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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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I sold something on v1nted last night! 🥳
It says I have to post it out before the money is released though. And once buyer receives it then they will release the money. Hmmm. I didn't realise that's how it worked.
Anyway £8 made. ☺️
I've a few more things on there and one seems to be a favourite of a few so hopefully that will sell soon too 😁
I've received a card from the dog for Mother's Day 💐❤️🤣 I think DP was hedging his bets that the two smaller kids might forget. DS1 sent me a card last week - 10 days early I think that is because he forgot my birthday and thought he better make up for it. I'm not bothered anyway I'm not one for big commercial days, I'd rather my kids treat me kindly every day and remember me more than once a year please 🤣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
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My sentiments exactly, over commercialized as well. Told my kids the same thing. Not interested at all. My mum insists on a card but that's it.
Love 🐞
Grow your own: £14.661 -
Mother's day is a bit of a weird one isn't it? It's nice to have a set day to do something nice, but doing something over the top seems odd. My mum likes a card and flowers, preferably daffodils.2
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Morning all
I agree with both of you with regards to Mother's day. I ummed and ahhed about sending my mum a card, but felt at odds about it. We haven't spoken for a few years now and it all turned too distressing for me if I am honest being shunned for no reason. My younger sister thinks mum is suffering with mental health issues and perhaps memory problems, so not her fault. But all I know is I rung, and rung and got ignored. I knocked on her door and she was in and I got ignored over and over, and I have even sent her letters which were ignored. However, she sent me a birthday card this last month which had me feeling all upset again. Mum and I used to be so close and I looked after her and cared for her when she had a hip replacement, then to be shunned for goodness knows what reason....it stings badly. I was off social media all day yesterday because I couldn't deal with the happy pics from everyone else. My DD got me a card, DS1 sent one and a text and I got a candle from DD. A card also from the dogand not even a hello from DS2. I am glad it's all over
So yesterday DP cooked dinner for me, I already had an Irish stew planned, I did have a recipe but I was going to add and take away ingredients as I saw fit as I cooked it. But he insisted so I let him. DD ate some which I was glad of, DS2 I haven't seen his bowl yet so not sure what he ate. DP complained about it the whole time he was eatingI thought it was okay to be fair considering he's never done a stew and isn't Irish
My mother is half Irish, my nan is Irish so I grew up with the carnivore version of Irish stew throughout my childhood and DD said DP desecrated the Irish memory and tradition in my family with his version. She was joking of course and we did have a laugh about it. I think mine *might* have been slightly better
But honestly I was grateful I didn't have to 1- cut up the swede, 2- cook. Was a funny enough evening thanks to his efforts and he joked and said he ruined it on purpose so that I could take the helm again with the cooking.
that wouldn't surprise me lol.
Yesterday I woke up and decided I wanted to move furniture around. I do this every now and then, ExH would argue with me and never help and my poor back, I am not sure how I used to manage it, but sheer willpower to go against his wishes would usually have me moving furniture across the house on my own. I am grateful that DP goes along with me and helps and never argues, telling me he likes my vision of change and happily moves stuff.So with that in mind I had a sofa in my conservatory, a beautiful pink one that is getting ruined out there and going to waste, so I wanted it in my bedroom, through the dining room, up the stairs, over the bannister and through the door. Then the cupboard that was in my room (think big heavy Victorian one with 6 drawers) down to the hall and the cupboard that was in the hall out to the conservatory (nice and cheap and light actually, slightly awkward as it is big, but I moved this on my own). Sounds easier than it was, DS2 refused to help, but we did it between DP & I eventually. It took a couple of hours. I abandoned the conservatory half way through renovating it into a new useful space because my back and shoulders were hurting. I didn't let on to DP too much though or else I would have been dealing with a lecture, and a bad back.
