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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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Yes I told her the moment the last payment is paid which I think is Nov this year then she will be able to start. Her birthday is July so only pushed back a few months and I said all money would go to her then for that, but she's still annoyed (as I would be too!)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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£100 OP made and my balance has dipped into the £116k now. I'd love to get this to £110k by the end of the year but I think that might be a stretch 🫢. However I've upped my monthly £60 DD OP to £100 and will try to keep it at that. I'd like to get it up to £200 OP eventually but baby steps.... perhaps next I'll aim for £125 or something... 😆
Work is a nightmare today but I am on countdown so don't care- it's very tiring though when it's mentally sooooo draining some days.... 9 hours of work left until holidays 💪🏼 I got this. I hope 🫢😆.
Kids go away next week and so does DP for a conference so I actually have a quiet house for two days, not even FLD to keep me company anymore...it will be strange but perhaps liberating too to only have to think about myself for once.
Right back to work...
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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Another NSD so up to two now. Need to change my sig for April.
I've come home from work and gone straight out into the garden after a five minute rant at DP about work. I needed to decompress. I feel slightly better now. Thursday's have become so demanding and draining. I don't think I'm paid enough for what I have to put up with sometimes (most of the time actually) 😏🙄.
I'm doing dinner whilst DP is spending half hour in the garden probably to do the same thing after he finished work 🙈. He's made the last two beds for the main part of the garden and he's painting them up now..I will try and get a pic of them when done. I cleaned the third patio area today which is super dirty and messy and I haven't actually done a proper clear out job down there yet so it was hard. I did about half the clear up and will go back to it. There's broken glass everywhere which I tried to clean up but honestly gave up and sat on the sun lounger for twenty minutes Instead in the end 😂.
DS is in a grumpy mood and he came down whilst I was busy and stood over me just like his dad used to do and demanded to look on my phone for a pressure washer. I'm asking him to wait and he just gets so moody and doesn't understand / care about (?) anyone else's issues or problems or if they're busy. If he wants something he wants it NOW. He didn't take it well when I said nope you'll have to wait. So he's huffing. And I'm so tired I don't care.
Right dinner, which will be yummy we have peppers, onions and tofu in Spanish sauce with rice 🤤😋.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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I made it to the last day! Yay!
So so tired but I can do this!
Have Drs appointment this morning then off to work hopefully not too late.
Hoping for another NSD but won't declare it until I'm home as I might be needing a sweet fix by then 😁🤣.
It's dress down day too so I get to wear comfy clothes today (absolutely need to lose a few lbs!)
Any other school/college readers...well done you made it too (if your holidays align with ours)!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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Well done! I hope your last day of term goes quickly and is incident free!Mortgage End Date: Apr 36/Aiming for Apr 28/Current Dec 32
Mortgage OP 2025 £5350/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £37,597
2029 Holiday fund £356/7000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Well done.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.1 -
Well the working day is done. Didn't come a minute too soon. I'm exhausted.
Drs appointment - no build up of wax. Asked me a few other questions and wants to refer me to ENT instead of usual hearing test. Thinks it might be menieres disease? Don't know much about it tbh but did have a quick search online in lunch and the symptoms mostly fit, although I don't feel sick/ get sick. Also I don't have tinnitus. So I'm not sure. Anyway it's done and he said I might need to wait a few months. The appointment was on time and only a few minutes so I was at work only five minutes or so late.
Half way through my morning I went to get something out of my bag and a bloody great big spider was on it. I nearly had heart failure as I was cms away from touching it (I have a phobia), a student came over and went to move it for me and he jumped back 🤣 apparently too big for him too. Another one came over and looked and also said no, third time lucky one took it away. 🤦🏻♀️ What a palava.
So much noise on a Friday. I'm unsure why many of them come to college. They come for the mark on the register and then refuse to do anything. Then at the end of the year they'll be confused as to why they didn't get a certificate of achievement of whatever course they're doing. Shocking how many we have like this. They're so disruptive and disrespectful to everyone else and I'm glad I don't need to be around it for another two weeks or so. One of the worst offenders for this didn't show today so thankfully his counter part who did show was a little better behaved because he didn't have his friend there. Still too noisy though, so I have a headache. I feel grumpy and tired and can't be bothered cooking or doing anything right now apart from sleeping. I think I'll go into the garden instead and try to get a few small jobs done, I'm still on cleanup mission before we lay some groundwork (probably just some patio slabs) for the new greenhouse. The new greenhouse will be my new area of sanctuary when the weather allows (that's the plan anyway).
I have my fingers crossed for good weather over the holidays 🤞🏼!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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Happy holidays.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.1 -
Thanks Beanie ☺️
I spent an hour in the garden and DD joined me. I watered all the plants and sat and chatted with her on the sun loungers.
She was chatting to me about work experience. She had originally taken the easy route of asking a friend's dad to work with him. He's a painter and decorator..I heard this and laughed and laughed and laughed. My dearest daughter is not one for helping with painting and decorating and avoids actively so you can imagine my surprise when I'd heard this. Anyway she went away and thought about it and agreed and has applied for an infant school (one DS2 went to when we first moved here ten years ago so very local) and they've said yes we'd love to have you. So she's decided on there and also is thinking about uni. I said no rush but I think a lot of the kids at her school are being pressured by parents already to decide on what they want to do at 16 😳. So we were chatting about that too.
She also told me my two sisters were going on holiday together over Easter. My heart dropped to my tummy and I felt sad and pushed out once again. But tried not to let that show... I've not heard from one sister in years and the other has stopped talking to me since I moved here. Which ironically is up the road from her now ☹️. My mother also doesn't talk to me. I feel sad and confused by the whole thing and don't understand what I've done wrong. DD feels they are jealous. We all collectively (sisters and mother and myself) suffered terribly at the hands of the same abuser and I'm the only one who's managed to move on with my life .... perhaps she is right in her observation but I still feel sad. Anyway.....
I intend to have a nice holiday in my garden even if not on holiday holiday with family I will have a good time. Next week I have in my diary already a long overdue date with a friend for pizza, meeting another two friends at some point and I want to get my hair cut too. As well as hopefully good weather for some garden therapy ♥️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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🤗. 🤗. 🤗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
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