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

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Comments

  • Rounded up to £7 for my MOP 
    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
    so sorry to hear about the work stress and being sworn at etc

    i actually bought a plug in electric reader so you can plug each appliance in to the way via the reader and it shows you the usage and calculates the cost per hour etc of use .. or over 24 hours - you can even plug in your electricity cost 
    gave it to my parents - or I would send it to you - it was only about £10 I think though 
    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
  • so sorry to hear about the work stress and being sworn at etc

    i actually bought a plug in electric reader so you can plug each appliance in to the way via the reader and it shows you the usage and calculates the cost per hour etc of use .. or over 24 hours - you can even plug in your electricity cost 
    gave it to my parents - or I would send it to you - it was only about £10 I think though 
    I've got one I bought it in the last house and it was what made me so obsessed with costings. I sold everything that cost too much 🙈 it turned out it was the lights in this house... something I couldn't plug in to the reader. Every white good I have is A+ or A++ so I am hoping we've got to the bottom of the massive unexpected bill now. 

    Thanks re the kids. They weren't in today I have my fingers crossed they are not in tomorrow when I am with them! 
    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
  • Paspatur
    Paspatur Posts: 538 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    My 12 year old granddaughter has an app on her phone, you read the barcode on any food product and it tells you if it contains gluten. Sorry I do not know what the app is called. It is easier than reading all ingredients which can be in very small writing. I am now the proud owner of gluten free gravy granules and they taste no different to normal ones.
  • Paspatur said:
    My 12 year old granddaughter has an app on her phone, you read the barcode on any food product and it tells you if it contains gluten. Sorry I do not know what the app is called. It is easier than reading all ingredients which can be in very small writing. I am now the proud owner of gluten free gravy granules and they taste no different to normal ones.
    Thanks for that I will have a look on play store for it...I will also add GF gravy to the shopping list 😆
    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've just had a look to see what day my birthday falls on next month after seeing slm diary and seeing she's at work....my birthday falls on a Thursday which is my favourite day at work so that's cheered me up a little 😁 I think if it had fallen on the Fri I may have phoned in for a sick day / wellbeing day 😆
    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: 7,807 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sending a fortifying hug x

    I will be thinking of you today. 

    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. 
  • redofromstart
    redofromstart Posts: 5,863 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope it goes ok today. Tea and sympathy from me.
  • Watty1
    Watty1 Posts: 6,877 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope it is a better Friday.   
    Made 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 !!
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