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

Watty1

Hope knee improves soon and that you find something lovely to watch in the meantime 

debtfreewannabe321

Well I managed a six part TV series today and it was left on a cliffhanger and it turns out a season two was never made. !!!!!!. 😩😐.

Plasterer is done. The only trades left are electrician and whoever is laying the floor and skirting 😁. It is looking almost finished out there right now. 

Curry for dinner and I've got to collect DD from work but not much else planned today. I've been exceptionally lazy and unproductive today. Knee is feeling better sat down but still very painful every time I walk on it. Hoping it eases off by tomorrow. 

earthgirl2

Hope your knee keeps improving, sorry to hear about the enforced but necessary rest

debtfreewannabe321

Thanks @earthgirl2 I'm not enjoying enforced rest. I'm by nature a really restless person and like flittering about 😆. Knee is still dislocating and sore. Not as bad as yesterday though so I think rest will see it right. 


I had a nice lie in this morning though as DD didn't wake me stupidly early for her hair to be plaited or a lift to work. She started at 10 today so far more reasonable time to be up and about on a weekend. DS went off to dad's about an hour ago. It actually felt like when ds1 moved out properly and I feel a little sucker punched to be honest. 🥲

DP is taking out the old radiator and also the pipe work where we are having kitchen cupboards. Yesterday we (he did I kinda watched) moved the sofa from the old dining area (new kitchen) into the new extension and the kitchen area (new one) looks massive now we have moved that from the middle of the room, and is a good square room rather than an awkward L shape with two doors and walk through in the way like we currently have. The plaster is drying nicely in the extension. It's not as big as DP thought it would be he kept telling me it was massive but I said wait until a seven ft sofa is in there....🙂😆. It is hopefully big enough though to give us enough extra space that we kind of need though. I am starting to visualise where the furniture will go. I'm going to try and mist coat it once the plaster has dried but we have a very high ceiling there as it's pitched and I'm not sure I can reach up there. I think I'll stick to a neutral colour when painting too and let the space evolve...I can re-paint it if I fancy some colour but it will be next to the kitchen which will be green 💚 so I think natural might be better..

I've received more paperwork for fostering now that I (finally) started the ball rolling on that. I've filled what I can out the GP has to do the rest. I expect that will take forever to get an appointment for because I usually wait on average 3-4 weeks for an appointment 😬. Although they're being paid for it so maybe it won't be so long. We'll see... They want to know all sorts of things but especially whether or not I'm a practicing alcoholic with diabetes and take drugs in my spare time and have serious MH problems. 

DP and I have decided to surprise DD at work today before end of her shift and go and be her customer for a cup of tea/ coffee and maybe some cake. 😁... For dinner we will be having more courgette and cucumber and leftover rice with maybe some tofu or whatever else is in the fridge. 😁 Apples for pudding (I have a glut of them). 

Right off to do the ironing I can stand still for that and hopefully the living room will then return to the oasis of calm I've desperately been trying to cling too through all the dust and noise. 

debtfreewannabe321

Oh! And on the subject of mortgage. £563 was my interest added for July 🥲😭. Whaaaat. Assuming it's that high because it's a new mortgage. I hope so anyway.

My usual OP of £200 went out today. 
I'm not sure if I can keep up the £200 a month with reduced income so I was playing with the OP calculator. And worked out that to reduce the term by a year I only need to find £40 a month extra. That's a tenner a week. So stop buying all the biscuits and crisps I do and that is it there 🤭😆.
I do like to play with the calculator when feeling poor it helps me to get some perspective lol. 
My mortgage term is 19 years.....so I can reduce it to 18 with just that ,forty quid a month. I'll be 64 in 18 years I'd love to reduce it to having paid it all off by 60 at the very latest though. Which takes me back round to paying £200 a month again 😬🤣. 

Right really off to do the ironing now.

debtfreewannabe321

Well I never did the ironing. I really do hate ironing. 

Today I woke up with my knee feeling slightly better meaning it isn't dislocating with every step rather it's just click click click now and moderate pain, compared to yesterday's level 7 pain I would say it is around 3 now and instead I must have moved funny in the night and my neck is in excruciating pain instead.  😭 I have also got a stye which I get when the house is particularly dusty (or I have been around something I am allergic to like cats)....so DP bless him got up, he tidied the entire house and hoovered and polished everywhere and I nearly cried when I came downstairs. He banished me upstairs until he'd finished...I had a nice bath (really helped my knee and neck) and read and chilled. I came down to everything polished, hoovered and mopped but not just that, he had removed 6 boxes from our front hallway, a cupboard that was blocking space and SO much stuff from the front room that my downstairs (let's forget the extension part for now) looks like a normal home. I actually had tears in my eyes and hadn't realised how negatively having all this mess for so long was impacting on my mental health. I am so grateful to him today. It made me realise my house looked like it was a hoarder's house. And that was affecting me mentally because I have hoarder's in the family and I felt I was turning into them...I need clear organised spaces so my brain works. I feel frozen and can't achieve anything when there is chaos all around me. Most bits were shoved up in DS2 room.....

