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

Watty1

So glad you found the  cause. Yes, limiting to diet but the dizzy bits were worrying.

debtfreewannabe321

I have so much sympathy for you @beanielou these last couple of weeks have been awful and it's really scary when you just can't seem to walk in a straight line 🙈
@KajiKita so do I...I have GF bread back in again and I will make sure my meal plan omits any GF for the next month going forward....and on the I.D I have a whole envelope of I.D for this..marriage cert, divorce certs, birth cert, passport (married name), driving license (maiden name) and bills it is a nightmare. I told DP if we get married I am double-barreling the name so I can keep the maiden name stuff as is. It's too much effort to change it all. @ladybird1106 that's an odd mix of foods you're intolerant to, funny enough when I was little I was told no cheese, no smoky bacon, no chocolate (basically dairy) because of migraines. I always thought the bacon in the mix was weird but I think it was the salt overload doing it. My son can't eat pineapple without coming out in a rash, or kiwis...And my mum was the same with strawberries. I find allergies so bizarre and odd sometimes  
@LadyWithAPlan ugh I keep doing the same, and you told me this before and I went 😥🙉 lalalalala I am ready to listen now
@dawnybabes I had a super out of the blue violent reaction to sulphites one day. It was like the scene from The Exorcist... scared DP into looking up ingredients of everything we had just eaten/drunk and sulphites was the main one in all - I gave it up and then tried it again about 2 months down the line (I think a mince pie made me give in) and again was violently sick. So i've not eaten it for a few years now. I feel like my food groups available to me are getting smaller and smaller *sob* Oddly enough, when I used to eat meat and dairy I was ALWAYS anaemic. Was always at the drs getting blood tests and taking iron. He gave me such a telling off when I told him I had chosen to go vegan (yeah a 40 year old being told off) but little by little my iron righted itself and I stopped taking tablets. I don't know if it was the dairy or meat but something was stopping me absorbing the iron. 
@Watty1 yeh even I was beginning to get a bit worried and I usually just brush most things wrong with me off as - it will be fine. I'm hoping the GF will help and quickly. Even my eyesight was getting affected. 

Okay so we have had a busy weekend. We had a lovely day on Saturday and yesterday we decided to focus our efforts on doing some jobs. DP is just itching to spend his wages and I have told him we are (ynab) poor until 1st November. he's not too impressed. Anyway...we got some digging done. We timed ourselves to stop after 2.5 hours so we didn't do our backs in too much (oldies ) and then ExH messaged, can we meet in a couple of hours the kids had had enough of being at his clearly, so I went to meet him and collect the kids. DP was in the middle of moving furniture about when I left him (well actually before I left I helped him to move it all and he just had to put them in their final resting places). We have a very generic 1930s semi (I assume most reading can picture the layout) it has been knocked through from the kitchen to the dining room so that is one bigger room now and we have the leaky lean to at the back. So initially we set it up as kitchen diner. And front room with bay window was our living room. Our semi is a smallish one (hence why we need an extension) our front room is a 'cute' 10ftx11ft. We have enormous bleeding sofas. Like think lazeboy sized recliners. 1 3 seater, 1 2seater, and a huge MCM side board. The 'snug' at the front was overfilled with furniture and it was horrible. The dining room in comparison is a decent sized 14ftx11ft. With a bay window too. That was never knocked out for the lean to to go up...so we swapped them around yesterday. It is so much nicer now. We have the wooden floor in our new living space now, with the new rug (remember my FB bargain) and we also have the kitchen next to it I am getting used to this....it's much easier to watch tv and cook now seriously though the furniture works better and it feels a more sociable space. Our backs after gardening and moving ruddy great big lumps of sofas (we also have a small 2 seater sofa that was in the dining room and a dining sofa so moved 4 sofas in all as well as tables and small furniture) are sore today. I think DP is happy to be back at work  

Anyway, what this diary is supposed to be about- MONEY-
DP has been paid again from new job today. No pensions or anything have been taken out yet (yay)and that is good considering this was always going to be a tough month. Overall from all DPs pays we have been paid enough to FULLY cover the CC without touching the EF. I also had enough spare to use to start my snowballing savings. I went to move it into my SB account and then thought hold up.....I have car insurance that is 11.9% so I went and had a look at that this morning and decided that needed to be in my 'snowballing' debts category. It is the smallest debt at £470 so I clicked the button to see how much I had to pay today if I wanted to pay it all off. I had £400 for the SB'ing to start and also £47 that was my usual car insurance payment. The figure was £434! so I have paid it all off 👏🥳 And I will put the few odd quid £13 difference from the money I had available to what I spent into the SB account. Next month I will have £400+45 (I've rounded both down slightly) to put into the SB account. Carpet loan was 0% anyway so it made sense to pay the car insurance off first. It should take three months to have enough for the carpet loan. Then I can work on the car purchase........we are also thinking about trying to get a lower interest rate perhaps after xmas now on the car loan and move the debt across. Hopefully our credit scores will have gone up by then (they took a hit moving). 

