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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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Well done x 2 😊👏debtfreewannabe321 said:Done! I have set a reminder for brown, green and black bins THE NIGHT BEFORE they are due not on the day of
I've got a movie on, cup of tea and toast and I am still in my PJs! Unheard of for me at this time.
much needed!
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.1 -
cashed out £14 from surveys, sent straight to my savings account which I am using for my snowball fund now (SBF) first goal is to get to £1300
I will use survey money this month coming up as all spare money will be going towards CC from wages in November - going forward I will put into it regularly though. 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 -
Can I get the black bean burger recipe please??I love YNAB for the exact but painless reporting of my spends ..
well done on the surveysDON'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#latest1 -
Santa Fe Black Bean Burger (Easy Pantry Recipe) I used this one @LadyWithAPlan They were really good. I didn't use cayenne powder though or cornmeal as I had neither and they were still good.
I've had a NSD so far so I think it probably counts as I doubt I will go out now. Spent a few hours in the garden instead as the sun decided to come out! One more sq m is weeded of the bed I am working on. I can't quite believe how long it takes to do such a small space
but there we are!
I've been sent some training via email to do before I start my job. I will look at it tomorrow maybe. I have another week off yet anyway so no rush and I don't think it will take very long.
Haven't heard from DP or the kids all day, I am going to make myself a nice dinner and have a bath and read my book I think. Feels weird not speaking to anyone at all, hence why I have updated on here so much probably, although I am mostly speaking to myself it's a good outlet Right off to prep dinner- let's see if I can make just one portion! 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 -
I keep trying to like bean burger recipes but fail miserably as they are all so dry! What’s this one like?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 -
It is mixed with salsa so it wasn't dry! I'm with you on the fact they're usually dry and fall apart but these held their shape well and tasted good. We kept back some salsa for topping it too and I served on lettuce rather than buns so that added to the 'wetness' of it too.KajiKita said:I keep trying to like bean burger recipes but fail miserably as they are all so dry! What’s this one like?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 -
Tonights throw together was good! And easy. But I failed I made enough easily for three. Guess I'm eating it for lunch again tomorrow 🤣
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 -
On our local council page you can set up a reminder of the bins - helpful at Xmas time when everything changes 🤣🤣🤣
tea looks lush !Sealed pot challenge 822
Jan - £176.66 :j1 -
Thanks for the feedback 😊 Did you make your own salsa or buy it in?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 -
Ah thank you it was delicious 😋dawnybabes said:On our local council page you can set up a reminder of the bins - helpful at Xmas time when everything changes 🤣🤣🤣
tea looks lush !
And I'm going to check to see if I can do this too. I will just have it remembered and then Xmas will be here and it will be me running down the street again when I hear them outside 🤦🏻♀️🤣🤣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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