We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
-
Well today was interesting at work.
Today's classes I sat in on included painting and decorating. I'll give you one guess as to what they learned about TODAY rather than one week BEFORE the holiday which would have come in very handy to my DIY project. Yep. Wallpapering.
As he went through the list of dos and don't's I was sat there ticking off mostly the don't do this column on my own job 🤣🤣🤣🤣😳 I kid you not. However I got confirmation after class had finished as to whether my efforts were about to fall off the walls and ceiling and he promised it shouldn't do 🙈🤣 oh lord. Now how useful would this lesson had been three weeks ago. I now understand to concertina a wallpaper after pasting for the ceiling not fold it as you do a bit for the wall 🤦🏻♀️ no wonder it looked like I was wearing a veil and kept being dressed and drowned in the wallpaper 😶🌫️🥴
I took more notes than anyone.
At lunch I was literally shunned because I had 'stolen' someone else's student and classes. This is a lie I was given my timetable by the managers and had zero say in anything. But it seemed someone had been having a little moan about me to almost all staff members because the room firstly went silent as I walked in and secondly not one person spoke to me for an hour. It was so awkward I couldn't even get up and leave because I just froze to the chair silently eating my dinner like a mouse. Quietly quietly trying not to disturb the cat sat across the table from me. I was glad when it was over. I went off to see the stolen student and it seems she had requested me and said she hated the other lady 🤣 no wonder she was being catty about it. I'd only had this student once when her usual lady was off sick. When I didn't show up the next time she'd got her mum to complain about the other lady (she is fierce and intimidating to me I can't imagine how a student would feel tbh).
Anyway I'm home and my eyes are burning again..I'm feeling utterly drained and exhausted and can't seem to shift it. DD, however, had messaged me at lunch and said I want to cook dinner for you all 🥰😇 I said yes please!! So she is doing it now. Just pasta I think but seriously I'd eat beans on toast right now for dinner and accept it graciously and gratefully. She also said to me, I emptied all the bins in the house for you earlier did you notice....I hadn't as only just got home but again very grateful. It was on my jobs list tomorrow 🙏🏻 so another thing I don't need to do.
DIY wise DP has swapped the ceiling lights for the new shade. The new one arrived and was all complete thankfully no missing parts so that's up. Looks really pretty 😍
Xmas decs ...well they're all up still. Including cards. It is on my job list I ran out of time before we went back to school and work so still have to do it. Perhaps tomorrow otherwise the weekend....
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
1 -
Oh the architect has come back to us. His fee including sending it to planning is around £3k. He said he has room for one more job before he starts a big one and won't be taking on more work for a while. As much as it could be true I don't ever appreciate feeling pressured to make a commitment that quickly. £3k is nothing to some people but for some of us it is a years saving if not more.
So. I said to DP let's put him off until he's done his big job. Let's pay the carpet loan first. Secondly let's get the EF to where it needs to be. And thirdly let's have a holiday. Then we can save for the fee. And then we can see about refinancing or finding the money from somewhere to break ground and start the job.
I feel happier with that rather than stressing about simultaneously paying a carpet loan, saving an EF, paying the architect.
Meanwhile we can be doing the DIY we can do on the other rooms. It's literally the downstairs and the back of the house we need a builder for- the rest we are doing ourselves.
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
2 -
How mean of them. It's not like you were the one complaining about the other woman. I'm sure they will come round soon and realise you are not like that. Stay strong. Also how lovely that there was a wallpapering session. You will be all sorted for the remaining rooms that need doing lol. What are they learning next week?
Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.601 -
slm6002 said:How mean of them. It's not like you were the one complaining about the other woman. I'm sure they will come round soon and realise you are not like that. Stay strong. Also how lovely that there was a wallpapering session. You will be all sorted for the remaining rooms that need doing lol. What are they learning next week?
I'm not sure what they're learning next week but I begged to be put on the practical sessions next time (probably next term though at the very earliest if I get 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
1 -
Hmmm … I’m wondering if whoever it was the student refused to work with again, is something of a bully and the reason no one spoke to you for an hour is because they were scared to also be in that person’s firing line. I think I would casually mention it to your boss next time you have some time with them. Not to be actioned in any way, but just in case there is any further follow up from that person.What a lovely compliment to be chosen by a student though 😊
The lampshade sounds lovely and the sequencing of loan / EF / holiday and then architect’s fee sounds logical. Big ❤️ for your DD stepping up too 😊🤩
KKAs 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.1 -
Also wonder if the replaced woman is a bit of a bully & people are frightened of her.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 -
She absolutely is. She intimidated me without even saying a word and I'm not a pushover. I honestly couldn't be bothered though. Work is work and I do as I'm told (on the whole 🤣) not interested in bullies. I'm glad she got her comeuppance though. I will mention it to my direct supervisor when I see her.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
1 -
Ps. I am in shock. My DD did the cooking. AND washing up!!!! This is actually unheard of and no precedence set for this kind of behaviour from her or DS2. I'm not sure how to respond 🤣🙈🤣 I said thank you about a hundred times 🤣🙏🏻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
4 -
And and and...put the washing up away !!!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
3 -
I am pleased for you, and it shows that you are thankful saying thank you 100 times, she may feel comfortbale doing it again. Good for her the skills in the kitchen help future DD, so good for her. Sorry to hear about bully, I hate bullys, they have nothing better to do then be the bain of other peoples existence. I am glad you enjoyed your class on decorating that sounded fun. Are you resting tomorrow, it is your day off isn't it?0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards