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

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh! And also. Friend is 17 obviously same age as DD. She is learning to drive but doesn't have her license yet as not passed. Her father had her driving around in an unlicensed car all day whilst he hopped in and out doing his deals!!! !!!!!!?!
    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
  • beanielou
    beanielou Posts: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Poor wee girl. I am so so glad that you stepped in. 🤗🤗
    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.
  • KajiKita
    KajiKita Posts: 7,742 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh lummee… That is just horrendous. I think you need to speak to DD’s friend’s mum about what has happened. Good luck with the food budget. I think we all forgive you if you go over a bit this month now! 😉
    When is DD’s friend meant to be going back to Scotland?

    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    Oh lummee… That is just horrendous. I think you need to speak to DD’s friend’s mum about what has happened. Good luck with the food budget. I think we all forgive you if you go over a bit this month now! 😉
    When is DD’s friend meant to be going back to Scotland?

    KK
    She's supposed to be going home on Saturday! And I don't think she's told her mum she was too worried. I will get her back here later and ask her to tell her mum. I don't want to scare her off or anything. I mean I have met her mum a few years back now as she used to pick her DD up from my house after play dates so I know she was happy for her to stay here a day or so....so it just ended up being longer which hopefully she will be okay with. I think she'd rather her safe than be sorry....
    I know she has no family here in our city even though she lived here much of her life as she's Originally from abroad (her mum) so I don't think there is an alternative to me other than dad. 17 is too young to be mixed up in all that. 
    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: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    We have no tradesmen here- they are all finished for now. It's so quiet!
    Oh I spoke too soon. The neighbour with the seven (!!) happy dogs has just pulled up back from her holiday 🙄....

    Anyway I have a few jobs to do. Yesterday I was in a right flap and a few good friends helped talk me down out of my hyper anxiety/ stress state and offered some good suggestions for keeping sane during building works and also DS drama and then DD drama added to that and other bits obviously going on as happens in life 🤪. So yesterday I cleaned and cleared the front room. It is now the sanctuary space - clear(ish) floors and pictures up and hoovered and polished as well as nice smelly candle on etc. it means I can ignore the state of the rest of downstairs which is getting beyond a joke with dust now 😬.
    So in order to keep my sanctuary I need to just iron some clothes so the clean washing pile has gone from here. 

    This morning I binned some plants. They just seemed to expire for no reason and I'd kept them in the hope they'd pick up but they didn't. So all dead plants gone now. Which is good as I actually have too many indoor plants- can't believe I'm even saying that but it's true 🤭😂. I have over a dozen in just the front room (which is like 12x12ft with sofas, chair and bookcases in and TV stand so not a lot of space for plants yet I found some 😂). 

    I'm also aiming to clean the front porch. And get rid of any shoes not needed. Kids have outgrown lots and lots ready for the bin...it's a job I have put off since I moved here. 
    Little and often is the way to my sanity right 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
  • daisy_1571
    daisy_1571 Posts: 2,120 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sounds good.  Definitely helps to have one clear space plus bedroom 

    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'
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh wow! The rain and thunder/ lightning here just now was incredible 😯 it came out of nowhere and literally started as the builder turned up with plasterboard 🤣⚡🌩️ of course. So he said he'd come back tomorrow after getting a few into the house and drenching them and himself! 
    Then DD friend walked back from town and got caught in it. Her clothes were stuck to her so badly it looked like they were painted on! She'd bought DD a gift bag full of bits as she'd missed her birthday last week and it had fallen apart in the rain and she had dropped her phone half way down the road as it fell out. So i came out to the porch (that I'd ironically just scrubbed clean) and found flowers, broken bag and handbag but no owner to be seen. Then I see her running up the street with a phone in her hand 🤣 we had a laugh once we got her in and a towel around her. She jumped straight in the shower and I headed out to DD. I said to friend if you had only waited in town you could have stayed dry. But her phone had died and she didn't know what time it was so decided to walk back 🙈. 
    Kids are making their own dinner. 
    I've done the ironing and cleaned the porch so two more things to keep my sanity in tact 🤪. I've a wash on and will do another one after. DD, ds, friends and DP and my washing all fitted in so I don't have to do several. Just a light and dark wash. Will have to use TD though as our road has flooded 😯 and the garden is soggy. The rain cleared my head though which was good. I knew we had a storm on the way with the thick head I've had all day. 

    I was sat in the new extension earlier with DP (our temporary dining room is two fold up garden chairs and a tray on our laps 🤭😁) and was deciding where to put furniture...it's quite nice that it feels closer to the end stage than the beginning 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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sounds good.  Definitely helps to have one clear space plus bedroom 

    Dxx
    Yes bedroom was decluttered the first week of my hols and I've kept it that way. Thankfully it was too many stairs for us to be bothered putting all the excess up to our room so the kids and office have ended up with it all in there instead 😆 I'm secretly pleased because the bedroom is my escape if downstairs is noisy or full of dust from building works!
    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: 2,120 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I remember sitting in our new room, bare plaster on walls, chipboard flooring but with garden benches and a garden table ensuring our couches and dining table would fit where we'd planned them.  Happy, happy days

    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'
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,419 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I remember sitting in our new room, bare plaster on walls, chipboard flooring but with garden benches and a garden table ensuring our couches and dining table would fit where we'd planned them.  Happy, happy days

    Dxx
    Yes it's got the fun part where we can see an end in sight and it's looking more finished than not 👏🏻😁.
    The gutters need sorting though because the amount of rain we had yesterday meant we flooded in no time. Basically the downpipes needed to go alongside the building on the side walls and the builders put the drains in the wrong bit. So the gutters were fitted but didn't have anywhere to attach to so after the downpour yesterday we ended up with pools of water. I know they're coming back to sort it not sure when though.

    Today we've already dropped the car off to be fixed as MOT failed and has now run out. Hopefully a quick one and they won't have it long. 

    Plasterer is in. And I'm staying out the way as more dust is being created 😬.
    I will crack on with washing and ironing and put a TV show on or something. The garden is far too wet to do much out there. I've also lost my mop so can't clean the halls like I planned 🤔. Will search for that again....
    Both girls fast asleep still so I'll enjoy the peace ☺️.
    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
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