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

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  • slm6002
    slm6002 Posts: 4,391 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That is a nice bonus from the supermarket.  And your day sounds like it went very well.  Maybe it just needed people to stand up to this student and report him so that things changed.  Now if they could sort out your Friday student too, I bet the job would feel much better.
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I’m pleased you had a better day yesterday. Sorry you’re feeling under the weather, there is so much going around! Try and relax today and do very little, you deserve it! 
  • slm6002 said:
    That is a nice bonus from the supermarket.  And your day sounds like it went very well.  Maybe it just needed people to stand up to this student and report him so that things changed.  Now if they could sort out your Friday student too, I bet the job would feel much better.
    Guess what! I logged on to the Mr L app to show DP and there was a £20 + £10 voucher 😱 they'd added another £10?! I had responded to an email they sent me to leave feedback so maybe that is why? Or maybe they were feeling generous or perhaps it was a mistake? 
    I feel a bottle of gin coming on 🤣 we've been unable to afford one for ages in our grocery budget so I think I might get one now 😆 as well as food ... 😁
    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’m pleased you had a better day yesterday. Sorry you’re feeling under the weather, there is so much going around! Try and relax today and do very little, you deserve it! 
    I had a good night sleep eventually. Hot flushes a little but did sleep well eventually. I do my best sleep around 5-8am and my alarm goes off right in the middle of that! So this morning DP left me to it and got DS up and made their lunches 🙏🏻 I got to lie in for a bit before DD woke me up 😆 so feeling slightly better but still have a weird headache that will not budge! 
    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
  • Okay today has got off to a later start than usual but I don't care. 
    I've had some cash back paid into my account the grand sums of £2.48 🙄 🤣 took four months to be processed too. Oh well. It came in the right month really and at the right time being end of Jan (which feels like six months in itself). 

    DP and I were discussing raised bed plans this morning. I'm excited for them to be made. And we may have enough money this month to make a start on them. Otherwise I'll just have to wait until next months pay. We've dug six spaces out for them, so I know where they're going. Just need some wood now and we've decided on scaffolding planks for them so we know a local chap who sells the cheap. They're all treated so all good to go and they already look rustic which is the look I like. We've used them a lot for other projects so should be easy enough to work with. Feeling excited for spring 🌼🌱.

    Dinner this evening I think is a pasta sausage mix. I will see what's left for the other two evenings meals and make sure we have enough in for them. If not I'll pop to Mr L and use a voucher 😁🙏🏻.

    I'm picking up a lovely picture at 1pm off FB MP -£20 oops. But it's of our favourite house in the city. A lovely old wobbly looking Tudor style house which we often walk past and admire. We have two other similar prints of other views around the city so it will join those on our 'local views' gallery wall. 

    I will have a little clean round the house and maybe get out for a walk. I'm worried about losing all my fitness and my asthma returning..and also my heart has been feeling weird. It's much better when I am fit and healthy. My heart has been beating so hard it feels like it's going to jump out of my chest and it feels like it skips beats sometimes or sometimes has too many which make me dizzy. I think I'm going to have a wander to the docs and see if I'm still registered at this one (I received a message a while ago asking if I still lived in one of my old houses and I forgot to reply oops I don't know if I'm now deregistered?) and I will make an appointment for blood tests/ appointment. This feeling I have is one I used to have a lot with anaemia. I don't really have all the other symptoms I used to get though so I'm stumped... My sister's & mother and nan all have heart murmurs though and a cousin serious heart defect and one sis was born with holes in heart and one uncle had triple heart bypass at 34 heart problems run in family...so I'm wondering if Is just that my heart playing up...an undetected heart murmur - I do have a lot of the signs on that... I know they can be harmless so not that bothered but feel I ought to get It checked out. I usually avoid docs at all costs choosing mainly to heal myself but this one is worrying dp esp the dizziness and the sweats when just walking up the stairs which disappears as soon as I've got my breath back. I'm not that overweight so don't think it's my weight (I'm a dress size 10-12 but am small boned so perhaps still a bit big for my ideal) .. So anyway. Perhaps not the place to put this but just writing it out makes me think yep I'll get it checked. 😊 And it's bright and sunny out so I will walk should only take about ten minutes or so. Will see if I can register DP whilst there and change address for kids too. None of us have used the docs in years so I better make sure they've got all the right details.

    Aside from these bits not much else planned really. Nice and slow paced day I hope. 🙌🏻
    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
  • Right walk to docs done and then on to the shops. Can't make an appointment yet as they need to change my name on the system and address. Kids done too. And a form for DP is back home. 
    Got some rocket at the shops as I had a voucher and also got some new herbal tea as I'd run out. Some days at work it's all that keeps me going is a cup of tea 🙈🤣. So I've spent from Feb's budget really. I was going to go down to MrL but it was another half hour walk and then another twenty minutes or so back home and Mr W was right near me so 🤷🏻‍♀️ naughty as I had a voucher.... however If I don't spent that voucher in the next few days I technically have £30 back in my Feb budget right there - although I probably will have to spend a tenner on some lunch stuff later. I'll try to keep it to £10 then still have the £20 one left 🌼😃 always a silver lining eh. 

    It's fresh out there but not freezing any more and was an enjoyable walk all wrapped up. The sun was shining, local RAF planes were overhead and it was lovely and quiet aside from the road noise (which coming from London always just feels like comforting background noise to me). 

    Right leftovers for lunch for DP and myself - curry and rocket with lemon on the side. Yum. Then I will go collect the pic I'm getting and have a chilled afternoon I think. One wash is done -just can hear it trying to take off on the final spin. I will put the other one on. I'm tempted to give it some fresh air outside and then finish off in TD later. 

    My friend is back from abroad and I had informally planned to see her today but I'm not feeling up to it. Still headachy and the walk has exhausted me as well as refreshed me 🤔😆 so I'm not going to message her ..I will catch her next time she is in England. Ok wash is done let's try hanging it out and see how dry I can get It! 
    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
  • skint_spice
    skint_spice Posts: 13,436 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’ve got my washing out too, it’s sunny but very cold!
    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)
  • slm6002
    slm6002 Posts: 4,391 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I have a heart murmur and have since birth apparently.  Never caused me any problems so far.  Fingers crossed it is nothing to worry about, but at least it has made you change details at the doctors, which is better than waiting and having to do it when needing an emergency appointment
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • slm6002 said:
    I have a heart murmur and have since birth apparently.  Never caused me any problems so far.  Fingers crossed it is nothing to worry about, but at least it has made you change details at the doctors, which is better than waiting and having to do it when needing an emergency appointment
    Yes ditto for mum and one of my sis they never had an issue so far with it. The other one has had problems with hers with dizziness and fainting etc but I don't think it's anything to worry about necessarily but will get It checked.


    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 got my washing out too, it’s sunny but very cold!
    I've brought it in! 😆 It was out a few hours though and I'd say about 40% dry. The sun had moved around so much though it was shady so I've just brought it back in and put in TD. The other load I will just stick in TD 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
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