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

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  • slm6002
    slm6002 Posts: 4,394 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It really does always happen.

    When we moved into my grandparents house after my grandad dies, I spent almost a year in a caravan.  Not the most enjoyable time especially in the winter when every single pipe burst, but it allowed us time to build a lovely house.

    Hopefully the perfect plan will appear soon
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Really sorry to hear how unhappy your eldest, is and totally get that you would want them to be able to stay with you for a while until they get themselves a bit more sorted! I would be exactly the same.
    Could you take out the old garden building and put in a log cabin? Just another thought. We bought an ex display cabin, I can't remember but there was a good amount off it and they came and put it all up. Then when they do move on you either have a lovelyy sunroom or another office space. This plan does have the added bonus of giving them their own space, away from the rest of the family! 
    ♥️ ♥️ ♥️
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    Decluttering 2025 So far 403 / 2025
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    25 in 25 So far 1 /25

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  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    I am now seeing you as Michell Pfeiffer in Dangerous Minds ! Go you ! 

    They need to learn to communicate better so go you for being a great example despite their behaviour 


    thanks for sharing your story - I am sorry you went thru that and no worry you get triggered by aggressive men
    unfortunately physical and verbal abuse in the home is far more common than any of us expect  - and increasingly people (mainly women ) are stopping pretending all is fine and finding a way to escape and truly live their lives to the full - the book sounds  great 

    I am sure your DS1 is relieved to have an escape plan . A nice cabin sounds lovely - guess you will have to cost all ideas out more fully 

    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
  • slm6002 said:
    It really does always happen.

    When we moved into my grandparents house after my grandad dies, I spent almost a year in a caravan.  Not the most enjoyable time especially in the winter when every single pipe burst, but it allowed us time to build a lovely house.

    Hopefully the perfect plan will appear soon
    Oh no ...I've heard some horror stories about living in caravans in the cold. Didn't fancy that on the drive anyway...and that might push DP too far losing his car parking to a caravan 😂

    I'm waiting for the plan to just come together...it usually does if it's meant to be.
    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
  • Really sorry to hear how unhappy your eldest, is and totally get that you would want them to be able to stay with you for a while until they get themselves a bit more sorted! I would be exactly the same.
    Could you take out the old garden building and put in a log cabin? Just another thought. We bought an ex display cabin, I can't remember but there was a good amount off it and they came and put it all up. Then when they do move on you either have a lovelyy sunroom or another office space. This plan does have the added bonus of giving them their own space, away from the rest of the family! 
    Can I ask where you sourced the log cabin as that's an idea I'm floating around. Most are so expensive though. Has it held up okay? I'm worried they're not a long term thing and I will waste my money...
    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 am now seeing you as Michell Pfeiffer in Dangerous Minds ! Go you ! 

    They need to learn to communicate better so go you for being a great example despite their behaviour 


    thanks for sharing your story - I am sorry you went thru that and no worry you get triggered by aggressive men
    unfortunately physical and verbal abuse in the home is far more common than any of us expect  - and increasingly people (mainly women ) are stopping pretending all is fine and finding a way to escape and truly live their lives to the full - the book sounds  great 

    I am sure your DS1 is relieved to have an escape plan . A nice cabin sounds lovely - guess you will have to cost all ideas out more fully 

    😂 I used to love that movie. Gangsters paradise is one of my fave karaoke songs 🤣.

    I spoke to another tutor today who pulled me aside to ask what had happened. After I'd told her she told me the exact same culprits did the same to her only she'd not handled it well and was left crying as they just refused to leave her class. Thankfully for me a tutor came in and kind of broke it up as it was getting really bad. 

    A cabin does seem like a nicer option especially as we will see it out of our dining/ kitchen area. It's not going to be hidden away at the bottom of the garden but in full view 😁
    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
  • redofromstart
    redofromstart Posts: 5,864 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Both of our cabins came from Tuin if that helps. Don't forget the need to insulate and to add proper flooring to your costs. We used plastic grids rather than a concrete base which was a lot cheaper and easier. The hardest and slowest bit was putting the roof on. 
  • redofromstart
    redofromstart Posts: 5,864 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Also are there any cheap shared work spaces your DP could rent a desk at rather than building a home office?
  • beanielou
    beanielou Posts: 95,682 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    My ex physio had a pod & it was fantastic.
    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.
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    One debt remaining. Home improvement loan.
  • greenbee
    greenbee Posts: 17,849 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have a friend who builds shepherds' huts. The latest one they've done has a bedroom, living room with kitchen, and a fully-functioning shower room. 
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