We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

Options
1151152154156157315

Comments

  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    yey!!!! to the money coming your way, very annoying that you had to fight for what was yours!
    Boo! to the tax, but that will be recovered and very welcome when it finally comes your way!

    You are working so hard in the garden, and you will be so pleased come next year when all these plant started to establish because they are all nicely nestled in!

    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • Thanks all 😀 I'm assuming the tax will be refunded next April? It's been years since I've been due a refund but I think that's what happened last time. Could've done with it this side of Xmas but nevermind.

    I've got lots of gardening books out this evening that DP parents kindly gave me. Plotting and planning what I'd like to grow..I will make a drawn plan for beds to go in and where I want them. We intend on lifting a lot of the lawn for this. So it will give me something to aim for. We're hoping to make beds out of some of the wood we have in the garden (lots of pallets still knocking around)..could be an easy and cheap way to make the beds and mean I don't have to save lots and wait years for this to happen. 😁
    Still on the lookout for my greenhouse...I'd like to get one cheap/ free but all the ones coming up are very small 6x8 kinda size and we'd like to go as big as possible really considering we're building the space from scratch. Everyone we speak to suggests getting as big as you can fit in so I'm hoping to do this. We do eat a lot of fresh stuff so I'm hoping it wouldn't go to waste 😅

    The chickpea and spinach curry went down really well and was VERY quick to cook. That will be added to the quick meals category for sure. Even fussy DD ate it! I already had leftover rice too so just reheated that in a wok whilst the spinach wilted. Whole thing including prep took half hour! 


    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.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,503 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    2 small ones?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou said:
    2 small ones?
    🤨🤔 Hmmm good idea Beanie! I hadn't considered this. I will measure up the areas it can go in tomorrow and see if we can fit two in 😀
    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.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Your tax code should sort itself out when you start your new job, now it’s all recorded ‘live’ you shouldn’t have to wait till April. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • KajiKita
    KajiKita Posts: 7,598 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Loving the dreaming and planning 😊
    Have you had a look at what grows well in neighbouring gardens or wild spaces? 

    When you do lift the turf, either stack it top to top to rot down or immediately recycle it into the bottom of any raised beds you make, turf side down with compost on top, as that will help the fertility of those beds 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £236 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. 
  • I read that tip last night KK! Thanks for confirming it works 😁. .. on the left of my house we have a lady with lovely crazy leggings she's likes to hang out to 'dry' for weeks on end because she forgets to bring them in. They seem to grow well as she adds more and more. She's got lots of dogs and lots of weeds. So I know they also grow well. 😅
    On the right they have a perfectly manicured garden. Grass has stripes and they've a stoned area with lots of pots and a squirrel trap under a lovely arched walk through 😐...
    We have north facing gardens but the gardens are long enough to not all be in shade throughout the whole day And the houses at the back of us also have relatively long gardens so we do have bits with quite a bit of sun....but I have to bare in mind the shady bits. So I'm looking for greenhouse stuff to grow and also some easy ish things to grow against a west facing wall and then north facing garden for the rest. I don't want to set myself up for failure from the off. I've grown food before but always considered myself more part time hobbyist but now with rising food prices I'd love to be able to provide proper food from the garden for more than two weeks a year 😅❤️
    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.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 7,598 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 30 October 2024 at 9:17AM
    The leggings and dogs garden made me smile … Sounds like you need to wander and nose slightly further afield … 😉

