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

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Comments

  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Happy birthday and safe driving to DD :)

    Glad the GP was useful too.

    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. 
  • Idreamofplants
    Idreamofplants Posts: 131 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Tiling looks fab. Happy birthday to DD - exciting times re the car and driving.  My daughter has loved having use of a car this year. 
    Mortgage at largest £280050 with MF date 2038 - current in the £160s whoop whoop
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I've grouted the tiles! 
    And picked up the car. It was really difficult swapping from my car to it as the biting point was so high and ours is super low 🤣 I was revving it up like I was some sort of boy racer 😏🫣. I'm sure I will get used to it. I also tried to find 6th gear and it wasn't there 🤣. Brain not as good at swapping cars like it used to be! 
    It's raining here quite heavy, lovely and cooler and all but seriously! On the day I had a big bow to put on DD present outside... praying for a break in the rain for just an hour. About 4-5 pm would be perfect thanks 🤪.

    We took back the tiles we didn't use and the grout- £50! Although the cashier was clearly having issues with something today because she was really rude about it like no one ever takes returns in and told us several times there would be a re-stocking charge. Fine whatever we have no use for them - and she told us again and again -huh? Then DP could see she was stressing so tried to crack a joke to ease the clear tension oozing off her and she was incredibly rude to him. What's that all about. Honestly I just seem to be attracting rude people lately. I've half a mind to email her management at that store. She should not be customer service if she doesn't like talking to people. Wouldn't mind but we were super chilled and happy to wait whilst it was done and weren't in the slightest bit rude. Anyway we eventually got our money back so the tiles actually cost around £120 all in which isn't too bad. 

    Right best go wash off the grout from my arms (don't ask 🤣) and get changed ready to collect DD in a couple of hours. Oh and exidiot is due over today which we are a bit peeved about because we wanted to give her a nice surprise just us and we have a feeling he will turn up just as she comes home and he has a knack of ruining happy moments with inappropriate jokes etc (and if he says anything about the fact it is only a little car and run around etc like he did with ds1 car, I will get in the car and use it over him.) 😁
    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
  • greenbee
    greenbee Posts: 17,849 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If ex-idiot starts making comments, maybe you can suggest he gives her driving lessons for her birthday. As you know how much they are, he can hand over the cash to here there and then... 
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy birthday to your DD  :)
    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.
  • daisy_1571
    daisy_1571 Posts: 2,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Lovely reaction to the car dfw, glad she had a lovely birthday 

    Dxx
    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: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    What a wonderful day for DD and you. 

    I wonder if Ex is seeing a different side to DS …? 🤔

    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. 
  • Watty1
    Watty1 Posts: 6,882 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a lovely read. 
    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 !!
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    What a wonderful day for DD and you. 

    I wonder if Ex is seeing a different side to DS …? 🤔

    KK
    Just this.
    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.
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