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

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Haha redo I will remember that one then. Last week she got rice stuck ๐Ÿคฃ๐Ÿ™ˆ๐Ÿ™ˆ๐Ÿ™ˆ so that's a no to any small grains lol.
    I've made her a tonne of soup so she's had a bowl of that for tonight. Some pain killers then bed for her I think!
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning all, orthodontistย today and I've already had the reminder for next week and to allow two hours for brace fittings then..it should only take ten mins today though (an hour drive there and back again though!)ย 

    I want to spend an hour in the garden today. Sky is not as blue but the birds are singing joyfully so I will join them in a bit. I've found about 60 plant pots scattered around the garden. I should never have to buy another one again I reckon ๐Ÿ˜†. Every time I go out I find another thing to collect into a pile (our garden isn't that big either!)

    The old dilapidated shed is beyond fixing. As we took down the wood pile the roof collapsed In as did one wall, it's completely rotten..I'll ask DP to disconnect the electric then start to take that down. We might even be able to give the wood away as one of the guys who collected the last lot was using it for all sorts of things. DP is wondering if he can fix the summer house up enough to use again as we've decided to use it to store all the garage stuff in (tools and paints etc) for now...we will use the other shed that we think is ok, for garden tools (still full of wood & spiders that one it's tiny though like 3x5 ft) and that way we will have an empty garage so we can start to properly measure up for plans for conversion for DS. We change our mind a lot but as we clearly spaces it's easier to see what each space should be used for. So that's why ๐Ÿ˜‰.

    The last payment for the small loan should go out very soon. Meaning we can start next month on a new budget and new plans for paying down the mortgage. I'd love to get around the ยฃ100k mark before our mortgage is due for renewal which will be 2027 (we're teetering on ยฃ116/117 now).... That would give us a great LTV rate I think. It will also coincide with maintenance being lowered so I think this is the best way to use it for now, knowing if we need the money we can just lower the OP in any month. Less than ยฃ99k seems like it's less overwhelming than ยฃ100k. Silly really but there we go ๐Ÿคท๐Ÿปโ€โ™€๏ธโ˜บ๏ธ. My first goal is to get to ยฃ115k!

    Hopefully a NSD but then it depends on how much pain DD is in ... She's decided to go to school this morning even though I said she can have the morning off. So that leaves a quiet house. I'll get up and get on then got some jobs to do before I collect her at 11.30. - including making some pancake mix ๐Ÿฅž as I didn't do it yesterday and DS was upset ๐Ÿ™ˆ. Hope the birds are singing for you all and the sun is shining wherever you are!

    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    We didnโ€™t โ€˜doโ€™ pancakes last night either as I was out, weโ€™re having them tonight ! Mine is 22 and was upset too ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ
    Sealed pot challenge 822

    Jan - ยฃ176.66 :j
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    We didnโ€™t โ€˜doโ€™ pancakes last night either as I was out, weโ€™re having them tonight ! Mine is 22 and was upset too ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ
    We've just done them and I had to use GF flour as I thought we had normal but nope the tin was empty oops. However the kids and DP preferred the GF ones DD hates pancakes usually but said they were lighter, same as DP said. He's had to pop out though as I ran out of mix everyone else has had between 5-10 each and I got two ๐Ÿคฆ๐Ÿปโ€โ™€๏ธ๐Ÿ˜† suppose at least they were a hit but I've spent over an hour cooking these one by one. I love pancakes but I hate the process of doing one at a time it takes so long!
    I literally had just walked in from the nurse taking like 5 vials of blood too and was feeling a bit faint to DD telling me she was hungry and looking forward to pancakes. It's the first time she's shown interest in food in a week so I had to make it there and then in case the moment passed ๐Ÿ˜†. She ate five which she never does!ย 

    The orthodontist was late too we waited over 45 minutes for a five minute appointment... pretty much the same as I did in the Dr surgery...40 mins wait and five minutes in there ๐Ÿ™„ this is why I do not bother with drs unless absolutely necessary and even then I've usually got to be cajoled into an appointment. What a wasted afternoon.ย 

    DP cut the grass and it looks much better for it! I went out to do a little and just felt overwhelmed and didn't know where to start and came back in. ๐Ÿคท๐Ÿปโ€โ™€๏ธ

    Anyway next lot of pancake mix coming up (for GF and Vegan they're pretty good!) I will be here all night I think!
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
  • CrazyBee787
    CrazyBee787 Posts: 889 Forumite
    500 Posts Name Dropper Photogenic
    I had pancakes this morning they very tasty, I did pancakes at the weekend too for 4 people me included it does take a while, but when everyone enjoys it, it feels like it is worth it!

    I love lemon and sugar topping, sometimes I have the odd cinnamon and sugar topped one too and rolled up also!
  • redofromstart
    redofromstart Posts: 5,824 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    I am with you on the overwhelm, but mine is the other way, its the house, not the garden.ย  I make myself do five minutes, grab a bucket and fill it with weeds, or move something into a sensible pile (the pots that you mention for example), just something small so that there is a bit of progress.ย ย 
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thereโ€™s an Airfryer clip going round with American pancakes. (These work with GF not sure about no egg though) where they just pour a tablespoon ish amount onto baking paper and repeat till theyโ€™ve a stack of about 10 then switch the Airfryer on - ta-dah 10-15 mins later open the drawer to a lovely cooked stack of pancakes !ย 
    Sealed pot challenge 822

    Jan - ยฃ176.66 :j
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thereโ€™s an Airfryer clip going round with American pancakes. (These work with GF not sure about no egg though) where they just pour a tablespoon ish amount onto baking paper and repeat till theyโ€™ve a stack of about 10 then switch the Airfryer on - ta-dah 10-15 mins later open the drawer to a lovely cooked stack of pancakes !ย 
    Whaaaat why didn't I see this tip before ahhh!!
    I will have to give this a go! The mixture holds quite well I use Besan flour as egg replacement โค๏ธ
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I am with you on the overwhelm, but mine is the other way, its the house, not the garden.ย  I make myself do five minutes, grab a bucket and fill it with weeds, or move something into a sensible pile (the pots that you mention for example), just something small so that there is a bit of progress.ย ย 
    I am going to do this tomorrow not sure what was wrong with me today but I walked around the garden and just sighed at it and shook my head and said no not today and went back in ๐Ÿคฆ๐Ÿปโ€โ™€๏ธ๐Ÿ˜† I wonder if DP saw me as he was cutting the grass without me even asking when I saw him next!
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I had pancakes this morning they very tasty, I did pancakes at the weekend too for 4 people me included it does take a while, but when everyone enjoys it, it feels like it is worth it!

    I love lemon and sugar topping, sometimes I have the odd cinnamon and sugar topped one too and rolled up also!
    They all ate so much I was there for hours ๐Ÿ˜†๐Ÿคฃ if it were quicker I think I'd cook them more regularly than once a year lol!ย 
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
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