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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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pennywisepoundstupid said:You can change your vinted settings so that you only send with certain couriers, I only do Royal mail, evri and inpost as in my small town i can send evri from the post office and there is 3 different inpost lockers all based at the supermarkets which are about a 2 minute walk from each other. You can change it if you go into settings, then postage, then drop off points and it should come up with a list of couriers.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
4 -
Morning all. Well last night we decided at the 11th hour we needed to get the cooker in the house as it was packaged all nicely from delivery in the car port. The electrician is due today and he can't fit the cooker if it isn't in the kitchen. So before we could do that we had to plaster the front face of the chimney breast. DP began it and it turned into many swears and stress, so I came in and had a go, did alright then DP took over and it looks ok. It really doesn't matter too much as we have cupboards attached to the front up to the height of a cooker. Then a beam at the top so it will only be a little bit on show. It will be fine 💁🏻♀️.
The real plasterer is in today to do the extension and was being kind saying it would be fine with another coat. Oh. So I guess we'll do another coat over the top then 🤣😎. The only big job left to do before the kitchen arrives is the drainage. Which we're having problems with because we assumed under the kitchen (the current one) there was floorboards hiding under the screed. After investigatory drilling it appears it might well be solid concrete 😬. Hmmm. So we are now wondering if to route the drainage a different - shorter- way out of the house. It all suddenly makes sense as to why they never moved the kitchen before now and kept it in the tiny original footprint. 😬.
It will be fine. I'm sure.
Ps the cooker looks really nice and you'd never guess it was second hand!
Waiting on DD and friend to wake up then we will take a road trip to Sheffield for shopping. Good plan actually as it's is once again tipping with rain here. If they even try to tell us a hosepipe ban is coming I will laugh. Our water butts are overflowing and we have only just set them up.
The grass has gone from dead to lush green again in a week and we definitely are not short of water here.
My tomatoes are starting to turn more red so I'm expecting a glut any day now. 😁🤔
DS wants to go out for his birthday so I've had a look on my taste card to see where I can get a discount and there is a place that has a small arcade locally with food so I think I'll book that. DS has never done birthdays he gets totally overwhelmed and stressed by it. So we will just go out and celebrate and no presents at his request. I might get him a card and something small to open today whilst shopping though. The birthday fund will pay for dinner next week (25% off too with the card).
Right I'm going to get up I've been really lazy and stayed in bed and let dp deal with trades this morning. We drank a herbal tea before bed last night and it was too strong so DP went down to make another and grabbed anything thinking they're all the same. He chose one that is a detox tea. So the pair of us have been up a hundred times in the night for the loo. 🤣🙈 I'm a bit tired 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
4 -
Ooops to the loo tripsI 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.3 -
I’m sorry, but I am LMAO, absolutely howling at the detox tea … 😂😂😂😂😂 Bad luck 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.3 -
Hi! Always love your energy! Ah bless you about the detox tea! Hope you sleep Well tonight.
2 -
Morning all ☺️
Well yesterday's plan got changed. I was up and ready to leave early and DD wasn't far behind me. At around 10:30 DD knocked on friends door (DS room) and said will you be long getting ready? Friend says no, DD comes down to chat with me, and friend gets into shower and proceeds to wash very very long hair 😳. I've had very very long hair and know she will not be ready in a jiffy....12pm she comes down and says I'm ready and I am going to go home today if that's okay I don't want to impose any more. We say whatever suits you is fine we're easy either way. She then tells me the train is at 5:40 and I'm like well we're not going on a long road trip then. We will stay local. She looked deflated and I said to her I'm not wasting up to three hours driving there and back for a couple of hours to do things (tough). So we went local DD asked if I would come. DD has had enough of friend by this point..she's not seen her for five years and a whole week I think was just too much especially with the new job on top of that..😬
So I ended up buying expensive parking, cinema tickets (which both girls looked at the price and went omg how much - I managed to get a discount of £5 per ticket though from an app). Then DD paid for the lunch (used my TC so 25% off) and friend didn't pay for anything (she works full time and actually earns more than me 😬) DD was getting grumpy with this so I had to give her sneaky little looks to say shush. Omg what a day 🤣🤣🤣. I also avoided the loos in the shopping centre as they charge for them. Went to M&S instead and saw they had a 50% off sale. Spent £50+ 🤦🏻♀️.
Then DD was almost late for the cinema as we'd split off to go to different shops as she and friend found some stray kittens. I got her to come to the cinema but we had to go check them out again after. They seemed to be okay and mum was seen (looks like a baby herself). Security didn't want to know even though it was just outside their property. And so we left them and said we will check again today. Friend got off ok then DD offloaded to us for an hour at least...me and DP sat and listened and let her moan. It seems friend was ringing her ex every night and he was openly calling DD a fat ugly *insert horrible slurs on women words*. I said to DD why didn't you say something then. She said she didn't like to make a fuss but friend didn't even stand up for her. I would have been fuming and done something, hence why DD never told me she thinks I over-react. I actually turn into fierce overprotective mother lion 🙄🤪😆. In my head anyway.
We got pizza for dinner as I was done in by this point so yesterday was a total write off really. 🤦🏻♀️ Although the £50 spent was for presents for Xmas...so budgeted for I guess. Parking and cinema was around £40 so I guess damage not too bad there. Pizza in evening another £33. Sigh ...had to be done though we were all flagging at that point and the kitchen was an inch in dust from electrician making holes all over the ceiling 🤣.
Today - the sun is shining. Our house is empty. No builders no electricians no plasterers. 😌😌😌
DD is at work.
DP is in his office.
I am going to drink my tea. I'm going to have an amble around the house and straighten things. Then I'm going to do some gardening. I need some downtime and I've totally over-peopled enough for the rest of July 🤪🤣. Butterflies, birds and squirrels and flowers will be my friend today. As was some music of my choice not 17 year old angry loud music. 😌 Hope everyone else has a good day 😁.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
3 -
The BF sounds dire.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 -
That sounds like an exhausting day! I’m kinda glad that DD’s friend has gone home now …
Very glad that you now get a day to decompress 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.1 -
Glad the pal lives so far away. Having felt sorry for her I now have less sympathy. Perhaps dd will be able to avoid any potential suggestions for another meet up either at urs or up here, busy, work, unwell, mum won't let me, no money etc etc and the friendship will naturally die away again.
Sad, though not surprising, that the friend seems to have modelled her relationship like her parents' relationships. Why be in touch with an ex at all at 17 but especially this one, and to allow your dd to overhear his insults is bad enough, to not correct him suggests a whole lot about her, him and their relationship.
Glad you can get a day of peace today22: 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'2 -
Oh gosh DFW that all sounds exhausting, enjoy your day of peace and quiet.2
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