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

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  • Exciting news DFW, It will be fantastic having the extra space. Our homes are extensions of our lives,family and how we live. It's important that they are moulded so they fit the criteria of what we need at the point we are at in our lives to make us happy. I keep trying to explain this to my Inlaws who live in a wacking great house, loads of land on a hillside (that they can't manage), in the middle of nowhere with no public transport or family nearby that what was perfect for them when it was a family home , with children and good health may not fit their lifestyle now they are elderly and struggling with health issues. I truly believe that our homes have to fit our stage of life to get the most out of what we want. 

    Sorry that was a waffle  :D
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Ah I understand that Penny, DP parents recently sold up their house to move to a smaller bungalow and they love it! I wonder if you can persuade inlaws to have a look around some more manageable properties. Although I also understand moving as you get older gets/ feels more daunting. DP parents were stressed a lot with their move. In fact I was stressed with mine and I'm half their age (almost) 😆.

    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 13 March at 6:03PM
    Work is done. Safeguarding issues after safeguarding issues all day today. Is there something in the air? I was tired before I started and my tired is more tired after all that. 😴😳 
    Nice easy dinner tonight of JP. DP and I will have leftover risotto on ours and kids can have beans and cheese.
    I just had an email from my line manager saying I've had some great feedback on the work they saw me doing earlier 😄 that's nice to hear and nice to have some recognition. I'm not paid much and I try hard to help all that need it so nice to see it recognised.

    DP and I are planning on doing some raised beds for the garden next month. I'm really excited. We've already sourced (from wood hoard) corner posts suitable and we will use some cheap scaffolding boards to make them and I'll find some sort of liner to use on the inside (assuming I need this anyway). I've got a tonne of stones to fill the bottom bit in for drainage and will buy some top soil/ compost then I can start adding some plants and greenery! Be great to see some progress out there 😁

    Right I suppose I ought to go and do some paperwork as I'm way behind with it all. 

    Edited to add- payslip is in and no pay docked for those sick days! I think the people I spoke to at work were right they don't dock you if it is a couple of days. I get paid really early this month for some reason so need to not touch it for 10 days! Might move it straight out of my account into savings for those few days :lol:
    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
  • redofromstart
    redofromstart Posts: 5,858 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I have just lined the base of mine with several layers of brown cardboard. I noticed W1ckes had some good offers on top soil and manure from today. 
  • greenbee
    greenbee Posts: 17,820 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Remember you can layer logs/twigs/uncomposted garden waste (not weeds, obviously) below the topsoil/commercial compost layer if your beds are deep. It all keeps composting below the surface. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 14 March at 6:27PM
    The week is done! Yay! Afternoon was easy, as two didn't turn up (the VERY disruptive loud ones) and morning was long. But...but, it is done. Yay. 
    Hoping for a restful weekend. MUST NOT do all the housework and wear myself out. 

    DD brace is causing her a lot of pain and I am struggling with what to feed her as she has an expander on the top of her mouth and braces at the back of the teeth (the front ones will go on later). I am doing curry tonight which will be soft but I will offer her something else if she doesn't fancy it (and I never do this, I've always been a- eat it or starve kinda mum :lol: but this is different.) Need to consider this for next week's meal plan....! Okay off to cook dinner, spent long enough doing paperwork (1 hour) and I am still 2 weeks behind because of my energy levels not allowing me time to do it during the week :disappointed: ugh...
    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
  • beanielou
    beanielou Posts: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Here’s to a very restful weekend. 
    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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    the extension sounds great especially if DS is helping pay it off. I think getting the experts in to do it well and quickly is a great idea. I did laugh as you said I paid off the loan and next day signed uo for the next one ;)

    ON HRT just track how you feel, i changed the first ostrogen gel as it made me feel quite puffy, I am now on my third kind which suits me much better
    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
  • dawnybabes
    dawnybabes Posts: 3,365 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I just need the oestrogen - was put on patches 10 years ago (ovarian cancer so didn’t get a choice of a hysterectomy young) and I supplemented it with soy isoflavines which I still take - I almost overnight started functioning again.  Took a few weeks to find out what level I needed of the patches.  Hopefully yours is as quick. 
    Sealed pot challenge 822

    Jan - £176.66 :j
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