    With food growing, what do you like to eat? Are there any fruits or veggies that you don’t like or are allergic to - don’t waste your time on those. 
    Generally, people who are growing in gardens rather than full scale allotments don’t bother with onions or spuds as they take up a lot of space and are relatively cheap. However, I enjoy growing a few red onions from seed, shallots and specialist spuds such as pink fir apple. 
    Consider herbs of all types - they are the ‘crops’ that accumulate value fastest on my produce tracker. Soft herbs like parsley, coriander etc will appreciate your cooler, shady spots, as will lettuce. Woody herbs like rosemary and sage will enjoy the sunnier spots. 
    Also, things that spoil easily so are either not available in shops; more unusual types of soft fruit(have a look at the Pomona website) or alpine strawberries (the taste is sublime … 🤩❤️), or only come in robust, travel well, fairly tasteless, varieties - tomatoes! 😉
    Think vertically as well, so beans, peas, squashes can all be grown upwards - if you are careful with their location they won’t shade anything precious but it will minimise their foot print within your growing space. 
    Ask for gardening vouchers, strawberry plants or even fruit trees / bushes for Christmas this year 😉
    You might want to consider a patch of comfrey (Bocking 14 variety, sterile so it doesn’t seed itself everywhere) if you have a quiet, out of the way patch of ground that it can grow in - it’s good for mulch, adding to the compost heap or turning into liquid feed. 
    Never, ever have more than two courgette plants ….! 😂😂

    Sorry, rambling on now … 😂

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £236 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. 
  • KajiKita said:
    The leggings and dogs garden made me smile … Sounds like you need to wander and nose slightly further afield … 😉

    With food growing, what do you like to eat? Are there any fruits or veggies that you don’t like or are allergic to - don’t waste your time on those. 
    Generally, people who are growing in gardens rather than full scale allotments don’t bother with onions or spuds as they take up a lot of space and are relatively cheap. However, I enjoy growing a few red onions from seed, shallots and specialist spuds such as pink fir apple. 
    Consider herbs of all types - they are the ‘crops’ that accumulate value fastest on my produce tracker. Soft herbs like parsley, coriander etc will appreciate your cooler, shady spots, as will lettuce. Woody herbs like rosemary and sage will enjoy the sunnier spots. 
    Also, things that spoil easily so are either not available in shops; more unusual types of soft fruit(have a look at the Pomona website) or alpine strawberries (the taste is sublime … 🤩❤️), or only come in robust, travel well, fairly tasteless, varieties - tomatoes! 😉
    Think vertically as well, so beans, peas, squashes can all be grown upwards - if you are careful with their location they won’t shade anything precious but it will minimise their foot print within your growing space. 
    Ask for gardening vouchers, strawberry plants or even fruit trees / bushes for Christmas this year 😉
    You might want to consider a patch of comfrey (Bocking 14 variety, sterile so it doesn’t seed itself everywhere) if you have a quiet, out of the way patch of ground that it can grow in - it’s good for mulch, adding to the compost heap or turning into liquid feed. 
    Never, ever have more than two courgette plants ….! 😂😂

    Sorry, rambling on now … 😂

    KK
    I have a whole list of stuff I'd like to grow :lol: we pretty much eat most veg and fruit - Only things we aren't keen on so far are chard, artichoke and runner beans (we had a glut of runner beans last year and we really didn't enjoy them even though they're easy enough to grow I would rather not do them again :lol: and DP parents have a garden allotment and gifted us the other things and we did not like them).
    I already have a fair bit -3 apple trees, 1 pear tree all very established (although one apple tree is covered in mistletoe but we had plenty of apples off it when we moved in), i've just put the fruit bushes in- raspberries x 3, logan berry, blackberry and red currant. I have sage, curry, in the herbs but I left a lot behind at old houses so need to re-buy rosemary and a few others. I have just been out to measure the plot and got all confuddled :lol: I was putting some measurements down in cm, some in m, some in ft, some in inches :joy: this is why this is usually DP job lol. I think I almost have it all right now thanks to an online conversion tool :joy: , and can figure out where I can put stuff...but I should probably get DP to re-measure some bits. I worked out (if my calculations are correct) that we have approx 230sq m of garden, but we do have buildings on some of that, sheds x 2, summer house, garage etc so need to figure out better what bits and how much is usable. I got so confused and it started spitting so I came in :joy: DP has offered to try and build raised beds from old pallets though to save a bit of money, and I have decided to clear one patio (we have three 😵‍💫) as it is on the west facing wall, I have seen on p1nterest some nice raised beds with trellis attached to one end which goes against a fence...so that would be great for that area. That patio is 25ftx5.5ft so I am going to work out how many raised beds I can get in there, and at least we have sun there for most of the day so I can grow sunny crops. I need to move the shed that is there currently, although it is dilapidated and half has rotted away so i think that is a skip job rather than a rescue job - we will see though as perhaps we can even use some of the wood on the shed for raised beds to reuse it. I am tempted to pull some bushes out of one bed too, I hate killing live things though so am umming and ahhing but that would be a good bed to put lavender and some other bits like that....

