We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Buying a little piece of Middle England; Manifesting my way to mortgage free.
Options
Comments
-
It looks good and v homely
- a vote for your garden room!
I’d just keep journalling and doing your meditation every day. Give yourself say a month just to see what keeps coming up. What ideas you like and keep building your vision board as you go in your new career because it should be a career that you loveDON'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#latest1 -
That looks fabulous! Does the stove work? (Also, I have the same lamp, so you clearly have good taste
)
I can see why you don't love the fireplace, the arch is odd. You really need to lower the top of the opening (which would mean lowering the metal plate inside the chimney so the heat doesn't all vanish up there) and straighten it. It might be worth asking your chimney sweep whether they can help.1 -
greenbee said:That looks fabulous! Does the stove work? (Also, I have the same lamp, so you clearly have good taste
)
I can see why you don't love the fireplace, the arch is odd. You really need to lower the top of the opening (which would mean lowering the metal plate inside the chimney so the heat doesn't all vanish up there) and straighten it. It might be worth asking your chimney sweep whether they can help.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.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
1 -
LadyWithAPlan said:It looks good and v homely
- a vote for your garden room!
I’d just keep journalling and doing your meditation every day. Give yourself say a month just to see what keeps coming up. What ideas you like and keep building your vision board as you go in your new career because it should be a career that you loveMORTGAGE 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.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
2 -
I think it looks lovely. You have both done such a lovely job. Do you use the log burner ? (think that is what it is). What is is about the fireplace that you don't like?Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.601 -
I love, Love what DP has done he is a catch, you better remind him now and again 😂😂😂😂1
-
It looks lovely although I smiled at the colour coded books. Mine are by subject or author but yours look much prettier.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
debtfreewannabe321 said:greenbee said:That looks fabulous! Does the stove work? (Also, I have the same lamp, so you clearly have good taste
)
I can see why you don't love the fireplace, the arch is odd. You really need to lower the top of the opening (which would mean lowering the metal plate inside the chimney so the heat doesn't all vanish up there) and straighten it. It might be worth asking your chimney sweep whether they can help.and that it really does need to be fixed. I'm pretty sure it can be done with heatproof plasterboard rather than needing to put in a new lintel and add bricks above (the proper way to do it!), as long as you can lower the register plate (or maybe just put a new one in at the lower level. Then you'll be able to fit a nice big mirror above it without it looking weird.
And there is no such thing as too many lamps. When we were redoing the sitting room (which is huge and only had one light in the middle - unlike the tiny shower room which has 6 LED downlighters) we got the electricians put in 5 amp sockets round the room so I can turn all the table lamps on from the switch on the wall. I've just got some smart plugs with a remote control for my mum so she can do the same without the dust...redofromstart said:It looks lovely although I smiled at the colour coded books. Mine are by subject or author but yours look much prettier.3 -
I have major shelving envy! Looks great.Mortgage OP 2025 £6250/7000Mortgage 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)1 -
Yes, you’re right about that fireplace! Poor DP - completely outnumbered, thanks to us! 😂 I think it’s the combination of the curved top and the straight edges of the tiles behind and the wood stove itself that are making me twitch …
I always like a mantelpiece over a fireplace … 🤔
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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.2
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards