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

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  • dawnybabes
    dawnybabes Posts: 3,371 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    If you think a phone should last a few years and it’s used daily if not hourly then it actually works out really cheap per use ! 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Afternoon all! Yes I'm excited now I've got over the shock of the price 🤣 I think because my son gave me his last one cheaply I was a bit gobsmacked at how expensive they are. I have just bought a newer version of the one I have which is not the expensive brands but I like it. It's not a contract either so just the phone cost. I can't wait for it to last longer than four hours and actually be up to date. 

    My Fridays are usually so horrible but today is going ok. Not brilliantly but also not bad. Two hours left after lunch so I can get through this.
    Every time someone has been challenging I am just either chanting in my head (metta or om gan ganapataye naamah - that's probably spelled wrong but I know the song and tune having just heard it the other night). So I'm probably sat there staring into space at points but secretly I've entered into my own little bubble whilst rude students gob off continuously and just chanting to myself to ground myself each and every time. It seems to have worked. The worst one for disruptive behaviour upped and walked out and we had a pleasant two hours after that 🤣 they're obviously not open to the metta prayer I send out to all 😜. I don't think they like it when you don't react how they want you to either.

    Not a NSD some money has come out of my bank although not sure for what yet will check later. Also the cashback hasn't arrived yet I will give it a few more days, perhaps until Tuesday next week and see if I can find where it's gone to if not arrived (really hoping it's not gone to an old closed account not sure what happens then?) I can then get the other £45 out that us sitting there. I think all of this cashback will go towards my new phone so I don't have a lot to find now which is reassuring.
    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
  • Morning all, Christmas tree finally got decorated. DD and I went and bought new ornaments and a few gifts for people from the garden centre on Saturday. Spendy day. 

    I am feeling emotionally and mentally wrung out this morning after DP parents visited too. We took them out and spent the day at an antique centre. And then I reheated the dinner I made for them on Sat evening (in between putting up the trees and scrubbing house and taking shopping in). I felt a little bit fed up by the time they were here all day, they'd managed to make me feel down about several things, telling me we won't ever be able to afford to do the extension, nor buy the greenhouse and that they had to wait fifty years for everything to be done as would we. I think it was unintentionally done, they didn't mean to upset me, but still they were negative about a lot of things and it made me feel really quite defensive and exhausted to be honest. I smiled and nodded to all by the end, as I couldn't be bothered with any more debates. I was glad when they left which I feel guilty about as we don't see them often. They also put a big downer on our Xmas trip mocking it and asking why we were going to Manchester like it was a bit joke and what on earth would we do there. 

    Whilst I was out with them DD was ringing me crying too as she was upset about what her dad had said to her ...he'd issued ultimatums basically about Xmas because he wants his new gf there and DD was hoping it would be a quiet one to remember step-mums passing last Christmas morning- I can't actually believe 1- he has a new gf so soon after declaring true love to the one who just passed last Christmas, he used this as emotional blackmail all this year to get the children to do what he wanted and 2- that he'd have the audacity to invite a new gf for Xmas when he has step children there who will be spending their first Christmas ever without their mum and having a replacement already - it will be the first time they all meet her too. I'm actually speechless. Not surprised though this is him through and through, selfish. Also he said to DD if you don't want to meet her i suggest you stay at home with your mum. And if you stay there then I will be really upset and I may as well go back to drinking again (after supposedly just giving up heavy drinking). I'm really angry for her. And upset. But she decided to have this row whilst I was miles away at the antique centre with only one bar on my phone that kept dropping.

    So....The weekend was busy, more stressful than I'd have hoped and I don't feel like I've really had a break. I also seem to have hurt my hip as I've got nerve pain going all down my leg... hoping I manage to walk it off today.

    Late start today but need to go out this afternoon after work to meet my friend for her birthday so will be a late home time for me.

    It won't be a NSD as I need to meet friend in a local pub ...I'm not staying all night though as I really need to just have some downtime with just me and my energy to recuperate.

