📨 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.

1281282284286287329

Comments

  • greenbee
    greenbee Posts: 17,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's fabulous. When are you coming to visit? :p
  • Watty1
    Watty1 Posts: 6,877 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    The garden is looking great and the pergola is fabulous :)
    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 !!
  • skint_spice
    skint_spice Posts: 13,438 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your garden looks great, I hope you get lots of rest in it this summer.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thanks @slm6002, @KajiKita, @beanielou, @greenbee, @Watty1 & @skint_spice 😁 I'm loving it and can't wait till it's finished and painted and the other one put up. My grape vine is going crazy in the greenhouse trying to latch on to everything to grow up 🙈😆.

    So this morning should have been easy, DS and DD should have left before me for school and work experience as I'm late in on a Monday. However at around 8:50 after I'd been ambling around outside inI saw DS lunch box still on the kitchen side and his shoes still unworn in the hallway and thought 🤔 hmmm that's not like him he's usually on time especially to somewhere new (work experience) anyway as I was having these thoughts I was simultaneously just unplugging my phone from the charger when i saw DS had messaged .. he'd also sent me pretty graphic photos of his room. And sick. [Disclaimer do not read on if you don't like sick] Lots of sick. I mean it was on everything. 🤢. I rushed upstairs and he's at his door. He lets me in. It's on the bed, the mattress, under the bed (how?! He has a trundle pull out it was in it and under it and on the bed frame where the mattress sits!) on the floor lay his exercise mat and an open suitcase as he'd just got back from his dad's house. Full of sick. It was on the floor everywhere and on towels and the sick bowl was FULL to the top. Every item of clothing and 'thing' in the suitcase was covered. It was at that point that I thought FML. I sent him downstairs with a clean duvet. And a reclining sofa and a disinfected sick bowl. 
    Then I had to spend forty minutes scrubbing it as best I could. Making piles of washing (basically everything in there that was not in a cupboard) and disinfecting the floor and bed and mattress and walls 😫 I had to leave before I finished the job as I needed to be at work (and make my lunch still which was a tofu salad very hastily thrown together). The third wash is on now. I'm really icky when it comes to sick and everything that could be has been on a boiling wash which is a fairly long cycle so I've still got at least one more wash to do 😫. Then I need to disinfect the kitchen floor. 
    Ugh.
    Okay I've got that all out now. No student at college wanted to hear my icky stories 🤣😫.

    Work was okay. Went by pretty quickly. Lunch was tiresome as I really wanted to just sit and eat my lunch in peace, nice and mindfully and read my book. I made the mistake of going to the office. Moany lady was there again. She always always always always has a problem in her life. And if I dare to go into the office on a Monday or Thursday I hear all about it as we're the only two who have the same lunch time. I'm certain others do but they disappear elsewhere. She seems absolutely intent on telling me every detail and how she argues with everyone to get her way. The latest moan was SEND care at school for her daughter. I don't know this school nor the teachers nor anything about it but she wanted to tell me their names, their issues with why they won't help and everything else from the car they drive to the colour of their eyes (okay I might exaggerate a little but not much). I feel drained from an hour with her. 

    Anyway more exams coming up this week; I got out of all invigilating 👏🏻😁.

    I managed to get all paperwork up to date at work today as it's very quiet in the lead up to end of term. 25 days for anyone interested (my widget on my phone reminds me in countdown form). 

    I'd love to say it was a NSD but electrolytes needed buying. Although I think that could be considered a need and it was taken from food budget (which reduces what I have left for the week) so perhaps I will count it as one. 

    And to finish, what my diary is supposed to be about 😉 I paid the usual mortgage amount today and a £200 OP. I'm hoping when the balance updates tomorrow it will be firmly into the £115k territory 🤞🏻. 
    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: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Since buying this house in August last year -

    OP to date- £962.23
    Interest paid to date - £2590.41 😵‍💫🫨.

    I think my new goal should be to cover at least the interest paid each year but have too many other savings goals going on at the moment 😬.
    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: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Mortgage is £115,536 today. So firmly in the £115k range. I hate it when it dips into a new number and then the interest is added and it goes back up again 😭 lol so it's firmly in there this month. 