This month coming means we have paid off the CC in full, we have paid the car insurance in full and then we also should have enough for a tight-ish month for expenses. We have a couple of nights booked already for Nov anyway so I think we're prepared to have a tight month because next month everything should be way better. I am going to hold off on upping the food budget just yet though as we don't really have it spare. Unless I raid the EF. But I am willing to try and keep in budget for one final month last challenge of the year on the Grocery challenge for us I think. 

Got a few jobs to do today, including taking bits to new job for DBS checks and ID checks, I will go straight on to the bank with the same info and get that sorted. And take back some clothes I ordered on N3xt sale, they were all not suitable. Also I got a refund on v1nted come through, £7.50 (ish) as the zip was broken on the skirt I bought. I got to keep it so need to find some cotton and try and patch it up as best as I can later. 

OH and one last thing, DD took her dinner last night (cottage pie with cabbage on the side) and she actually ate it, and said she had missed my cooking 🥳 I have been waiting for those words to pop out of her mouth since ExH and I split...as he brainwashed her into thinking I can't cook I can cook, anddddddddddd I can do it better than you Exidiot.  
Right off to have my GF toast (and stare at the crumpets ) and get on with some bits. 

Watty1

Sorry but I am laughing at ex-idiot. Having had one of those, my current purge on cupboards is teaching me I can cook and very well actually.  Am equally sure you are the same.   

 I once had a former boyfriend who was a 'chef' and his view was firmly anyone can cook, you just need to follow instructions.  Sure you not be able to rustle up a magic meal with no inspiration and a few unrelated ingredients which he could, but, even then with instructions anyone can make something wonderful.    I often think of him and his "anyone can do it, just follow the steps" when trying something new in the kitchen.  he used to make me laugh when writing down things for his staff to follow as he did it from eye but realised the others needed clarity.  I still have a scrapbook of inspiration he left with me although I don't think I have every cooked from it.  Perhaps i will. Thanks for the memory.

debtfreewannabe321

Watty1 said:

Sorry but I am laughing at ex-idiot. Having had one of those, my current purge on cupboards is teaching me I can cook and very well actually.  Am equally sure you are the same.   

 I once had a former boyfriend who was a 'chef' and his view was firmly anyone can cook, you just need to follow instructions.  Sure you not be able to rustle up a magic meal with no inspiration and a few unrelated ingredients which he could, but, even then with instructions anyone can make something wonderful.    I often think of him and his "anyone can do it, just follow the steps" when trying something new in the kitchen.  he used to make me laugh when writing down things for his staff to follow as he did it from eye but realised the others needed clarity.  I still have a scrapbook of inspiration he left with me although I don't think I have every cooked from it.  Perhaps i will. Thanks for the memory.

Ah, the former BF has the right idea there! Anyone can cook! My exidiot was a 'chef' in his mind too because he got kicked out of college and got a job in a generic restaurant kitchen as a 'chef'....he and I met in a fastfood restaurant -my college job and his second 'chef' job   He's right in the fact I couldn't cook when I left home, my mother spoiled us and didn't teach us anything. The only thing I could do was toast and pot noodles however I was 18 then. I am *ahem* much older now and three kids in, and have taught myself to cook everything. And much of it I can cook from scratch and on top of that after he left me one of the million times we were on an 'off' rather than 'on' I was left with little money (he used to gamble and drink all our money away) and used to be able to rustle up anything with leftover cupboard stuff. In fact DP thinks it's one of my geniuses to be able to see random ingredients and cook something edible and tasty he knows it was born of poverty now but he is still impressed with it! My eldest's fave meal as a child was one of my poverty dishes- beans, rice and chopped up hotdogs all mixed together I also used to do a sausage surprise once a week, cheap sausages with whatever fresh was left in the fridge! Ex is talking about the fact he can cook steak.......I guarantee it, and that is all he is talking about because long before I even went veggie (over 10 years ago) I would feel sick at the sight of blood in my dishes and overcook it every time (on purpose ) so I am soooooooooooo happy DD can see through him it has literally made my week!

