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

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,444 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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?
    Yes hopefully... just need to do a few jobs around the house as we kind of neglected housework in favour of getting her room done.  But nothing strenuous and I might ask DP if he minds getting the kids up for me so I can lay in in the morning then I think I'll be ok. This time of year is always horrible for tiredness for 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
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic


    I took more notes than anyone. 



    I love this SO much!!!!!!!!!!!!!

    As for the other lady, ignore and just carry on! Once she realises that she not going to get a reaction from you she will move on to someone else!! I think its lovely that that student requested you!!!
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Is your DD buttering you up for a favour… ? 😉
    Or is it that she saw how hard you had worked for her, on her room, whilst she had been at her dad’s … who didn’t care about her or make any effort for her at all, and now she is understanding quite what she has in you a bit more …? 😉😊❤️

    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. 
  • beanielou
    beanielou Posts: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Beownie points to your 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.
  • Morning 🌞 

    I'm not sure what got into DD but I like it 🤣 long may it continue 🤞🏻

    This morning I've already sent an email off to the bra shop- the one DP bought me has a seam coming away on the very first day I bought it. At £42 for the bra I'm not impressed. 5 working days they have to get back to me.

    I'm going to have a quick tidy around this morning and put a wash on. Hoover and prep some dinners to be cooked later. I'm out with a friend from work (the other new starter) she is off this week as she has had a bereavement and also some bad news about another family member so I said I'd meet her for a cuppa. Then I intend to come back and get stuck into some bulk cooking. I may attempt to de-christmas a bit too. Otherwise that will take a whole day up at the weekend.

    Won't be a NSD but hopefully a very LSD day. 

    We've had another spattering of snow in the night no wonder it felt so cold. I slept much better than I have in weeks though. I think the exhaustion had caught up with me so much I slept through all hot flushes 🤣. Feeling a bit more refreshed this morning than I have in weeks! 
    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
  • Okay after having put a wash on and tidied the kitchen and bathroom on the way through I've decided the house needs a good sort through..I unpacked in record time moving here however, that means there is hair bobbles in with the potato peeler and good glass dishes for display in with potato mashers and sage sticks in with stationary, I've found crystals in every drawer 🤪 and I'm getting super annoyed with the disorganization. Bad feng shui....so need to sort it. I've taken two drawers out to start with today.. I'd like to do four drawers if I get the chance. I moved the food I had in the cupboard above the oven at the weekend so now need to reorganise the cupboard it's gone in to and the cupboard it came out of 🤣 one cupboard/ drawer at a time though I think or it's overwhelming. The pantry cupboard with jars and condiments is the worst meaning I can't find anything and have bought about six mango chutneys one after the other and yet I've no marmite 🤣. So mission tidy is needing to start. I did the big declutter before moving so don't have much to get rid of. But will be mindful of what I'm keeping as I do it. Mindful cleaning and organizing is the key for me. So slowly slowly I reckon. 
    Right now I've held myself accountable to that job I will crack on with prepping for 'lentil mince' mix and also some chickpeas for snacks (soaking and cooking) and bean burgers. Will cook them all up later ...if they're prepped I've no excuse really and will have to do 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
  • A favourite Mr L middle aisle deal of the year so far.....

    The NOW PLAYING wooden album cover holder 👏🏻 way cheaper than amzon 😁.it's what I picked two up of and one is put aside for DS1 as he loves his record collection too 👏🏻 can't believe I'm in January and already picking up Xmas/ birthday presents 😁 how organised is that huh!

    Anyway. Two house plants re-planted. Two drawers about to get it. Breakfast eaten. Eggs boiling for DS2 for after school growth spurt snacks. And chickpeas are soaking. Need to prep food yet. Friend not coming for another hour though so after my tea I'll get on with that. Feeling motivated. It is amazing what a good night sleep does for you.
    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: 9,444 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Not a NSD I went to the charity shop and bought a few records, almost picked up a couple of books too but thought I'd read what I have unread first. £4 spent ... should have been £8 I realised when I got home as a couple were double albums.

    Cooked 8 burgers ran out of ingredients to cook any more. Four frozen for another day. Four for tonight with wedges (which were freebie from Mr L card last week). I have a huge pot of lentil Bolognese mix on the hob cooking - I finally got round to it. I've cheated though I've used tinned lentils as I forgot to soak dried before I went out. 

    Catch up with friend was good she had two dogs with her one huge one that kept trying to sit on my lap....think about scooby doo size just a tad smaller. Don't know the breed ...I was like nooo don't think so! 🤣 

    Feeling bit tired as I walked back for some fresh air and it was around twenty minutes then went round the CS too. Time for some food and a sit down I think...once this pot has finished cooking!
    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: 969 Forumite
    500 Posts Name Dropper Photogenic
    It sounds like you have an abundance of energy, I don't know where you get it from!! Well done on getting those need to do tasks done and dusted and all that bulk cooking will help later in the week. Good effortXX
  • lulabelle1
    lulabelle1 Posts: 2,704 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    lol re the DS growth spurt egg snacks… we went through 60 eggs one week recently! DS2s post school current snack of choice is 4 slices of toast topped with 4 fried eggs and a pint of milk to wash it down 🙈
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