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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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I did underarm wax once at college, it was the most excruciating experience, they did it in the most smallest steps, I prefer it waxed off in one go but they did like three hairs at a time!! 🤣🤣🤣1
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Great film choice - my Dad tells me that you need to do rule Britannia backwards a few times to break the cycle, but that may just be his sense of humour.
I generally only shift it by having a new one arrive.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
I’m with redo, the song usually stays until it’s replaced with another. The poor folk I have to see get stuck with it too🤦♀️ recently someone asked what the song I sang for weeks two years ago was - I had no idea til she came out with some lyrics! Megan Trainor Made You Look😂 jeez the things folk remember..,Mortgage OP 2025 £6250/7000Mortgage 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)1 -
To get rid of that song you need another earworm to replace it!!♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐1 -
Perhaps listen to it on repeat and you’ll have more verses to go at 🤣🤣🤣
im having my face dermaplaned on Monday at our local college - then I’ve a meeting been booked in straight afterwards - I’m hoping I’m not too red 🤣Sealed pot challenge 822
Jan - £176.66 :j3 -
@HotDog2020 I have also had it done by students and
I share your pain
@redofromstart @skint_spice @~FlowerPot~ - so I have tried listening to the radio, cds of my choice (where I know whole song lyrics not just a few lines) and watching other films since then and it is still there! It woke me up againarghhh!!! @dawnybabes I think I might have to listen to it again as those few lyrics are grating on me now
I feel like my record is broken
I am up and dressed as I have to leave soon as I am walking in. I did my lunch from leftover dinner thrown straight into a tupperware potand the kids have a pizza cooked that is cooling down now...hope it hurries up.
DP rang me last night whilst i was having a nice relaxing time with my new heated eye mask and some spa music. Seems the do not disturb button on my phone doesn't work wellhe was bored and felt it was a total waste of time going. It was xmas dinner with his old employment to be fair...but he works closely with them still so was invited. But their dinner was cold McDs once it had been delivered. He went with his new boss too and he disappeared early and then DP disappeared
what a waste of a trip over (4 hour train journey!) and he has to repeat that now on the way back.
I have work today and am mildly dreading it. 1- the tutor I work with is new and hasn't a clue what they're doing. 2- the students are the real behavioural issue ones, the real SEN kids get lost in the mix and I find it hard to get to them when I am stopping things flying across the room all day. Most are on last warnings so fingers crossed please....
I am really tired this week though I can tell it is getting close to winter solstice, I am always so exhausted as the daylight hours disappear. It's pretty dark when I start work and mostly dark when I am out of work. No wonder the kids have had enough - I have too, I just don't have the energy to throw pens, water bottles and tables across rooms any more to show how annoyed I am with it
I have money ready to cash out on surveys but will leave it until tomorrow as there is just a bit more pending, hopefully that will have moved to ready to cash out by then.
Right off to work I go, Ho hum, ho hum....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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Wishing you speedily to the Christmas hols where you will breathe again! Well done and keep it up 😁😊🍀❤️2
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Only two more weeks and then a break ….! Hang on in there …
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 -
Positive energy your way.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.1 -
debtfreewannabe321 said:LadyWithAPlan said:I once tried a college 3rd year waxing … ouch
I now do my own (even bikini)
On the songs on repeat - I learn the whole thing so I can sing it once through
Hoping for a nice day with the kids who hopefully are all super chilled for youDON'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
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