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

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  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive vibes your way. 
    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.
  • Suffolksue
    Suffolksue Posts: 1,760 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Delurking to say you are brilliant 
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    ⬆️⬆️⬆️
    Seconded. 
    Totally brilliant
    Very proud of you for standing up to them. 
    Well done, I how this afternoon passes quickly and you can rest when you get home. 

    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • catclaires
    catclaires Posts: 99 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    ^ Thirded! Amazing!

    Hope you have a fantastic and relaxing evening!
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So proud of you. Well done
    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.
  • Ah thank you all 🥰 I feel empowered standing up to them. They've already scared a tutor off for weeks on end. They seem to think that's the way it's done. Be loud scary rude and horrible and we won't come back. They didn't realise how stubborn I am even if they did scare me last week and make me cry (thank goodness they didn't see that). His face was a picture. And I've been supporting him since I started in November so hopefully he will remember my name now 😉😁. Possibly not. But I'm happy to keep reminding him. 

    I took some paracetamol and got through the afternoon. We had GCSE maths for two hours 🙄 and thankfully worst offender didn't show ☺️ another usual suspect turned up though and she was being her usual ignorant self. I despair sometimes. I'm paid to help her and yet I spent the lessons helping others who actually wanted help. I'm getting very good at GCSE maths 🫣🙄. Sixth lesson of the week today....this afternoon it is usually a very noisy lesson as they're allowed to socialise (bear in mind most of my students are special ed many don't have very good social skills) but they like to turn awful music up so Loud my head bangs and kick footballs around badly (usually we end up in the firing line). It was like I had someone looking over me today. Another class wanted half the hall, we had to turn the music off (yay). And next week I asked if I could take half the class who does not want to sit in a noisy environment to a quiet place. I got the okay so yay no more awful Friday afternoons to look forward to (dread). 

    The extra hour I've been working I was told I won't get paid but instead it will accumulate and I get to take days toil at the end of term as we wind down. Fine with me. I'd rather not push my wage into the tax bracket and take the time in summer as the weather is nicer. 

    Dinner is onions, baby sweet corn chopped up, cauliflower all courtesy of work kitchen as they were chucking it out and some pasta. GF for me. 

    Have to go shopping tomorrow we're down to empty fridge and cupboards now... 

    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: 971 Forumite
    500 Posts Name Dropper Photogenic
    Well done for staying the course, have a lovely eveningXX
  • skint_spice
    skint_spice Posts: 13,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on standing up for yourself. I love a Cary Grant film too - so glamorous!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Bravo! 👏 👏👏👏👏👏👏👏
    Also very proud of you.

    Good news on sorting out the the extra hour ‘reimbursement’. Makes sense not to go up a tax bracket for a only a small amount and that extra leave day will be quite a treat 😊

    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. 
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