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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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Glad you gave a start date.
that soil looks promising.Hope HR delivers the goods. Tell them that if it isn't paid by end of month then you will be contacting acas to raise an ET1 claim for non payment of wages. Ask for a breakdown of how your holiday pay was calculated too. That always gets me hyper ventilating! Bonus points if you didn't get your written terms and conditions before you started.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
redofromstart said:Glad you gave a start date.
that soil looks promising.Hope HR delivers the goods. Tell them that if it isn't paid by end of month then you will be contacting acas to raise an ET1 claim for non payment of wages. Ask for a breakdown of how your holiday pay was calculated too. That always gets me hyper ventilating! Bonus points if you didn't get your written terms and conditions before you started.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 -
Morning all,
I'm feeling achy breaky today. My hip is not happy and all my muscles ache 🤣 who needs the gym when you have a garden!!
I'm not going to do any gardening today. I have kept my plans to meet an old friend from my married days. Our husbands worked together and as army life goes we moved away from one another and kept in touch....anyway, she's just moved to the same city as me! I've not seen her in probably ten years or more. The last time we were meeting all my kids were small (even the oldest was still in school!) be good to have a catch up. We arranged it last week and I was going to cancel... I just feel like hermiting to be honest but yesterday I felt the urge to go and meet her. So I will.
Got a window cleaner coming to give us a quote today. We have two windows that are nigh on impossible to reach so I'm hoping they can get to them. And that the quote isn't ridiculously high.
DP got home so late yesterday, nearly 8 pm - this new job is a lot of hours at the moment although I think it will calm down somewhat. He's come in at the beginning of their year so there is a lot of meetings going on. Hence why he's all over the country at the moment. Later on he leaves for Scotland's meeting so he won't be back until Fri I don't think. I don't mind so much having been single for so long and married to the army for so long (like being single). I think he's more upset to leave me.
Won't be a NSD as I'm meeting my friend so I used that to buy my supplements that have just run out (so that I can try and keep all my spends to one day.)
Need to make a nice lentil bolognaise mix later for the next few dinners.
The black bean burgers I made were really simple and easy to make and went down a hit yesterday (so I've bookmarked that recipe as a keeper) I even think the kids would eat with no issues (well I'm talking about DD the fussy one as DS will eat anything). I've two left so I will use those for an early lunch today with the leftover jacket potatoes.
It's grey and miserable and foggy here so I think I made the right decision to go out and have some fun (as opposed to tears) today. I'll consider it my rest day 😆
I've had thoughts about the extension and the garage we currently have. Our plans were to knock down the garage. Move it back twenty feet or so and rebuild a new one. We want a 'play room' and an office and space to put a small workshop for the tools. The space in the garage right now is adequate. If we leave it where it is though it means we can't build the extension for the house all the way across as the garage overhangs the house footprint where we want to build. I've had a thought to leave the garage, recondition it, clear it out. Make good. Insulation and electrics etc. Then build the extension long ways rather than worth ways from the house. So we still have the space we wanted but in a different way and possibly a lot cheaper (definitely actually)... So we will see ☺️
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
4 -
If it gets to that stage then I will help, but for many companies the threat should be enough to get a result.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
redofromstart said:If it gets to that stage then I will help, but for many companies the threat should be enough to get a result.
Anyway I am trying to focus my energy on what I have planned - new job, building works etc as that's how I'll move energetically from here to there. If I need your help I will let you know I really appreciate everyone's wisdom on here (that I lack in matters like this!) 💕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 -
Great news about the start date for new job and really hope you can finally get somewhere with the missing pay! I'm very intrigued to find out who this company is as have my suspicions...🤔
Oh and great progress with the garden. We have bindweed as well and DH's been doing bits and pieces to tackle it but I've told him the focus is on the inside of the house till after Christmas. Might be nice to try and get some bulbs in the front garden though but no idea when we'll have the time!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20171 -
ruby_eskimo said:Great news about the start date for new job and really hope you can finally get somewhere with the missing pay! I'm very intrigued to find out who this company is as have my suspicions...🤔
Oh and great progress with the garden. We have bindweed as well and DH's been doing bits and pieces to tackle it but I've told him the focus is on the inside of the house till after Christmas. Might be nice to try and get some bulbs in the front garden though but no idea when we'll have the time!
I am starting on the garden now because 2 gardens ago now (haha I suppose I should say 2 houses ago but ya know what I mean), we had a blank slate whereby no one had gardened in 40 years. They didn't even have a side fence or gate, they used the garden to drive cars on to and work on them.......I could have built an engine from all the parts I found buriedbut one of the nicer old neighbours was so happy to see we were going to bring it back to life that he brought over all his tools, rotivators etc and told me when I had to do stuff...he said you must do this now even though the house needs work because the trees, those plants, bushes etc need to go in in autumn. I wouldn't have known otherwise but I recall him always coming over every autumn to see if I had done all the jobs that needed doing. He helped me landscape the whole garden too before he passed away. And he always said, start the garden in Autumn, that's the first real season to plant. So I am just trying to get these bits in that I have in temporary pots so that they stand a chance of growing next year and I don't miss that window. But if I were to show you inside the house you would be like, umm what are you doing it is a mess, get on with that :l:lol:
I feel like I am learning all over again now though in the garden as every garden up to this one has been revolved around kids playing in it. And they're both old enough now (and one moved out) that I can have the herb/veg/fruit garden I always dreamed of having, I'm super excited but also a bit of a noob to this type of garden, I have always just had hardy, pretty ones before (good for footballs etc 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
1 -
I’m glad you are going to meet up with your old friend, it will do you good 😊
Creative thoughts about the garage / extension foot print. It will be interesting to talk that over with DP and see what he thinks 😊
Oh, and don’t worry about the house v. garden, aka the Green Gym. Take whatever good weather comes to work in the garden as there are always plenty of wet days in this country to use to work on the house! 😉😂
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 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.0 -
Glad you have got your start date for your new job, nothing worse than being in limbo.
Terrible behaviour from your last job and i hope you get the money you are owed soon. xx1 -
KajiKita said:I’m glad you are going to meet up with your old friend, it will do you good 😊
Creative thoughts about the garage / extension foot print. It will be interesting to talk that over with DP and see what he thinks 😊
Oh, and don’t worry about the house v. garden, aka the Green Gym. Take whatever good weather comes to work in the garden as there are always plenty of wet days in this country to use to work on the house! 😉😂
KK
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
2
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