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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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I have seen garden designers describe three trees in a tiny London garden as ‘a woodland planting’ so 10 trees definitely counts 😊
I’m very jealous about the blue glazed pots! They sound lovely 😊
Hope you enjoy your friend’s company once you’ve had a breather 😊
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 32 books of target 52 in 2025, as @ 28th June
Produce tracker: £183 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.1 -
Had a nice catch up with my friend. I forgot she hadn't seen my new house so we had a wander around and I showed her everything. She thought it was much more 'me' than my other one in terms of character and age of house and location (near shops 🤣).
She's also offered to host us in her home for a holiday but I'm not sure I could impose that much with four of us. But it's in the sun....and near a beach....and we can't afford a holiday this year 🤔. I said it was lovely of her to offer and I would speak to DP. ☺️
My other friend paid for my time yesterday so I will see what I have left at the end of the week and see if I can sweep some money over to savings.
Anyway movie and time to flake 😇
MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200.
Total- £962.23
Goal to pay off 1% of current mortgage in one year. £1200. (80% there)
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debtfreewannabe321 said:Had a nice catch up with my friend. I forgot she hadn't seen my new house so we had a wander around and I showed her everything. She thought it was much more 'me' than my other one in terms of character and age of house and location (near shops 🤣).
She's also offered to host us in her home for a holiday but I'm not sure I could impose that much with four of us. But it's in the sun....and near a beach....and we can't afford a holiday this year 🤔. I said it was lovely of her to offer and I would speak to DPSay yes. Have the holiday. I think you need it.You can ‘pay it back’ in friendship to your friend or pay it forwards to others in some way, at some point in the future, but don’t turn The Universe down … yes? 😉😊
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 32 books of target 52 in 2025, as @ 28th June
Produce tracker: £183 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.4 -
Enjoy your time with your friend.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.2 -
& I agree with @KajiKita. The universe is telling you something.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.3 -
Haha You're right @KajiKita, and I DP is away till tomorrow but I said to friend thank you so kind and would love to, let me speak to DP...but her apartment is small, I don't think 4 of us would fit with her and her partner. Perhaps two of us at a push but not four so will see what options we haveMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200.
Total- £962.23
Goal to pay off 1% of current mortgage in one year. £1200. (80% there)
1 -
Could you & DP go for a week?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.0 -
beanielou said:Could you & DP go for a week?MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200.
Total- £962.23
Goal to pay off 1% of current mortgage in one year. £1200. (80% there)
3 -
Could you go and camp? Or the kids camp in the garden? Fingers crossed you find a solution.Save £12k in 2025 #33 £2531.77/£5000 (If this carries on I might have to up my target!)
April take lunch to work goal - 3 of 122 -
Maybe friend would let you have it just for the four of you for a week?Or, maybe it’s not meant to happen atm. Maybe there will be further opportunities, when there are grandchildren to include … 😉😊
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 32 books of target 52 in 2025, as @ 28th June
Produce tracker: £183 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.1
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