    Window cleaner has cancelled. I am suspecting he forgot about me. I messaged him this morning and he said I will be with you at 11 for a quote. I replied back, you quoted last week? He replied, oh yes sorry was confusing you for someone else (hmm) I will still be with you for 11. Just now, sorry my son is ill, I am a single dad I can't make it,  (very long message of feel sorry for me but he's blatantly forgotten lol- I should've used the single mum card more often it clearly works for him :lol: ) I said no worries and he said he can do tomorrow. If he flakes out again I will cancel and find someone else. 

    Should now be a NSD because of that.

    I need some bits from the online big river shop but am holding off till pay day :lol: well, month re-set as we have all the pay sat there staring at us. 

    I have been added to the bills account finally- YAY! It has only taken a month to do *rolls eyes*. 
    DP birthday treat is this Friday evening -tix already paid for but probably need drinks money but honestly I am happy to just go and enjoy the live music and have fun dancing with a cola in hand (omg where has the old me gone where i'd be blotto 3 hours in :lol: I cannot handle the 3 days to recover any more) so I will probably drive down there and DP can drink if he wants and we will save cab fares & money.

    I start job on Monday but haven't heard where or what time yet......so.....I will chase that up tomorrow (HR lady said to give it till Thurs). My friend hasn't yet been asked for a reference for me which is a little worrying 🤔

    Lots of washing to do today and I am resting my back, I stupidly didn't check the painkillers I took last night and they had caffeine in so although the pain went so did my desire to sleep - I have probably had 4 hours at best! I intend on doing very little, I will probably spend an hour or so adding my vinyl collection to disc0gs that my son got me to join. I can see his collection and he can see mine- it's quite fun and handy to have when we are out and about and are like....umm do we already have this one? I need one for dvds now too....

    Dinner will be plant balls and perhaps mash, but if not enough potatoes then pasta.  I have GF in already for me. Tomorrow's dinner I will do a spag bol I think or maybe another cottage pie...I think I will have to go to shops at some point as food is quite low. I will make a meal plan today too, I can do that with a cuppa in hand whilst resting poorly shoulder and back :smiley: 

    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.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Right I have done a meal plan, a really really boring, repetitive one for a couple of reasons- 1 it is cheap, 2 it's all easy meals to make for me and with starting a new job I will be super stressed if I am trying to make something complicated and tired after a day of work. I have repeated a lot of meals in the hope I can bulk cook a lot of this and just get out of the freezer to reheat on the day. DP is really busy at work lately, not even taking time out for lunch, which I told him is prob not the best way to start....ya know start as you mean to go on. But he's wanting to make a good impression. His birthday is next week and he has to travel to HQ on his birthday for a company induction the next day, so I have put in sticky cauliflower & rice as it's one of his faves, but aside from that everything else is easy (and here is to hoping this will mean I won't be wanting to say ah heck to it let's get a take away when I am tired).

    WEEK 1
    Jacket Potatoes
    Black bean burger & wedges
    Tofu & Rice
    Chickpea and spinach curry
    Shepherdless pie
    Pizza
    Plant Balls & Mash
     
    WEEK 2
    Sticky Cauliflower & rice
    Sausage & Mash
    Pasta & Salad
    Jacket potatoes
    Tofu & pasta
    Shepherdless pie
    Fajitas
     
    WEEK 3
    Black bean Burgers & chips
    Plant Balls & Mash
    Tofu, stir fry veg & Rice
    Pizza
    Shepherdless pie
    Curry
    Ratatouille
     
    WEEK 4
    Sausage & Mash
    Blackbean burgers & rice
    Jacket Potatoes
    Pizza
    Curry
    Spag bol
    ratatouille

    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.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.