Okay so haven't got much else to do as kinda sat down all day (am determined to be back on my feet properly next week), so I went through all the savings and budgets. Wow, that makes it sound like I have a lot of savings, I really don't. Anyway, altogether across a few accounts I have found £12, 393.92 to finish the extension payments and hopefully have enough to start the downstairs toilet / shower room and the laundry nook (will hardly be a room it is being put in an odd corner that can't be used for much else). I need to pay the extension company most of this. Hoping not all of it.........I would love to have some left to keep as EF. But we did ask for them to do extras like our new kitchen electrics etc......

I also have £426.76 in the yearly bills account. Enough to pay for the amaz0n prime membership in a week or so (95) and hopefully by October enough to pay for our car insurance. It has taken an absolute battering in the last month or so- £145.62 on the car to pass the MOT, £245 on DD learner insurance, £197.85 on our insurance for the new car, £230.36 on home insurance. All necessary maybe but really disheartening as I had a grand in there pretty much before all that money doesn't last long eh.

EF well, that is up in the air too as I don't know what will be left from paying for extension. DP actually said to me though, perhaps if we have some left we should hold back and save for the other bits as and when to keep an EF in tact MSE brainwashing is working. Woo. 

The xmas/ birthday fund sits at £523.71 which isn't bad considering I have paid for 2 birthdays in July, only DP & DS1 left to pay for this month and then xmas. I would like to have around £1200 to pay for all this -£200x3 for kids xmas (600), £100 x 2 for birthdays (RT 800) and 3-400 to pay for xmas treats & food and days out as well as xmas eve box and presents for DP & I for xmas (RT 1200). I put in £150 every month usually so this should be okay I will only be a little under my target. 

I have to go to my doc tomorrow to book a medical for the fostering application to progress. The lady we had around really tried to put us off doing it, which I thought was strange but my friend says it gets rid of those not really serious, only doing it because they believe it to be easy money and doesn't waste their time. I think it's why I sat on the applications so long however I have been circling back round to this idea for 2 years really and feel nothing ventured, nothing gained. If it is meant to be then it will be sorta thing. In the meantime can we all pray when I go back to work I am not put anywhere near the Supported education construction learners. Purleasssssssssssse. I cannot deal with !!!!!! being thrown around the classroom anymore, my nerves are too shot for this. 

DD is struggling at work. She makes it sound like she is being bullied but I know how dramatic she can make things sound so i have stopped myself storming in to stand up for her - just. 
She is the youngest by at least 2 years and from what she says the other ladies are saying to her she is being bullied and they are being condescending, rude, making her do all the shoddy jobs that are supposed to be shared amongst them all, being rude to her in front of customers - passing blame to her as the newbie, and today she was made to wash pots for 6 hours, and no tips have come her way since she started even though they are supposed to be shared 😬 oh gosh there is more but they are the most complained about things since she started. It is having a negative effect on her as she doesn't want to learn to drive now as has no mental space (they're physically exhausting her going up and down 3 flights of stairs at work all day because they can make her do it instead of them doing it). She also hasn't started her coursework yet which she needs to really as she has a fair bit to do. I do feel for her, I have been bullied many times in low paid jobs and it's not nice. 

Right DD has reached for the crap to eat she must be hungry, I will rustle up some proper dinner instead...

KajiKita

DP is a hero!! 🤩 Well done that man 😊❤️👏

Awwww, poor DD … Could she talk this through with her boss do you think?

Hope you continue to rest up a bit! You know, rest … that thing were you recharge and chill out and do fun things …? 🤔😂😂😂

KK

beanielou

Well done that DP. 

missymoo81

Ah well done to DP. I’m sorry you’re hurting, I hope he pain eases. And your poor DD, think of the resilience it is building though. Sorry, always looking for the positive in everything. Big hugs x

Watty1

Well done DP

sad for DD.  There was a recent face book post in our village about local businesses treating youngsters as badly.  Very sad