KajiKita

I’m glad you’re feeling a bit better. May it continue!! 😊
Whilst Watty is laughing at the ex-idiot, I am smiling at you ‘bossing’ Mr DFW and not letting him spend any of his pay! 😂 And then had him digging and throwing furniture around all weekend! Poor bloke, I love it! 😊😉 Still, it must feel REALLY good to have paid off both the CC and the car insurance 😊 Perhaps, let Mr DFW have a ceremonial, ‘first pay cheque tenner’ he could go wild with … ? 🤔😉

It’s really lovely that DD missed your cooking, with or without the ex-idiot influence - a bit of genuine appreciation and gratitude is so powerful 😊❤️

KK

beanielou

Woohoo to being able to pay off the CC & the car insurance. 

What’s SB ?

debtfreewannabe321

beanielou said:

Woohoo to being able to pay off the CC & the car insurance. 

What’s SB ?

My newly named SnowBall account

@KajiKita haha I am a bit bossy now you mention it I have to be to keep order round here I could let him have a tenner I guess.......but i'd have to dock his pocket money come Friday  

debtfreewannabe321

I spent AGESssssssssssssssssss in the bank earlier trying to change name, address, phone number etc. Only for them to call me two hours later to say they didn't photocopy the birth cert and divorce papers, argh! I brought them all in too...so guess who needs to go back again tomorrow! New job is done too they have the ID and I brought back n3xt clothes. 
Also got lucky with a £10 survey so have just cashed out £13-16 (need to wait until some $ turns to £ to see amount.) Will send it straight over to the SB account.

debtfreewannabe321

Morning!
I missed four calls from someone yesterday. I think it was the vets ....I didn't see or hear it ring and it didn't tell me about the calls until I switched the phone off and put it back on. My phone is on its way out....it was second hand when I got it from DS1....it's lasted a few years and I keep asking DS1 when he's getting a new phone so I can have his old one again 🤞🏼🤣....anyway I will keep phone in sight today as I suspect our furry little friend is ready to come home again 🥲.

Need to do bank again. Was so busy yesterday so I'm planning on popping in either early or late. Not right in the middle of the day like I did yesterday.

I need to get those last plants in the ground so I am going to have to just get on with that shoulder ache or not. 
Dinner last night was good. GF wraps for me and normal for everyone else. I made too much but all was eaten aside from the rice I have just enough left there for dinner later. I've also nearly a whole bag of spinach some onions and some garlic as well as ready cooked chickpeas so curry it is 🤣😀 curry is my usual answer to all leftovers these days.

I sent £14 over the the SBF (snowball fund) yesterday. I'm sending all my survey money over to it as well as any payments I would usually put towards something else that has expired. The car insurance money however I will put into savings so that we have enough for next year. 
I'm going to make the small MOP (mortgage op) as well if I can this month of £60. And going forward I definitely will be paying that at the very least so I'm working on all debts (secure and unsecure) and the same time. I've figured out how to send the OP to the new part of the mortgage as that is on 4. Something %. So I'll be paying that one down first. I'm allowed to OP by £2300 per year and I doubt I will hit that if I'm paying minimum towards it. Ideally before 2027 we'd love that one fully paid off so that our larger mortgage will get a better rate when we remortgage. So 23,000 to go .... 🙈🤣 (Aim high right?)

I got lots of other little jobs to do today including running kids around they have two weeks holiday off so they're still enjoying seeing friends and going out. DS2 apparently only left his room at Dad's house for food 🤣 and showers. He spent the whole week on the phone to his GF 🙈 what a wasted trip. I am not sure how much longer both kids will be wanting to go there for tbh although dad spoils them with meals out and clothes shopping etc so they will probably go for that.... DS1 came home with a whole new wardrobe (saves me buying it eh!).

Right off to start the day...

KajiKita

Really impressed with your steady, even handed approach to the CC, car insurance and the mortgage. Love that you have managed to work out how to OP just the higher rate mortgage too - that’s some serious OP-Fu … 😉😊

Good luck with the shoulder and the digging. I’ve finally had the appointment come through for my physio review and mine is waking me up at night again so I will have to dial the clearing work back again for a bit - so frustrating! So, I got out in the shed and sowed some broad beans sweetpea seeds to overwinter as little plants ready from next spring 🤞😊

How’s the dizziness now? 

KK