    I will try and make up some nsds this week though as I did spend a lot this weekend. However DS1& his partner are done for Xmas. I have some presents for DD now too. And I'm not buying much for anyone else. 
    Wednesday on my day off I am locking myself in my house on my own for a break 🤣 I need my energy back to where it was last week... quite happy and content.

    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
  • skint_spice
    skint_spice Posts: 13,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I wonder if DPs parents were trying to say don’t stress and just enjoy your home as it might take years to get it just as you want it? Meant kindly but not coming across that way?

    As for your ex (or PPH as he may be called now) it beggars belief that you are showing more concern for his step children than he is. 

    Have a nice time with your friend.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Oh yay, some good news! The cashback money has arrived in my bank account! I've requested the other lot too. That can all go towards my new phone. I have £90 towards it so far. Just another £295 to go 😬🤣...I love a challenge....29 days left to find it. That's just over a tenner a day to find....
    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
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sending hugs for the DP’s parents effect …. Did he find it demoralising too? 

    I’m sorry your ex is being such a PPH but he really is demonstrating WHY he is an ex! No thought or empathy for anyone else at all … 🙄

    You Vision Board your tush off - phone first and then garden and extension! You show ‘em! We believe in you 😊

    KK
    As 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. 
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Shame you had such a stressful weekend, your'll get there with the house you both already know it will take time. Its a shame they put such a damper on it. As KK says get that vision board out. Are there any competitions offering house makeovers???? That would be cool!!!
    As for you ex, definetly a big PPH. Unbelievable, I feel sorry for the step children and I dont even know them!!

    Well done on the cash back, can your partner give you some money forxmas towards the phone?

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

    ⭐My rambling savings Diary ~⭐
  • MFWannabe
    MFWannabe Posts: 2,459 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sometimes I don’t think oldies really realise what they’re saying 🙄 I know from my point of view and some of the things that get said by my parents 
    I think it stems from the old era of not buying anything g until they could afford it and the dads being the breadwinners while moms stayed at home 🤷‍♀️
    Thankfully times have changed 😁 Try not to let them get you down x 
    As for Ex; words fail me 🙄
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • I wonder if DPs parents were trying to say don’t stress and just enjoy your home as it might take years to get it just as you want it? Meant kindly but not coming across that way?

    As for your ex (or PPH as he may be called now) it beggars belief that you are showing more concern for his step children than he is. 

    Have a nice time with your friend.
    Possibly? Although we showed them around really quite proud of it (it's much bigger than our last one and in a decent area) and we did make comments as we went round of - we will do this to this room and this to that one etc (like painting, shelving and new bathroom which actually they didn't even argue about they are both in desperate need of update) so we weren't complaining and looking for them to say, it's okay you should love as is sort of thing....in some ways I just felt like it didn't matter what we said his mum wanted to argue (and I will be fair to his dad he didn't say much and was kind about it all). 
    I mean even to the point of when I said I'd like my extension I got a pffft ha! What do you need that for, what you've got is perfectly fine. Was frustrating to say the least 🙈🙊
    Ex ....no words really I'm still shocked at the bloody cheek of him.

    And thank you I had a nice time with friend but she was in a moany mood too and she wanted to meet at the Christmas pop up pub and I got drenched so sat there soaked through and cold the whole time...🙈🤦🏻‍♀️😆🤣
    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
  • KajiKita said:
    Sending hugs for the DP’s parents effect …. Did he find it demoralising too? 

    I’m sorry your ex is being such a PPH but he really is demonstrating WHY he is an ex! No thought or empathy for anyone else at all … 🙄

    You Vision Board your tush off - phone first and then garden and extension! You show ‘em! We believe in you 😊

    KK
    I don't think he paid any attention to his mum as he's used to it.  He said he had noticed her picking at his dad all day though arguing that black is blue so perhaps she was just having an off day 🤷🏻‍♀️😆

    And I fully intend to show them now ....one way to get me motivated is someone telling me I can't do something!!
    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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