📨 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.

1303304306308309329

Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @KajiKita I also want a fierce declutter (this sounds good!) I have an induction hob on the new range and some of my pans aren't suitable so I will be taking them to the charity shop or binning the ones that are on their last legs. I went through all the food cupboards today and have condensed it down lots of half packets and then more half packets of the same thing 🙈 oops. It's much clearer now and doesn't fall on my head when I open it up 😆.
    @greenbee his current school are loathe to take him off the register. They're a very small school and when the private school fees went up recently parents were scrambling to get their kids into this one (on same road as private school too so not too disruptive to the kids) it's very good and the one ex has lined up is mediocre at best....I turned it down for ds1 when I lived there it was that bad for bullying and failing GCSE grades....hmm. if DS agrees to come back I'd let him but I know he'll be awful to me but I think staying where he is is best considering his age and going into year 11 soon... But I do agree with you at the same time 😏 this is really difficult for me. 
    @pennywisepoundstupid thank you 🙏🏻 DD has brought a boy home today...she never does this. He got a car for his birthday too apparently they were the only ones to get this as a present and they've somehow bonded...they're in the drive showing each other their cars. It's quite cute 🙈😆🥰.

    I've not heard from ex or DS2. I don't know whether he's coming home or how the new school trip went. His current school said if a child was looking to move under similar circumstances to their school they would strongly dissuade them because it's such a critical time ....I'm not sure what ex has told new school though. Probably a lot of lies. He's good at that, sadly. 

    DP should be home soon. The builders are gone and left keys to the new extension - I've just been out and had a look and it oddly feels bigger now the roof and glazing is in! It's starting to look really nice - and real! I'm so glad I have something to look forward to at the moment it's keeping me smiling and plotting and planning so I don't sit and think too long on other things that aren't so great. 
    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: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I hadent appreciated that DS was in the middle of his GCSE's. 
    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.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    beanielou said:
    I hadent appreciated that DS was in the middle of his GCSE's. 
    And he's been put back a year after much to-ing and fro-ing on my effort to get him the best chance....so he can't really go back another year if he moves. The school seemed really concerned but I suspect they didn't get hold of him. 

    DD said the teacher stopped her today and asked if she would speak to him but DD said he doesn't listen to her nor me. Ex has 100% brainwashed him. 

    I'm trying to remain calm about it all as it's DS life and all and he can do whatever he wants when he's old enough but I know he's been manipulated into this which is what is making this so hard 💔
    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
  • dawnybabes
    dawnybabes Posts: 3,373 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Could he not just stay at Ex for the summer holidays ? That might be enough time to realise the grass isn’t greener? 

    Do they have the same subjects ? Exam boards ? 

    My family moved in the middle of my GSSE’s and I had to swop about 4 of my subjects as they weren’t available and the curriculum was totally different.  Was so so hard ! 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry, posted too soon. At the end of the day your DS can always do his GCSE's later on.
    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.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Could he not just stay at Ex for the summer holidays ? That might be enough time to realise the grass isn’t greener? 

    Do they have the same subjects ? Exam boards ? 

    My family moved in the middle of my GSSE’s and I had to swop about 4 of my subjects as they weren’t available and the curriculum was totally different.  Was so so hard ! 
    I think it's different boards ...also his current school doesn't do languages so he'd have to pick one up and learn it very quick. 

    @beanielou I think that's exactly what will be happening...
    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
  • Watty1
    Watty1 Posts: 6,882 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    So glad the current school are being supportive.  It might just be the summer is all that is needed.     After all DS will be with the ex for quite a few weeks and might just see the reality of the situation as it unfolds.
    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 !!
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just cashed out £15 from surveys.
    That will pay for the cake and tea I bought earlier for a friend and I :lol: 

    We have lost a builder as one had an emergency at home. The roof is on but needs the finishing touches on it. We are now waterproof at least though. Which also means the next payment for the extension must be due.

    We can't use our main car now as it needs to go back in for repairs, and the MOT expires today. Thankfully have the other one though :smiley: 

    DS never replied to me about whether he was coming home. I guess the answer would be no. Right off to phone my friend - she has an interview for something I helped her prepare for! Woo. Exciting and it feels nice to help others who actually want the help :smiley: 
    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
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,256 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Exciting how quickly the building work is coming on.

    Sorry you hav'nt heard from your DS, sending hugs xx
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh gosh, I was trying to hold it together, I really was. But I ended up on a call with the ex and I had more raised voice than not :lol: . The potential new school are even suggesting this isn't the best move half way through GCSE years...but ex and DS were insistent. I ended up getting a little irate because it feels to me like they are selling this move as an escape from a prison cell and how awful my home is. I was shaking with anger. I did manage to hold it together; for the most part. :wink: 
    Anyway whatever I am leaving it up to them right now, the stress is too much. The current school have emailed his current grades which I told ex and he said - Oh. I said what has he said his grades were? DS had apparently sold himself as doing better than he actually is. 😑

    Anywho I have a headache, I am done with stressing over it. fajitas for dinner. I've tasked DP with that. Builder has just left and asked when we would like the 'wall' down - the bit between the old house and new extension. DP was a bit apprehensive because of dust but I was like oOOOOooooo yesss take it down! :lol: perhaps DP is right though 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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K 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.