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

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  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Tx for the VB info re the sticky notes /pictures 


    only you know how bad the gluten allergy is - I have a dairy intolerance so I have a bit, tolerate the symptoms til I feel super ill  then stop and wait a few days til it’s out my system and the. feel great again - but travelling GF DF is hard so the dairy I am willing to take the consequences, never the GF 

    gluten though takes 6 months though to get out your system and basically can stop vitamins etc getting into your system etc so I am personally 100% gf, no going back 

    there is the Fodmap nutrition plan you can do - which helps you see exactly what your triggers are. It might be something in a certain product - It’s what the NHS recommends - short term - but a book or there are apps with the list or Google Fodmap NHS and it’s online 

    FODMAP stands for fermentable oligosaccharides, disaccharides, monosaccharides and polyols, which are short-chain carbohydrates (sugars) that the small intestine absorbs poorly. Some people experience digestive distress after eating them. Symptoms include:

    • Cramping
    • Diarrhea
    • Constipation
    • Stomach bloating
    • Gas and flatulence

    How does the low FODMAP diet work?

    Low FODMAP is a three-step elimination diet:

    1. First, you stop eating certain foods (high FODMAP foods).
    2. Next, you slowly reintroduce them to see which ones are troublesome.
    3. Once you identify the foods that cause symptoms, you can avoid or limit them while enjoying everything else worry-free.

    “We recommend following the elimination portion of the diet for only two to six weeks,” says Veloso. “This reduces your symptoms and if you have SIBO, it can help decrease abnormally high levels of intestinal bacteria. Then every three days, you can add a high FODMAP food back into your diet, one at a time, to see if it causes any symptoms. If a particular high FODMAP food causes symptoms, then avoid this long term.”


    i
    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    That's super helpful thank @LadyWithAPlan
    I will save that!
    At home I've been and bought all GF. It's when I'm out and about and already the weird one who checks ingredients for vegan and sulphites. Over Christmas it was thoroughly depressing then asking can you make this GF. I'm sure these people in restaurants who have everything in their diets think I live on grass ....and yet at home I'm able to just about swap everything for gf and vegan.... I'm not willing to go against my beliefs with the vegan thing. I thought I could but I can't. So the compromise has to be somewhere. I will read up some more about this. And see how to navigate it best when out and about 🙏🏻😁


    Thank you @RedLipstick 😊🙏🏻
    And @CrazyBee787 😊

    Been to Mr L and spent £185 😳
    £20 was on middle aisle stuff for presents so I will actually send money from gift fund to the food budget to cover that. Mr T was £80 🤦🏻‍♀️ again £15 not good which DP and I will cover out of our pockets.... So £230 ish on food. Our cupboards were bare though. And in my defence it is January. ....Veganuary is all over the shops and middle aisles and and and ....we got carried away 🤦🏻‍♀️🤣🤣 lots of it is bulk though in case we can't get It again until next year. Also Mr L had reduced bread, crumpets, rye bread and I stocked up three freezer drawers full of it all for the month ahead so I am hoping some of this evens out 🤣 but basically a fail. I expect a telling off over this. Totally un-mse of me. 🤪
    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: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Umm … you’ve pretty much described my food shop this week too! 😂 Something to do with the time of year? 😊

    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 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    Umm … you’ve pretty much described my food shop this week too! 😂 Something to do with the time of year? 😊

    KK
    🤣🙈 I think so. I said the same to DP ...too much in the shops to tempt me. Did get some fab bargains though so if I can ration it all out then actually we've saved money (tis what I'm going to tell myself anyway)....!
    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: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    Umm … you’ve pretty much described my food shop this week too! 😂 Something to do with the time of year? 😊

    KK
    🤣🙈 I think so. I said the same to DP ...too much in the shops to tempt me. Did get some fab bargains though so if I can ration it all out then actually we've saved money (tis what I'm going to tell myself anyway)....!
    You’ve been in my head this weekend, listening to my justifications, haven’t 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 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    i think re the Jan food bargains  its worth spending up now.

    Yes trying to eat out vegan and gf... v difficult though  mexican, thai, brazilian cuisines all are easy options. The brazilian beans and use of cassave flour (gf)  is a great place to start gf vegan ;)  
    There was a brazilian restaurant/TO  near where I did my side hustle abroad and the whole place was GF and delicious - every cake, every bun. They made a wrap with tapioca beads...and veggie cheese..
    So it is possible -  you have to know  where to go out to.

    Eating at friends though is harder.
    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    i think re the Jan food bargains  its worth spending up now.

    Yes trying to eat out vegan and gf... v difficult though  mexican, thai, brazilian cuisines all are easy options. The brazilian beans and use of cassave flour (gf)  is a great place to start gf vegan ;)  
    There was a brazilian restaurant/TO  near where I did my side hustle abroad and the whole place was GF and delicious - every cake, every bun. They made a wrap with tapioca beads...and veggie cheese..
    So it is possible -  you have to know  where to go out to.

    Eating at friends though is harder.
    I'll check out Brazilian food...don't think I've ever tried it before. I'm not a big fan of mexican food though it's too spicy on the whole for me 🥵 Indian is my favourite - I have plenty of side dishes to choose from usually but not mains. The restaurant we went to visit in Manchester was 👌🏻 I only wish our little city had the same. It was filled with plant based AND GF options! 🤤 The £88 we spent in there was worth every penny 🤣

    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: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That really does look like a good meal 😊 I love the little wooden flags for GF and allergy etc ❤️

    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 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @KajiKita every penny we spent in there was worth it considering we can't get anything like it where we live, all the dishes were good too- we live in farmerville which doesn't seem to like us sort on the whole 🤣 our one fully vegan restaurant went under a while ago ...so our little pre-chrimbo trip was more about food than shopping for presents lol 
    If anyone is VG &/or GF I recommend that restaurant it's called Dishoom. Lovely atmosphere and staff too. 👌🏻👏🏻
    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
  • I don't know how I will get up for work tomorrow and rally the kids together for a 9am start.... I've woken up but only just. The kids rooms are deadly silent.
    We've had a dusting of snow. DP said he heard hailstones which woke him up when they were bouncing off the conservatory roof. It's raining now and feels really cold in the house nevermind out. I feel sorry for anyone on the streets at this time of year (well I do all year but this is just awful). I'm grateful for heating and a dry home right now 🙏🏻

    I didn't get any cooking done yesterday. I will do it today so we have some dinners prepared in case of needing a quick one when I can't be bothered and would usually reach for the just eat app 😳🙄. 
    I started my book yesterday 🥰 and will read some more today. I've been struggling with a book for a month now and I think it's time to retire it to the Mr T charity book table. From whence it originally came 🙄🤣 I wonder how many times it has been picked up and brought back unread 🤔. Anyway, I'm enjoying the one I paid for and I also have another book (non fiction) to read from Mr T... about overly processed foods can't remember what it was exactly called now though but was a fiver. And thought I'd like to read up on that. 

    Need to make sure kids and I have adequate clothing for the week ahead. At least until Wednesday. And also food is prepped and lunches sorted before bed tonight. I've bought cous cous and quinoa especially for my lunches. I enjoy making them with a nice salad and a couple of falafels for work lunches. Easy to make and easy to digest whilst at work not making me feel heavy or bloated. I'm hoping tomorrow I am on lunch by myself. I feel like I need to just sit on my own for an hour and rest my brain. Not been able to do that all Xmas break. 

    Right best get cracking. Have a few budget things to sort out too whilst I remember and also set alarms! 
    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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