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

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @KajiKita lampranthus Tresco brilliant (this autocorrected to Tesco lol) and a sedum spurium deep rose. Basically they were on offer with a voucher 🤣 and I thought they looked pretty 🤭😁
    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
  • redofromstart
    redofromstart Posts: 5,860 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I put my pair on every instructors wait list that I could find and then snapped up the first space that came available, had to wait for him to have a pupil pass before he could take them both. I think most round here have a wait list but worth asking regularly as things change overnight as people pass.  Our local faceache pages are full of recommend an instructor who has space requests and you do see the odd available one. 
  • redofromstart
    redofromstart Posts: 5,860 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I've just sent you a message if you have a second free.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I put my pair on every instructors wait list that I could find and then snapped up the first space that came available, had to wait for him to have a pupil pass before he could take them both. I think most round here have a wait list but worth asking regularly as things change overnight as people pass.  Our local faceache pages are full of recommend an instructor who has space requests and you do see the odd available one. 
    Ah this is a good idea. I might have to do the same. I think she and I would feel more confident knowing she's had some professional lessons to get her through a test! 
    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
  • Bananabreadyum
    Bananabreadyum Posts: 23 Forumite
    10 Posts Photogenic
    Definetly recommend getting up early to book a slot. I did that for my son and then we could change it and bought it forward several months. It is a really pain though. 
    P. S. New account, but I've been following / posting for ages
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning all! I've picked up my new glasses. I can't see a damned thing with them on 🫣🤔. The lady laughed but then said, hmm if they aren't right bring them back in a week or so. Maybe I just need to get used to them. Thing is my eyesight is 20-20 up close but far away it's about 1 (dunno whether that is minus or a plus there) and so with the glasses on I am sea sick for things up close and it was causing immediate eye strain and headache. I will preserve for a bit though as the frames are really cute 🤣🙈. And my old ones Def weren't strong enough.... might just leave them for TV and driving like the old ones even though I've been told to wear them all the time.

    Last night I was up a ladder stripping wallpaper off a ceiling. I sent DD out after giving her a pep talk on, we don't just give in we get up and try again. No body can drive immediately (ok my uncle had two lessons and passed but that was like the 80s maybe cars were easier then 🤔🤣 I didn't tell her that) and I said we all had mistakes but don't just give up and you're going back out- end of pep talk and conversation. So sent her upstairs and told her to get dressed and after dinner DP took her out. I also gave him a bit of a pep talk- get the gear changes smooth enough and road position correct and get her off the estate and on to a road! He did just that and she came back two hours later smiley and happy and so did DP 😁👏🏻. So she's on the roads now! And I hope it's bolstered her confidence as last time she almost put the car in a ditch (which I only found out about yesterday btw and now understand why both were hesitant to go back out 🤣).

    I saw a lovely kitchen island super cheap this morning on FB. It won't fit in our cars 😭 missing the company car with huge boot right now. Sad face ☹️. Had to turn it down. 

    Oh and back to wallpaper stripping we have decided to take it all off obviously as with the new kitchen and new extension it will look so silly and badly finished if we put patches of wallpaper over the holes to cover the channeling. So we're stripping it and omg a layer of paint is coming off first. Then the top layer of wallpaper then the bottom layer so it it's taking ten times longer as it's glued on so strongly 😩 and you're in the stress position holding the steamer up a ladder so I only got about 1/5 done last night. Will do more this evening. I'd do it now but the floor guy is in. He's here to lay hardboard and then the actual floor 😱.I was like hold on I thought we were putting the kitchen in first? But they said it will be better to lay floor wall to wall first then put the kitchen over the top as they will have levelled it all for us and it will be easier to fit kitchen. So we will have it all down and done in days!!?? Omg so panic stations - one of us this evening will have a paint brush in hand to do the extension and one stripping wallpaper to get messy jobs done before the floor is down. Quite exciting but also a !!!!!! we didn't realise it would be done this quickly moment. We will plasterboard where the electrician went and then we will wallpaper back over the whole thing (I love the cute flowery anaglypta wallpaper).

    Someone is coming to pick up something today hopefully that I listed on FB. We have decided to keep a small emergency fund in cash at home £2-300 ...I'm up to around £22 so far 🤣 so made a start lol. I found it really useful to have cash before when we've had emergencies and need cash. 

    I can't really go into the kitchen today so it may end up being a takeaway night...we've also removed two more kitchen cupboards 😬 we have 8 left and they're rammed lol. My kitchen currently is huge because it's spread into the living room, the garage, the extension when they're not working there and the kitchen 🤣....one day I will actually laugh about this right now I'm like 😱. 

    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
  • skint_spice
    skint_spice Posts: 13,427 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a takeaway, you have so much to do, it will ease the stress. Just remember it will all be worth it in the end!

    I learned to drive in the 80s and I think cars were worse, having the choke to worry about. I definitely had more than two lessons as it was a six month wait for your test here. 
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,752 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hear, hear to having a take away tonight! You have enough to do ...

    You've made me smile at the thought of having a kitchen big enough to cover the entire ground floor of your house! ;)  :D

    The kitchen island - roof rack not possible?

    Well done to DD (and DP) for getting back out there and trying again and very well done you for the effective pep talk :) You'll be a natural at fostering :) 

    Good luck with all the DIY. It sounds like a full on exhausting, BIG push but it will be soooo worth it! :) 

    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: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Have a takeaway, you have so much to do, it will ease the stress. Just remember it will all be worth it in the end!

    I learned to drive in the 80s and I think cars were worse, having the choke to worry about. I definitely had more than two lessons as it was a six month wait for your test here. 
    OMG a choke! I remember these. My dad bought me a sierra as a my first car (old H reg), it had power steering and a large boot and no choke....well that got smashed up the first year (wasn't my fault I got a payout) and I ended up car sharing with mum and she had an old grey Nissan, don't remember what type, but no power steering and a choke and smaller boot. I so missed that Sierra :lol: The next car I had also had a choke come to think of it - wow had totally forgotten about those lol I passed my test in 1999....!
    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    Hear, hear to having a take away tonight! You have enough to do ...

    You've made me smile at the thought of having a kitchen big enough to cover the entire ground floor of your house! ;)  :D

    The kitchen island - roof rack not possible?

    Well done to DD (and DP) for getting back out there and trying again and very well done you for the effective pep talk :) You'll be a natural at fostering :) 

    Good luck with all the DIY. It sounds like a full on exhausting, BIG push but it will be soooo worth it! :) 

    KK
    It was pretty funny last night, I was cooking dinner and I am like where is the wooden spoon? I searched the living room, the garage the extension, was proper loosing my mind as to where it could be........it was in the kitchen- the actual kitchen :lol: I've gotten so used to searching everywhere BUT the kitchen for things I didn't even think to check the one remaining drawer we have haha. 

    I think a take away is called for and I'm glad you both agree..........with the extension to paint and the new kitchen to strip tonight it will be a long one anyway.......there is almost an end in sight!

    Roof rack..............hmmmm..........I didn't think of this. This might work out a cheaper option than a tow bar and second hand trailer. I will look into this!
    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
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