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

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Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,442 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Ah thank you @~FlowerPot~ @CrazyBee787 @redofromstart she even loved the pink! And I've not seen her smiling quite so much in a long time. She's not yet asked where her shrine has gone....she had pieces of FLDs belongings and ex step mum in a corner. I've boxed them under the bed and hope they stay there. She's been in her wardrobe since she came back making it pretty 🤣😍🙏🏻
    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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Your wallpapering the ceiling sounds like  Michaelangelo painting the Sistine Chapel - he was upside down for years and only did it as a discipline imposed on him by Pope Julius for his disobedience...

    Note to self in new flat - dont try wallpapering ceilings. Especially with people you like ;) (they look good though!)

    LOVING the walkin wardrobe - its inspired and you both done a great job in reno.

    On the  family /friends. I do think people can change if they have done the work on themselves. However that does not mean you have to take them back. If you feel you would meet or talk to them once and it has value then great , if you feel it would still be damaging to you then dont.

    On your vision boards - I am doing my 2025 ones this weekend - as you my VB guru what are the top tips?
    Did you add photos, pics, words on yours?  I know you then looked at it daily, I - I am just wondering  what your vb comrised of.
    I have some white boards ready to go 
    I am doing a new home one  (for my flat buying) and a life one (relationships/money/health/happiness/side hustle success)

    DON'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#latest
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Your DD's room is fantastic.  Like others I would happily move in.  Enjoy your G&T and rest before going back to work
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • KajiKita
    KajiKita Posts: 7,782 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Fantastic work 👏❤️ You should be really proud of yourselves 😊🤩

    Re the people resurfacing …. I have that happen to me too. There’s often a lesson in it somewhere, often obliquely; someone else in my life who has similar behaviours but I haven’t spotted it yet for example. I will just say these things: 
    - you have a right to have boundaries 
    - these people ended up behind new boundaries for a reason
    - unless that reason has changed, they should stay behind those boundaries 
    - I have developed a rule over the years that I don’t accept apologies unless the person apologising can explain how it will be different in future (it’s very powerful when you tell people this - the first time I did it to a chauvinistic bloke from Brazil at work after he had tried dominating / bullying me at the end of a very bad day, he was shaking with emotion. I let him off the hook and told him I was accepting his apology about six weeks later. He was one of the ones who was really sad me to see me leave my last job - rather to my surprise.). I hold them to this different behaviour, that they have decided for themselves, and at the first sign of flippancy or carelessness in relation to these new behaviours, without good reason, the shutters DROP and I walk with no come back! I know this sounds brutal, but it’s very rare and fairly significant if I do actually get to the point of pushing people out of my life …. I’m generally pretty patient and tolerant 😉

    Now then, this weekend, please can I prescribe soul restoration for you? 
    ✨❤️✨
    Music, light food, laughter, shared downtime with DP, plenty of sleep.
    Find your joy again 😊 x

    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. 
  • slm6002 said:
    Your DD's room is fantastic.  Like others I would happily move in.  Enjoy your G&T and rest before going back to work
    Thank you! G&Ts consumed. Lay in ordered we didn't get up till nearly 10 🤣
    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:
    Fantastic work 👏❤️ You should be really proud of yourselves 😊🤩

    Re the people resurfacing …. I have that happen to me too. There’s often a lesson in it somewhere, often obliquely; someone else in my life who has similar behaviours but I haven’t spotted it yet for example. I will just say these things: 
    - you have a right to have boundaries 
    - these people ended up behind new boundaries for a reason
    - unless that reason has changed, they should stay behind those boundaries 
    - I have developed a rule over the years that I don’t accept apologies unless the person apologising can explain how it will be different in future (it’s very powerful when you tell people this - the first time I did it to a chauvinistic bloke from Brazil at work after he had tried dominating / bullying me at the end of a very bad day, he was shaking with emotion. I let him off the hook and told him I was accepting his apology about six weeks later. He was one of the ones who was really sad me to see me leave my last job - rather to my surprise.). I hold them to this different behaviour, that they have decided for themselves, and at the first sign of flippancy or carelessness in relation to these new behaviours, without good reason, the shutters DROP and I walk with no come back! I know this sounds brutal, but it’s very rare and fairly significant if I do actually get to the point of pushing people out of my life …. I’m generally pretty patient and tolerant 😉

    Now then, this weekend, please can I prescribe soul restoration for you? 
    ✨❤️✨
    Music, light food, laughter, shared downtime with DP, plenty of sleep.
    Find your joy again 😊 x

    KK


    Thank you KK, I feel she won't have changed. She's in trauma mode. It is why we bonded. But I did the inner work and she chose drink and drugs (prescription) and we grew apart but she always tried to drag me back to where I was and it was stifling. I do appreciate the apology so am wondering if I should at least acknowledge that and be thankful for it. 

    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
  • Right, we're up after a very big lie in for us. 
    Shopping list collated, meal plan done, beds stripped ready for washing and all towels. We've tidied around and will stick a wash on before going out to shop. I have my new book to read that arrived this morning 😁 so will start bulk cooking later on whilst reading I think.
    I've also ordered some inserts for my eye mask- cooling, heated and lavender ones ...I had 50% off so spent £24 inc. delivery charge on lots of bits. Out of my pocket money spends. I love having a guilt free splash out. I was going to do a no spend Jan but you know what life is awful enough when it's cold and dark. I couldn't do without a boost every now and then on a G&T or a new book etc ... maybe I will do a nsd month when the weather warms up 🤣😁

    Okay off to the shops. Mr L for the bulk of the shop then Mr T for the rest. I've been naughty with the GF stuff last week and as we ran the food down I was eating whatever we had In. I've been bloated and a bit tired but nothing too bad. I definitely have an intolerance rather than allergy. I accidentally ate something with sulphites in on our mini break (thankfully on the way home) and I felt sick for hours afterwards to the point I thought I was going to pass out from dizziness and had horrendous cramps. That's an allergy....the Gluten is nowhere near as bad as that. So I've decided that I will do GF as and when possible but I refuse to make my life more complicated than it needs to be. When out with friends or family I will eat gluten if no gf and vegan together is available (taking into consideration I have to look for sulphites as well 🤦🏻‍♀️🤣). 

    Shopping budget is reset 🙏🏻👏🏻 and we have £600 to last until 1st Feb. Cupboards, fridge and freezer are bare though so this may be an expensive shop....
    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: 963 Forumite
    500 Posts Name Dropper Photogenic
    Good luck reigning in your shop - and happy shoppingXX
  • RedLipstick
    RedLipstick Posts: 107 Forumite
    100 Posts First Anniversary Name Dropper
    What a fantastic looking bedroom, great work you did there!! xx

    Mortgage: £173,700 Sep 22  £159,700 Aug 25

    MF Date: Sep 52 Mar 52


    2025 Challenges:

    EF #84 | MFW25 #51 | MFiT-T7 #5 | Pay off all your debts by Christmas 2025 #34

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