I have renamed the conservatory (which is just a 6x8 plastic framed, all glazed room added on to the dining room) the boot room / the garden room. I no longer have to save my pennies for the grand mansion in the country now, I feel I have made it in life with a boot room and a garden room in onehaha. So I today, have to scrub spider poo from the windows and scrub the floor, and then rearrange the shoe cupboard in there- and all the excess that doesn't fit, and move the small freezer, and fill it with plants to make it look like a boot room AND a garden room
I felt that when we looked around the house it didn't have a purpose really, we bought the house in summer and when we looked around it it was too hot to actually sit in there, and since then and having bought it, moved in and used it for nearly two years, we found it is also too cold to sit in in winter. There is a small window of opportunity to sit in there and be comfortable around May and then end of September for a couple of weeks and that is it
so if we are to sell the house I wanted it to be a useful space, and if we keep the house I also wanted it to be a useful space. So everyone has been told, enter the house through the dining room, leave your shoes in the conservatory new boot room. Currently we have a front door, a side door and the conservatory entrance and we also have a pile of shoes, boots and coats at each. I pray this will deal with that mess....I can live in hope anyway eh.
Should be a NSD. I have food in even though after my hundred quid shop DD opened the fridge and stared at it vacuously and then moaned about us never having any food in *slaps forehead*. Tough, she will have to make do with the fruit and veg that spilleth over rather than the crisps, chocolate bars and noodles. DD is moaning about our decision to move back to the city, she wants to move to the next city along which is bigger. I disagreed; we have got her a provisional place at an excellent 6th form and DS2 a place there too for year 10. DP wanted to also move to the bigger city but I really felt I needed to put the kids education first. I said 2 years goes quickly why can't you go to the school and then we look to move. I have no loyalties to the city even though I have 2 sisters and a mum that live there. I only see 1 sister now. And can always visit but my loyalties are to my children and make sure I see them right with education. I am sure that if we found a nice house DD wouldn't moan too much. DP and I have shortlisted a few we like on RM, but we are holding off until we have this house valued. We are finishing it first, hopefully over Easter. AND then will get it valued and look to see what we can do about porting our mortgage. If we can't port it I am tempted to stay put here because the interest rate will more than double. But no one is happy here. I hate being in this position of not knowing what to do. I am trying to take the view, if it is meant to be, it will be. So I am taking one step at a time. Sort the house out is first on the list.
Today I need to post that v1nted item. Will get the postage printed off and find something suitable to pack it in and get it to the post office. Anyway, best get off or I won't get anything done with my procrastinating on here.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
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Afternoon diary-land,
I finished my new "boot room/ garden room" yesterday. It looks so much bigger now the sofa has gone, I have left one wall totally clear of tall things so you can see straight out to the garden from the dining room. It looks great and is sparkly clean... I hope it stays clear and clean(one can live in hope eh).
Yesterday was a NSD I have lost count of how many I have had though but I think I've had at least ten this month which I am really happy about. I got my refund for s'burys items that were not good quality this morning, and I have a gift card pending on a survey site.
Not Money saving, I turned down extra hours at work today. I am on count down until I leave and I cannot wait. There was a total mess up with the amount of staff in yesterday, the manager thought she had contacted the bank staff and she hadn't. Us two supervisors were not aware of this until half way through the shift (we were both training) and it was a total hash trying to get all jobs and areas covered and work done with one member short and only half the time left. The manager's response- to palm the blame on to the bank member of staff and say it was a little mistake and won't happen again. Ugh. I was not happy when I got in last night. I had already exhausted myself moving furniture about and cleaning non stop in my home before even going into work and last night I got home, ate and bathed and collapsed into bed with aching everything. I was not doing any extra hours today and I am glad of the rest. I have watched a movie this morning, washed my hair and made a nice brunch for DP & I before he went off to meetings- grilled asparagus with garlic and butter and plum tomatoes on toast. Yum - better than the jam on toast I did have planned until I spotted the asparagus in the fridge
I am tired but feeling more rested today, I have such an itch to get up and tidy and do jobs in the house but I am going to resist and try and do nothing until work as my hip and the back of my knee are very sore, I have horrible nerve pain going down my leg. I have stretched it out already so it feels marginally better than it did at around 3am when it woke me, but rest is what helps the most. Walking 6 miles a day is not good for meI shall try and just do half that today
Anyway no other MS news, I am in that lull now, mid month, where all bills have gone out but we don't have a lot of spare cash left before next pay day aside for what is already budgeted for. I have to sit on my hands and not pay too much across to savings or else we won't have money for food and other basics. Dinner is out the freezer, I thought it was a spag bol, but now it has defrosted a little I can see potato in it, I realise it is probably a dhalI really need to label these batch meals don't I
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
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Thought I would log into my cash ISA I have as I often forget about that. I have £291.21 in interest on there this year
It doesn't mature until next April so I shall leave it doing what it's doing for now, but reading other people's diaries on here makes me wonder if I should be putting some into stocks or shares. I don't really understand it all too much, I've never had the money to bother to understand it too much to be honest.
