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

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  • CrazyBee787
    CrazyBee787 Posts: 963 Forumite
    500 Posts Name Dropper Photogenic
    Oh and one more update before I go off to exercise- DP is getting a bonus! He wasn't sure he'd be entitled because he wasn't in the business when they had been agreed but his boss has said yes he will. So I think April time it should be here...we are going to use some for a well deserved holiday! Maybe abroad, maybe not we haven't priced anything up yet. It should be around £4k but then after tax.......£2880 (according to a calculator I found). So another month's salary really. 
    OOh that is some fantastic news, well done to DP, I hope you can have a lovely holiday with thatXX
  • Okay today I was scrabbling around for money. I found a Mr T voucher with £28.50 on. £20 cash. Borrowed £40 from wages and will pay it back tomorrow from CB. 
    Ended up spending slightly over £14- partially because I was adding it up going around Mr L and was taking into account the fact I had a 10% off voucher plus a couple of other vouchers which didn't work and partially because I couldn't help it I needed the few extra bits. So today's spends are £103 but I have messaged Mr L as till person said it's been broken all day and we should get a voucher or refund back via customer service....so we will see. Then I will have only overspent by around £7! 

    Got to make some hummus and dinner and some scones I promised everyone yet then I can rest. In between clothes washing and tidying. 
    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: 7,782 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Great news on the bonus - well deserved Mr DFW 😊
    However, let’s back up a little here … “DP soon to be DH” …? Is there something you’ve not told us, hmmm …?? 🤔😊

    Well done on the grocery spend juggling. That’s Ninja level! 😊👏

    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. 
  • Made lots of bits today and used up little bits here and there from my baking cupboard. Choc cookies, fruit scones and hummus as well as a creamy mushroom pasta (which I didn't like 🙈- the rest was good though). Cleared lots of space as I had little bits left of flour and sugar and other bits and didn't really know what to do with them all. Also DP totally over estimated how many chickpeas we would need for curry the other day so I've made two huge portions of hummus and frozen one. And I still have enough chickpeas left for a curry 🤣 I will be in charge of soaking chickpeas next time I think..I'm sure he must have put at least a kilo in to soak!
    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: 963 Forumite
    500 Posts Name Dropper Photogenic
    Sounds like a very productive day go team debtfreewannabe321XX
  • redofromstart
    redofromstart Posts: 5,861 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I end up roasting the leftover chickpeas - bit of oil, salt and spices and then crisped in the oven. 
  • I end up roasting the leftover chickpeas - bit of oil, salt and spices and then crisped in the oven. 
    The kids love this! I will do some later thanks for reminding me...I do it in the air fryer for them. That can be their snacks this afternoon as I still have a huge pyrex dish full 🤣
    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
  • greenbee
    greenbee Posts: 17,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I must soak some chickpeas (I do vast quantities in one go and freeze them in batches). And possibly some carlin peas too as I seem to be out of those. And cook some lentils, as I'm out of those too. It makes life so much easier. 
  • dawnybabes
    dawnybabes Posts: 3,371 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My DH wouldn’t eat pulses if he could see them so I used to batch cook the Waitrose bag of dried pulses to mush in the pressure cooker then freeze in little portions and lobbed them into everything I ever made with a sauce, 
    Sealed pot challenge 822

    Jan - £176.66 :j
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