    DS is slightly better today but I've made him stay off as he's not eaten a lot over the last 24hours and slept lots so I don't think he's still right even though he insists he is (he never knows when he is tired or hungry or sick 🤔). DP is taking DD for her brace adjustment and I'm off to work when my friend arrives. Tuesday is a tricky day usually so I'm hoping it's not too eventful as I'm pretty tired and feeling a little dizzy and headachy today. 

    It's pouring with rain here 😁👏🏻 so garden looks lush and green! And I've opened the greenhouse and netted it up for a breeze to go through it too. 
    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
  • KajiKita
    KajiKita Posts: 7,807 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    We FINALLY have some real rain here too! :):):):)

    Be gentle with yourself - the end is in sight ....

    I totally get the 'Meh!' you feel when the mortgage goes back up again due to interest!  ;) 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    The water butts have been topped up nicely after that downpour @KajiKita 😁 

    Work is done and I found out today one student isn't allowed back after this week so it's the last time I'll see them (yay- not sorry even a little bit). And another student told me they are also done after today so next week I'm free from 12 onwards....so not sure what I'm supposed to do. I am owed hours worked though already so I'm wondering if they'll let me have it as TOIL owed...I will ask. 

    DS has eaten and drunk enough today that I will send him into work experience tomorrow. Bit odd as he's missed two days so hopefully they will be kind of expecting him. 

    The builders came around today and there was a whole group of them looking at brick work and where lintels might be needed etc and basically getting everything ready to start the job very soon. I just hope we manage to get the appointment with the bank and mortgage application through before we need to pay anything 🙈.

    Early night for me I'm absolutely shattered for some reason, was a NSD though so yay. And CB reached my account today too. So I'm up rather than down which makes a nice change from late. 
    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: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well DS didn't go to work experience yesterday. It's across town and I was going to drop him as he was still feeling a little weak after his bug. But DP started being sick at around 9pm on Tuesday, then I followed shortly after, then DD was being sick by the following morning. So basically everyone bar DS was out of action by yesterday. He ended up staying home and helping us but also eating properly for the first time in days. He probably wasn't ready to go in yesterday anyway. He's gone to school today however and I need to speak to his teacher who rang yesterday whilst I was in bed sick as he said he should be able to rearrange it. What a palava 😂. Anyway upshot is I'm off work till probably Mon now as I think work protocol is 48 hours after you were last sick which will take me to tomorrow afternoon. And I wouldn't want to risk it as lots of my students have GCSEs to sit this and next week. And my gawd was that bug violent...it literally comes out of nowhere. So today DD is in bed sick still, DP is going to work as he is just WFH and I will spend my day off sanitizing the entire house 🙄 no rest for the wicked eh. So far I've done the upstairs bathroom and middle floor one and also mopped DS floor again. I'm boiling our bed sheets right now and will do the towels and everything else we might have touched. I feel like I'm in a contagion type movie right now 🙈😫😂. I've also thrown away a bin DD helpfully filled with sick. 🤢 I don't have the mental capacity to clear up any more so it's going in the bin. It's old anyway and I have spares. 

    I'd love to say yesterday was a NSD but around 8pm I got my appetite back and ordered a vegetable kebab for myself with a big salad and a pizza for DS. I managed to eat most of it so I'm definitely feeling slightly better today. I've also managed toast and juice this morning. The tea got abandoned though as it was gurgling in my tummy too much. 

    So jobs for today - washing and tumble drying and repeat. 
    I will hoover everywhere too but I will get DP to carry the Hoover up to the top floor that wipes me out on a good day. 
    I also feel intuitively I need to get a carpet cleaner on the floors. Much of my sickness since moving here has been allergy related. And I know they had a dog previously with white hair (the worst one for me to be allergic to) the same happened in my last house and until we ripped up old carpets I was continuously sick. We cannot afford to redo carpets at the moment so I am going to try cleaning with a rug Dr type cleaner. 

    Right I can hear the washing finished so I will pop another one in.
    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: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That sounds just horrendous. 
    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.
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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K 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.