I have messaged someone about buying something on Fb MP I have to wait on DP to see when the car is available though and he is in a meeting, and the seller is telling me to hurry as she will pass it on to someone else. Ugh...stress. If she lets it go it means I have saved £20 anyway so I will look on the bright sideMORTGAGE 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
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Very jealous of your garden/boot room.
Love 🐞
Grow your own: £14.661 -
ladybird1106 said:Very jealous of your garden/boot room.
Love 🐞Just clean and tidy now lol
Well I have turned down extra work again today, can you tell I'm on a wind down now to quitting
I have upset the apple cart too by asking why we weren't made aware of certain things going on around us yesterday. I asked if management was not aware and if they were why was it not passed on to supervisors who would have to deal with it on shift. I also asked if management had issues talking to other departments to gather up this knowledge to help us..... Gawd almighty it isn't too hard this job yet the manager has a style of managing that I have never come across. It's like she purposely makes our lives harder by holding back information so that the next day when she is on shift she can fix it and be seen as a saviour. What sort of lunacy is this??
Ayye aye aye and breathe. I am back to plotting my resignation letter, DP has enlisted his help too with actual laws they are breaking with regards to safeguarding staff, coshh and CCTV monitoring etc and probably more....
Anyway, let me just count to five and find my inner buddha once again.........
O.....K....ay.
SO I have taken another freezer surprise out the freezer, I *think* it is a spag bol this timeI may be wrong again though. At least dinner will be sorted though unlike last night's fiasco which I won't go into on here. But involved traffic, work, kids needing to eat at a certain time to be at their club for a certain time and all sorts of things going wrong which shouldn't have done which then led to frayed nerves and arguments. I am not having the best week.
I bought my record cupboard on Fb MP, £20 out of my pocket money, I intend on adding legs to it and upcycling gently (covering the parts of the veneer that are chipped). It's a mid century piece but not super sought after makers or particularly nice as is, it's small and compact though which I like, and we have already filled it. I had a move about of furniture at the weekend so there was a space it fitted into nicely in the front room. We are still working our way through albums and dvds on a mission to declutter the stuff we don't loveWe have a large box full of dvds, books and albums so far for the CS.
I've walked the dog, done a wash, and hung it outside to dry. I got it in when it was about 80% dry and not a minute later it started pouring with rain, that was a close call! Put it in the tumble drier for a quick spin. I used the fast wash setting on cold wash so not too much electric there, and quick tumble drier cycle too (my machine is an A++ anyway and didn't cost much when we plugged it in to the monitor to see costs). Whilst we were collecting the cupboard we stopped at a garden centre for a cuppa and some cake. I think it was DP way of trying to calm my nerves from last night and stop my blood boiling at my manager. It has sort of worked, I am once again uninterested in work politics going forwards (for today anyway).
It is really cold and miserable again and it is affecting my mood a lot. I want spring to hurry up and start. No blue skies here for weeks now it seems, always rain on and off and just a general washout of grey...........
I have two readings to do planned for this and next week, a house reading & a tarot reading. So hopefully going forwards I can make enough to cover what I am losing when I quit. The guy who will step into my shoes was telling everyone who would listen yesterday that he was taking over, they didn't look very impressed. And I wasn't too impressed I haven't told him I was going, and so I certainly haven't told anyone else...we work in a place that has ears clearly. Anyhow he has bad body odour problems and one staff member said, and I quote, not a chance am I doing as he tells me when he can't even clean himself. I will leave that to my (not in the slightest) capable manager to deal with as we have brought it up before now to her. He's nice enough though if he can learn to wash his clothes and himself.
Right, I am off to hoover and get ready for work. 12 more shifts left, if I last the distance.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
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So do you do distance readings?The sooner you are away from there the better I think.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 -
beanielou said:So do you do distance readings?The sooner you are away from there the better I think.
And I agree with the work thing. I have had enough 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. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
2
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