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

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  • skint_spice
    skint_spice Posts: 13,428 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That looks great, it’s completely different from before so I think you are out of luck and DD will be keeping it😂
    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)
  • ladybird1106
    ladybird1106 Posts: 806 Forumite
    500 Posts Photogenic First Anniversary Name Dropper
    Hope you get chance to relax soon. Amazing job done on DD room
    love 🐞

    Grow your own: £14.66
  • Hope you get chance to relax soon. Amazing job done on DD room
    love 🐞
    Hope so too. Preferably before we are both due back at work on Monday! 🤣
    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. I didn't sleep well last night so pretty tired this morning. On to my third cup of tea before cracking on. I've got a few hours of DIY today ahead of me but nothing like the marathon days we've already pulled. 
    We got paint onto every surface except the wardrobe last night. It was still tacky from primer. 
    So jobs for me today are to patch paint where we missed or where needs a second coat- but it's gone on well and doesn't need a full second coat. And the pink isn't tooooo pink- yay! I will also give the room a very good clean and pull apart DD old wardrobe. DP is using bits from it to panel the inside of her new wardrobe to finish it off. I'll start moving furniture back in by later hopefully 🤞🏻 and the hanging things I bought for her posters have just arrived and look great I think it will really finish the room off and mean no blue tac everywhere. They're literally strips of pine with magnets glued on that sit back and front of the poster one at the bottom to hold it down and one at the top. So they can hang from her picture rails and she can move them whenever she wants. Her new curtain rail needs to go up and her new light fittings (she chose them so I can't go wrong on that at least!) I think it will look beautiful when done and very classy but also still her style with her chosen curtains/lights and all her posters. 
    Budget - before we decided to do the walk-in wardrobe I was slightly over budget but not too much - £40 or so. But with the built in wardrobe I've spent £540.07. I've got around £20 cashback so let's call that £520. Plus the £100 voucher that work gave me so £620 all in. That is for coving, picture rails, ceiling rose and new light fittings and pretty bulb, new curtain rail, plaster, paint, glue, wallpaper and all the wood needed for the wardrobe, poster hanging wood and other bits. I need to spend another £100 on a radiator. £500 has been spent on a new window unit. So all in around £1120 that's not too bad I had in my mind a grand and it's a tidge over because of the new wardrobe. This gives me a good Idea of what I need to save for each of the other bedrooms now. And two other bedrooms already have the new windows paid for .... So should only need say £500-600 per room. DP and I want this done by end of today so we can have a few days to relax and recover before work 🤣. 
    Some bills have gone out this morning and I received my child maintenance so I've moved money where it needed to go and we have enough with me pulling money from the takeaway/ dining out fund and DD driving lessons money this month to cover the money we didn't already have set aside for this project. 
    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
  • CrazyBee787
    CrazyBee787 Posts: 957 Forumite
    500 Posts Name Dropper Photogenic
    I am glad you are going to have a chance to relax before work begins. It sounds great what you have done/ going to do. I look forward to seeing it finished.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,437 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I look forward to seeing it finished.

    Me too 🤣
    Have had a bit of a decorating mess up. I caulked in between gaps on the wallpaper before painting but I'm not sure I gave it enough time to dry before painting as we were on time limits so it's bled through. I am leaving it to dry out properly before dealing with it ...I have some primer I can put over those bits and then re-paint it. 

    The colour is nice though and not too dark. The bed is going against this wall anyway. I've been to d^nelm this morning as I had to swap the light we bought...it was missing a key piece. The screwy bit that holds the lampshade on! They had to refund me back and reorder it again so that won't be fitted until Saturday now. I've reheated the soup so we're well fed for an afternoon's work. DP is making good on the inside of the wardrobe- although I had to ask him to remove one bit as he'd boxed in some cable but in doing so left a gap of around 8 inches behind the boxed in bit empty. In a tiny cupboard like that I need every square inch as usable space so he has moved the cables along a bit and pushed the wall of the wardrobe back to the wall. We've reused bits of her old wardrobe. I couldn't actually be bothered to sell it on for £30-50 for people to mess us about and then ask for delivery (it's huge and will only fit in a van- we had to ask our glazier friend to collect it for us when we bought it.) so we've taken bits off we want to use as panelling on the cupboard we have built. The bottom part of the wardrobe I intend to move to the conservatory and put a top over it and use it as extra kitchen storage.
    Leftovers for dinner- curry and rice. I cooked enough last night for two meals. Right I'm off to finish painting and start the cleaning and putting things back in her room! Exciting....the end is in sight....!
    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,437 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Absolutely shattered. The bed is the right way up though and the mattress back on it. I'm stopping for dinner then I will prime those bits that bled through in my hurry to be done. And tomorrow I will touch them back up with paint. 
    DP has put rails up in the wardrobe 👏🏻 he's just adding the skirting and picture rails outside the cupboard now to make it blend in and we will go back to it after dinner. He's got an old bit of carpet that came out of the cupboard which looks new because it was in such an awkward place. I'm surprised they even bothered carpeting that bit tbh but it looks new so after a quick hoover we might be able to use it over the floor boards just until we do the room up. Her posters look good up with the hanging things I bought and by tomorrow as she comes home everything should be done that we can do for now. I hope she likes it 🤞🏻🙏🏻

    I'm off for leftover curry and rice now and see if I can find the will to carry on after dinner. At the very least I need to prime those bits on the wall so they're dry for tomorrow.

    Wasn't a nsd...we've no food in so I grabbed a few bits earlier when out and about. Need to do a proper shop really for when the kids come home as we're at the end of the fresh stuff now and dinners I had planned.
    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
  • dawnybabes
    dawnybabes Posts: 3,368 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It looks fantastic already, such a difference 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • beanielou
    beanielou Posts: 95,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Such a lucky DD.
    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.
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