📨 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
12324262829327

Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 8 March 2024 at 1:09PM
    Morning  Afternoon all, well, thank goodness it is Friday!! My poor foot and hip are killing me today, didn't sleep very well last night either. And we have another particularly hard shift at work to look forward to as we've lots off and we've got temps in. They don't speak any English and they don't understand us very well either and, well, not much gets done if I'm honest it is hard work and frustrating. 15 shifts left before I hand my notice in.... :lol: not that I am counting or anything haha

    So I was paid today. I have paid the green bin for the year, I have also sent the money across to the health fund I started, also put some across to the mortgage too, got to colour in 4 squares of my little house too :lol: Will post a pic in a bit, I find it easier to post pics from my phone rather than the laptop.

    I did another oracle & tarot reading this morning, the money was sent across to the mortgage with the £50 I had already earmarked. I did a lovely meditation before I did the reading, and might very well go back there before work as it felt restful and peaceful and I got to shut my eyes :lol:

    I need to do an online shop but I have left it quite late and there isn't many slots left. I am wondering if it might be better to shop from the freezer, cupboards and make a meal plan tomorrow morning and go out to a physical shop and pick up the shopping this week. I shouldn't need too much so it might work out better to just do that. Although our nearest shop that we like is 15+ miles away and I am trying to not use the car for personal miles. I will see. If I want an online shop I ought really do it right now, and well, I can't be bothered *oops not the correct attitude to money saving*.

    Dog is walked, and tucked up fast asleep wrapped in a blanket as he was shivering, fussy little dog is also spoilt little dog :smiley::wink: but he is so gentle and lovely (most of the time when he isn't annoying us clip clopping on the wood floors) I don't mind too much. He was trying to kiss all the builders doing a roof across the road when I walked him earlier. It is really funny to watch big burly men turn into little kids over an over-excitable dog wanting kisses and hugs haha.

    I hoovered everywhere yesterday and tidied & organised one more area in the house, I also made a nice tomato sauce for plant balls. Today I will soak some rice, prep some tofu so it can marinade all day and find some veg to stir fry with it later. I think we have a lot of meals frozen so I intend on counting them up tomorrow and splitting them down the middle for next week and the week after so I don't have to buy very much from the shops this weekend. We definitely need more veg and bread though.

    Oh and thanks @beanielou & @ladybird1106 some days I am on it, and other days like today I am like, meh, it's Friday I am not doing anything over and above the minimum :joy: 
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Updated sig, need to find another £100+ if I want to make my March target of £194.47 to the MOP. If DP gives me any more money this month I will send it straight there now I have reached the EF target. 
    I forgot yesterday wasn't a NSD, DP picked up another sack of potatoes, £13.50. I will add that to the GC budget.
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • My updated house, garage and conservatory 🤣
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Would it be auful of me to suggest that you leave a week earlier than planned? Have you any holidays to take? 
    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.
  • beanielou said:
    Would it be auful of me to suggest that you leave a week earlier than planned? Have you any holidays to take? 
    No it wouldn't and DP keeps saying the same thing 🙈
    Yesterday's shift wasn't too bad with the foreign workers, these were a new bunch, Romanian this time, and they actually had experience and could speak English enough for us to communicate well. So it was an easy shift and we got everything done thankfully 😁 my boss even stayed behind for an hour to help. I think she knows I am leaving as well as the other supervisor. She will lose both of us within a month of one another I think and that's down to her laziness and bad management so I don't feel bad. 
    We took the next likely candidate for supervisor around with us yesterday showing him the ropes. He says he will turn it down but I don't think he will.

    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 9 March 2024 at 12:20PM
    It's Saturday!
    Thank God.
    I'm tired and I got out of a chair last night and my hip gave an almighty crack and I very nearly fell over. It actually feels better after the crack but was a scary sound. Like a chiropractor crack without the chiropractor price 😏
    A money saving crack 😏🤣

    So today I need to stop by my friend who is moving, she has our car full of boxes we took from work yesterday. I offered to take several bags of rubbish for her to the tip too.

    I have delegated dog bath out to dp as I don't think my back will take it today.

    First on the list for me... twenty minutes stretching and yoga. Then get dressed, and do the job for my friend. Shop from the freezer and make a meal plan and list and go shopping. DP and I are quite excited about going to a shop to choose our own stuff. We've had so much rotten stuff sent through lately it's been disappointing. We've not done our own shopping since before I started this diary. 

    DD is at a sleepover. DS is in a worse mood than last week so he will no doubt hide in his room. I very nearly packed his bags last night to take him to his dad's house. And he said, I don't want to live there either I hate you both. Ah, well that's okay then 🤦🏻‍♀️ I would take the toddler stage over the teenager stage any day!

    Right off to start my day 😁❤️✌️
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • £3.70 requested as a refund on s'burys. More rotten fresh stuff this week. Will update signature to reflect this after I have been shopping- hoping for less than £90 spends today. *fingers crossed* Have been through the freezer and made a meal plan, I have a few *ahem* surprises...I need to get better at labelling my batch cooking :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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • slm6002
    slm6002 Posts: 4,388 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sorry DS is being horrid.  I too find the toddler stage much easier than the teenage stage, but I do believe once through this they become lovely adults that we have raised well - or at least I hope they do   :D
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    They do indeed become very very lovely adults. 
    My DS makes me happy. I could have not said that when he was 15. What a difference 15 years makes. 
    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.
  • Thank you @slm6002 & @beanielou you make me want to hold out hope. He was so horrid last night I cried!

    DP & I went into the city to do the shopping. OMG it felt like I was being taken on a day out :lol: I used to live there for years until we moved here and never felt all that happy about going shopping, but after having moved here to only one proper food shop I felt like it was Christmas....and that is my excuse for going over budget :joy: I budgeted £90 and wanted to come in under it. I came in at £99.93! I also bought a pair of jeans from next, which minus the credit refund I had will cost me £22 and a top in the sale at s'burys, £7 *oops* jeans were budgeted for though, just not that price and not the top :lol: Ah well. I will however make it work, the jeans were paid for with store card, £24 is on there to spend and I will pay the balance out of next month's clothing budget. 
    The food shopping is still okay if I can bring any more shops in under £125 before our month is out. I think it's okay. I got a few extras that were on sale like coffee- that was an extra £5 right there, and bread that had been reduced, £3 there too, so that is basically my overspend :wink: 
    We were super restrained too, DP said to me every time I picked up clothes, how many squares would that colour in :wink::lol: anyone listening must have thought him mad. But it made me look at shopping in a different way, I'd rather pay down our investment than have a new top I will be bored of in 2 months. 
    Listed four things on v1nted too, first time using it and i have listed possibly too high on price but I wanted to try it and I can reduce the price if no bites. 
    Okay off to chill and eat dinner and watch a movie snuggled on the sofa, I've over peopled today :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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.