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

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  • KajiKita
    KajiKita Posts: 7,742 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Wow, what a day …! I hope DD appreciates all this effort! And 😂😂😂 at you and DP blaming each,their for who wanted the ceiling papered. 😂 Very well done for a) persisting and b) making up so quickly 👏😊❤️

    I hope today goes more smoothly for you and you have an early finish. 

    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 = £11,816 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: £272 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. 
  • skint_spice
    skint_spice Posts: 13,420 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on persevering!
    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)
  • beanielou
    beanielou Posts: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are a star. 
    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.
  • slm6002
    slm6002 Posts: 4,386 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I have never tried wallpapering and I think I will leave it to you.  Well done on keeping going and getting it all finished before bed.  Good luck getting the other bits finished today
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • Watty1
    Watty1 Posts: 6,852 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done on progress and lets hope you finish before midnight :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Amazing efforts, well done!

    DP and I are both looking forward to going to work next week for a break 🤣
    That made me chuckle, lol

    Mortgage: £173,700 Sep 22  £160,920 Apr 25

    MF Date: Sep 52 Mar 52


    2025 Goals:

    1) EF2 #84 £4000/£10000

    2) Pay off all your debts by Christmas 2025 #34 £2,400 to go

    3) MFW25 #51 £1628.22/£5000

    MFiT-T7 #5

  • 🎊 Happy New Year 🎊 
    Welcome 2025. 

    This is how I (& DP) welcomed the new year in- I had woken up with a plan and picture of what to do in that awful corner (I actually have a picture of the before so I will share it in a mo) with the stairs. When we'd motivated ourselves to get started again I used some masking tape to show DP what I had seen in my dream state 🤣 (I'd already tried to show him on paper) and he said yes perfect the size was exactly enough to cover the dodgy staircase and provide a wardrobe (walk-in) and not jut out too far into the room. 👏🏻 So we cracked on with the room. I ran out of wallpaper paste so we downed tools around 1pm and went off to get more and all the materials for the walk in wardrobe....we also stopped at mcds as we were starving by this point.
    Got home and it was like the gods were with us yesterday. DP managed to get the structure of the wardrobe up with NO issues. And having a house with barely any straight walls- well that's unheard of! I also simultaneously managed to work round him and papered every wall, above and below the picture rail 👏🏻. We didn't stop until 10pm. - well we briefly stopped to eat, I had put some jacket potatoes in around 4:30 and we stopped to eat and refuel before carrying on.
    We could have stopped slightly earlier as we both got to a point where we were in between jobs at the same point in time but I would rather three long days of pushing through and do it than my entire week spent doing it. So we carried on.
    Ibuprofen is my breakfast today. We spent new year eve in bed watching a movie groaning about headache and body aches 🤣🥳🥂 
    However...we are now at a point where the paint can go on today 👏🏻 all walls and ceilings are fixed and papered and cleaned thoroughly and it's looking very nice in there now. I just hope DD doesn't complain about the walk-in wardrobe as we just pulled a built in out as she didn't like it 🤣 - I will happily swap bedroom with her if she hates it that much! But honestly it's the best solution as that staircase was so big and ugly. I will try to get a pic of the built in later if I can....but here is the monstrosity we have hidden! You can actually see the tape where I lined the floor of the wardrobe DP has just built (the wardrobe to build from scratch was half the price of a cheap ik3a wardrobe too which is a win as that's what I thought I'd have to get for the alcove!



    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 said:
    Wow, what a day …! I hope DD appreciates all this effort! And 😂😂😂 at you and DP blaming each,their for who wanted the ceiling papered. 😂 Very well done for a) persisting and b) making up so quickly 👏😊❤️

    I hope today goes more smoothly for you and you have an early finish. 

    KK
    I hope she appreciates it too! I messaged her yesterday and said we've got a surprise for you when you come back (the nice cute little walk-in wardrobe) and she was super stroppy and said she didn't like surprises and demanded to know what it was. I ignored it as she often does me as we hadn't even built it at that point and I didn't have time to explain myself (cheek of her! I will swap if she doesn't like it our rooms are similar size).
    And DP and I have worked okay the last day mainly because I separated our jobs so we were working alone 🤣
    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
  • Thank you beanie, Watty, red lipstick and skint_spice ❤️👏🏻
    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
  • slm6002 said:
    I have never tried wallpapering and I think I will leave it to you.  Well done on keeping going and getting it all finished before bed.  Good luck getting the other bits finished today
    I'm not the best at it. And I happily would have let DP plaster the ceiling instead of wallpapering it. But no he liked the wallpaper look which is why I nearly threw it at him when he had a strop and tried to tell me it was all my fault we were wallpapering the ceiling and failing 🤣
    I did not like wallpapering the ceiling it was awful!!
    The walls in comparison were easy peasey!! I'm not perfect at it though so my first job today is to go fill in any gaps I may have between joins 🤣🙈
    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
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