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

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  • KajiKita
    KajiKita Posts: 7,587 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I had similar issues trying to retrieve my monies from Plum … just hopeless. I know they pay good rates but is the stress and hassle worth it? 🤷‍♀️

    Sending a fortifying hug to you and a Paddington Hard Stare to your ex …! 

    KK

    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    I had similar issues trying to retrieve my monies from Plum … just hopeless. I know they pay good rates but is the stress and hassle worth it? 🤷‍♀️

    Sending a fortifying hug to you and a Paddington Hard Stare to your ex …! 

    KK

    Yep I wasn't impressed at all. But I didn't know what else to do. They gave no other option. Hopefully it won't delay getting money out for too long.
    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
  • daisy_1571
    daisy_1571 Posts: 2,086 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    If he always pays under you know what he's forcing you to do....need £240 tell him £300


    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • KajiKita
    KajiKita Posts: 7,587 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    If he always pays under you know what he's forcing you to do....need £240 tell him £300


    I must admit that thought went through my head too … It’s not like he’d know how to contact the school to check, is it?! 😂😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 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. 
  • Watty1
    Watty1 Posts: 6,770 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    i thought the same earlier today but did not want to be the first to put that out here!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • slm6002
    slm6002 Posts: 4,370 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Same here :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    That was my first thought too. Sadly I'd sent him the ski payment letter though so he knows how much is due and when he's just being deliberately awkward and controlling and irritating as usual.

    First day of work is done. Training all day and it was pretty boring to be honest. Nothing new learned and I felt perhaps it was a day planned last minute and tasks in just wasting time for the most part to say we've done enough training days. I guess when you work with students day in day out there isn't much you've not seen or heard. The ones in the office that don't have Daily contact with students probably took more from it than us. 

    Tomorrow is off and I've got docs in morning to get something else for these hot flashes which have started once again....🙄☹️.
    Also need to do shopping in the morning and see my friend at lunch. So a busy enough day really. 

    I tried to make nori wraps yesterday for lunch today. Omg what a disaster. There must be a way of getting them to stick and not fall apart. Perhaps less fillings? Hmm I want to keep trying as I like the idea of veggie wraps. The broken one tasted good so I need to try again. Also thinking of getting a lunch box with compartments in as I'm using take away tubs at the mo which are rubbish really and I end up with two or three if I have lots of different things to eat that need to stay separate.

    Got lots of compliments on my hair today and I have a new best friend after she seemed shocked I was 40. When I told her I was actually 46 she was even more shocked and so I said she would be my friend forever more now 🤣😉. She thought I looked 35 which made me feel better about my bloated face and overweight hips lol.

    Dinner is another leftover. Dunno what yet. I'll find something then I need to do a meal plan for next week too. 

    It rained all day here yesterday so I'm having a day or two off the watering in the garden. 

    Kids both still not back from school so hopefully it went okay, both went to bed at a decent time thankfully so were up early.

    Not much else to report really. Not a NSD but I have had a few since the last time I reported I think so will go back and see when I last reported one on here and check bank to see how many more I've had ...
    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: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    6 NSD since Iast updated them! Will add to sig now.
    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
  • KajiKita
    KajiKita Posts: 7,587 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 22 April at 6:12PM
    Good luck with the GP tomorrow. Take a list of symptoms and questions with you?

    In terms of lunches those divided boxes do look good. The other thing I have been doing for a while is using baby meal Tupperware type boxes for little portions of this and that - they work really well.

    Yaay for the compliment on your hair 😊❤️

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 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. 
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 22 April at 10:23PM
    Bento boxes! Lots of different ones available, I also bought some silicone cup cake cases, there were pink heart shaped ones! 😜 but they work really well to keep small things seperate, like apricots, grapes, humus, nuts etc 
     and they are squishy so you can fit them in different pots!
    Glad your first day back is over and no kids! Only 2 more days this week!!
    Good luck with the gp tomorrow
    ♥️ ♥️ ♥️
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    Decluttering 2025 So far 403 / 2025
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    ⭐My rambling savings Diary ~⭐
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