg at the rain this morning! It woke me up through ear plugs! It's torrential out there. I dread to think of the state of the conservatory right now. I'll check later 🙈🙉
I'm taking the kids to their dad's this morning for the week. They can eat him out of house and home instead of me for once. They both had no plans today (good job as weather is awful) so I'm shipping them off this week so they will be home for next week.
I'm then going to do a tiny shop to see DP and myself through until they're back and eek out what money I have left (around £100 I need to check).
I'm still having issues trying to add myself to dp account and I can't see how to resolve it. It should be done via clicking a link in the email but all it does is take me to log in and then nothing... really strange??
Gawd the rain is getting even heavier if that's even possible 😳 sounds nice though I find it relaxing. I slept well last night drugged myself with painkillers (cocodamol I found in the cupboard). My chest and head feels better today too.
I got an email back from the college and the HR lady was going to look into start dates she said she couldn't see any just yet. So perhaps they are waiting for the next round of interviews to be done...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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Hoping that the conservatory isn’t too bad …. 🤞
At least HR haven’t forgotten about you 😉😊
I’m glad you are feeling a bit better. 😊
KKAs 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.1 -
Okay I have tried to update about 3 times now and got distracted and lost it
let me try again.
I have done an online shop with 0cad0. Got 20% off so it cost me all I had left in my food budget (which resets in a few days anyway) and I also was 50p short so just TT all small amounts from other accounts over to pay for it. I have bought some brown rice in bulk on there, and some other wholegrains. DP and I were chatting about our diet. It used to be so good, and when you're vegan it is important to make sure you're getting enough of everything...I think little by little our diets have gotten worse to the point we have reached now where we have just as much rubbish in our diet as good. So back on it to tip that back into good diet with the odd treat.
I plan to make my lentil/mushroom base for spag bol, cottage pie and one other 'mince' meal for the week. I have ingredients to make black bean burgers, sausage casserole, ratatouille and a roast in there too. Weeks shop was £100 with the voucher and plenty of organic fruit and veg in there. I ordered enough for 2 of us for one week even though DP is actually away for 2 nights. And when I look at the costs for us to eat well for one week....and have enough food to last without little trips, just WOW. So expensive!
DP & I enjoyed a nice walk earlier we timed it perfectly that we missed the pouring rain - it poured before and just after we went! Not much else planned aside from empty out fridge today and use it up in a random dinner!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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Perhaps some of that food spend was still partly restocking food cupboard staples, as you ran it all down a LOT before you moved?I’m trying to get back to eating less / better / more economically. Paid yearly subs to new-tracheck and am tracking everything - the biggest shock is how much water it thinks I should be drinking! 😉😂
Made a soup today from red lentils, stock pot, pearl barley (cooked that separately and added toward the end) carrots, celery, a cleaned up, half cauliflower and a peeled broccoli stalk. It came out really well and I have three portions left for in the week 😊
Don’t forget, you have had so much upheaval and change in the past few months with the house move and everything else, it’s bound to make a bit of an impact on better habits that take effort to sustain. You’ve ‘caught’ it now though, so you can get it sorted 😊
KKAs 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.2 -
Well shopping didn't quite go as planned. I paid for it online and then had a confirmation that it was accepted so I forgot about it. There was a few quid over the amount in the account. They tried to take money for the shopping before picking it? According to their email and tried to take the amount I had bought plus £10 in case they needed to substitute. I didn't have that much in there with it being end of the month for me. So they cancelled the order. No- would you like to check your bank and add some more and try again...nope straight up cancelled it. I tried to do it again and use the 20% off code again but of course it had already been used once and refused to let me put it through again. The shop was showing up as £125.
I was getting a little upset by this point having wasted an hour navigating their site for the shop already. So I went over to s'burys. DP came in at that point and took over the shop for me (I was literally just putting the same in and taking it out the Oca basket so I knew I had the same). He was really cross for me as this entire exercise was being done to mitigate any stress 🤣😑 and stress was all it was causing at this point. S'burys didn't actually have a few things on their site so we couldn't get them. And it cost £11 more than the original Oca shop. Better than £25 more but there was no bulk bag of rice in there and a couple of other bits were missing. I used jam donut 🍩 app for some CB though -4%.
This morning a few things were substituted. Things like vegan things for non vegan things. DP has gone to pick it up instead of me so I will let him do the sorting through it all. And saying no no no no no no and yes (I think there were over ten substitutes and only three suitable.) sigh....!
My dizziness and headaches are coming and going as is the pain in my chest. I've had this before and I'm not overly worried or concerned too much yet but DP is. I had this pain before when I lost someone close to me. When I grieve I physically show symptoms of actual heart(pain)ache. So the whole shopping trip was supposed to help as every time I am feeling upset or stressed the pain is coming back 🤦🏼♀️. Drs told me it was panic attacks before but I don't think it is although symptoms look the same. I think it's high BP and heartache- I don't feel panicky.
Today I am going to see if I can get to the PO I bought something off v1nted for a few quid a week or so ago and its just arrived. I think I'll take a slow walk in the rain and get it. Then I shall find where I can get this bulk bag of brown rice if s'burys don't sell it. I'll check MrT and MrW online see if I can just pop into one of them and grab one. I'm going to make some good nutritious dinner and have a small tidy around. The house is so quiet without the kids and the dog. I do have a book to read too which has been waiting for a quiet house so I will try and make the most of it.
I received my p60 from my last job. I have a sinking feeling this means they're not going to pay me any more then and I have a battle on my hands to prove I worked it. Considering they had no sign in for me or anything so everything was done on paper I'm not sure how I can do this. I don't have the energy to fight anyone right now but it's a lot of money to us at the moment. I'm going to wait and see if they pay me first.
Pay days start landing end of this week...so hopefully there is enough to see us through to the next month when they will finally be full months of pay rather than part ones.
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
0 -
You poor thing, I hope things turn around for the better soon.1
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Don't panic on the tax paperwork. Payroll would have been told that you worked X hours and that you are a leaver. That automatically triggers the P45 as part of real time reporting to HMRC for the last payroll run, even if they have to set you up again to pay the final hours in the next payroll run.Shout if they don't pay you. Did you keep a copy of the hours (times and days) that they missed?My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
Thanks Hotdog. I did Redo. I wrote them all down and delivered a letter to the SM - I have a copy of that in my saved files. I think I'm going to contact payroll again although they were so unhelpful I'm not sure it's worth my time- but perhaps they can at least tell me when I should be due my wages so I know whether or not they are turning up on that day.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
1
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