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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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What a day. I did not get my nsd but I shall tell you why 🤣. So this morning I was taking the car to work. I left with half hour to get there. I usually walk past a dozen or so spaces. So thought ah it will be fine. Only about eight minutes walk all downhill from these spaces. I get to the usual spaces. ALL gone. Every last one. I drive to the next road I know...all gone. Then the next one. All gone. Do you see where this is going? By this point I am mid way between my house and work 🤣 I'm cursing myself for being lazy and saying I should have walked all the way. I finally find a space. I now have ten minutes left to get a mile away 😳. I don't know how, but I make it there one minute late only and three minutes before the tutor. It turns out she had similar problems to me with parking. So after a bit of a moan about parking we get on with the day. Then about an hour later I have to deal with a first aid emergency. Which (very) long story short involved going up and down 100+ steps THREE times. Within about a forty minute period. One time almost carrying a very large heavy student.
By lunchtime I am ravenous and once again cursing myself for being healthy and bringing in falafels, carrot sticks, cucumber sticks and hummus. I inhale it within seconds and ask another member of staff to look after my bag and I went and bought chips. Well deserved I reckon. I then had three flights of stairs in the afternoon to deal with and after that one more flight then up the steepest hill in the city to the car. I could've cried 🤣😳. And I could've done with more chips 😏🤣
Needless to say, I got my steps in for today. No step counter but guessing 15k+ 😏 I shall hopefully sleep well tonight. Oh and I only spent £2.50. so not too bad.
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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I think the chips were a necessary spend for today. Fingers crossed tomorrow is a better day.Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.601 -
Blimey. That was some day.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 -
Crikey you have clocked up a few miles today, well deserved and earned chips, needed and essentialXX1
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DD cooked dinner 🥰 and washed up. I started watching TV with DP but flaked out. I'm going to put on an eye mask (cold one) and chill for half hour then admit defeat and have an early night. The walking and running around today has shattered me. My shin splint & heels are hurting too so really don't want that flaring up again! Legs up I think, eye mask on some floaty music and chill!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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Bit of a stressful day at work today. NSD though. And not anywhere near the amount of steps walked yesterday!
Didn't sleep well last night. Am very tired today. I felt nauseous all night. Checked ingredients of the sausages we ate last night - sulphites 🙄🤦🏻♀️ thought to check gluten/ dairy didn't even see the sulphites on it and yet that's the worst allergy I have. D'oh.
So anyway, hopefully will sleep well tonight. I've eaten well (clean) today. And I will get to bed early. All day I've been discombobulated and not known what I am doing. Went to do my reporting this evening and spent ten minutes looking for the right section. Dithered all day with what am I supposed to be doing now kind of energy.
So glad I'm off tomorrow. DD and I have to leave the house early but at least I spend the day with her rather than other people's children (who for the most part call me names and are rude and obnoxious to me).
So I don't know whether I said on here but the new bra I bought had a stitching error- it totally didn't line up and a whole seam was missed. They were really good and offered to send a new bra out. Yay. Got an email it's on its way. Yay. Check emails...they're sending it to my old house. Nay. So I have diverted it thankfully to the post office in the old town ....I am hoping an old bill and my passport will suffice to collect it otherwise it will need to be returned to sender. They didn't think to check my address and I didn't think to say as I bought it in store and I'm pretty sure the lady on the till updated the details for me but it obviously didn't go through! Hopefully it's all fine though and I can collect it. I am actually driving past there tomorrow and it's delivery date is tomorrow so it could all work out ok. I'll report back though!
The gas / electric bill has gone down to less than half of what it was. So I'm glad of that but also annoying it wasn't on that previously as I've worked so hard to keep the energy bill down this last year feel like I've let the team down a bit.
That was yesterday.
To balance a moany post I am grateful for the room changes and the flowers I bought to cheer the dining room up. I'm also grateful it's my day off tomorrow. 🙏🏻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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I am glad things are better - but the job doesn't sound great, is it really awful all the time? It might be worth considering something else if it gives you unwanted grief? Have you thought about other options lately?1
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It's not awful I just have some really difficult students who have off days. Sometimes they're great and sometimes they're not. And some are awful every time I'm with them and some are little darlings every time I'm with them. So I have good and bad days and I'm just glad I have a variety so I don't dread an entire week 😆 I don't think it helped I was tired and feeling off from the sulphites last night. And these kids ...I'm absolutely certain the full moon brings out the crazy in us all....😆 So I'm counting down to Thurs hopefully the feeling of crazy in all of us will be calm by then 😉😁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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debtfreewannabe321 said:It's not awful I just have some really difficult students who have off days. Sometimes they're great and sometimes they're not. And some are awful every time I'm with them and some are little darlings every time I'm with them. So I have good and bad days and I'm just glad I have a variety so I don't dread an entire week 😆 I don't think it helped I was tired and feeling off from the sulphites last night. And these kids ...I'm absolutely certain the full moon brings out the crazy in us all....😆 So I'm counting down to Thurs hopefully the feeling of crazy in all of us will be calm by then 😉😁0
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Glad you have nice students to balance the difficult onesMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!0
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