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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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I passed in 80s, motorbike and car, but back then roads weren't as busy as they are now so that helped. Also, the test was more about actually testing your driving so I along with everyone i knew at the time never had professional lessons. We all went out in our parents' cars. My dad took me out, practice on the manoeuvres, bit practice on general driving, sat test and passed. The bike 5est was more of a pain as they brought in the cbt by then and you had to pass that then a road test.
My dad taught my mum back in the 50s tgen my 2 older brothers, me and my fiance at the time. Now it seems more necessary to get at least a few professional lessons as they teach odd ways of driving compared to common sense and good engine management. Very expensive if you have to do all the general driving practice on paid for lessons though.
Is it worth looking into one of those pass in a week places? Even if it was elsewhere in the country it might be cheaper and quicker to take a holiday cottage or caravan and she/you can stay while she does the course compared to lessons and trying to not get too confident a driver if shes practising for over a year waiting on the test?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'0 -
Could you hire a man and a van for the island? They often advertise on FB hereMortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!1 -
Oh I had totally forgotten about the lack of power steering! My exDH and I had an ancient cortina estate at one point obviously without power steering… I passed in 1986 and most folk in my area had a few lessons at least.Mortgage OP 2025 £6250/7000Mortgage 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)1 -
Bananabreadyum said: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
I've told DD to give me her DL so I can do it as she won't get up at that time as much as she thinks she might 🤣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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I've filled out a 5* review for something I purchased (and liked I didn't lie 🤣) in reward for a £15 PP credit. We will see if it comes through or not but it took two minutes to do and it was the cost of the item I bought so would be nice if they do pay.
I've got hardboard currently being laid and every time he puts a bit down he throws it/drops it scaring the life out of me 😨. So I decided to go out and avoid the noise. And I bought a sofa accidentally. Second hand from the CS but still 😬. I bought our sofas we currently have for our last house and I hate them in this house they're too big (even for the extension room) and clunky. So I had already decided to swap one out at least (possibly both of them eventually)- so I will put the larger one up for sale. The new one is more neutral natural creamier colour (with a bit of a gold hue) and the ones we had are very tall clunky dark grey ones. So I don't have regrets I just am now wondering where to put it when it turns up 😬🤣. I best get selling the other one I think asap.
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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Is it worth looking into one of those pass in a week places? Even if it was elsewhere in the country it might be cheaper and quicker to take a holiday cottage or caravan and she/you can stay while she does the course compared to lessons and trying to not get too confident a driver if shes practising for over a year waiting on the test?
Ooo @daisy_1571 imagine if I got a holiday as well as DD passing her test I love this idea the most 🤣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
1 -
Bargainhunter30 said:Could you hire a man and a van for the island? They often advertise on FB hereMORTGAGE 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
1 -
skint_spice said:Oh I had totally forgotten about the lack of power steering! My exDH and I had an ancient cortina estate at one point obviously without power steering… I passed in 1986 and most folk in my area had a few lessons at least.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
2 -
debtfreewannabe321 said:skint_spice said:Oh I had totally forgotten about the lack of power steering! My exDH and I had an ancient cortina estate at one point obviously without power steering… I passed in 1986 and most folk in my area had a few lessons at least.Mortgage OP 2025 £6250/7000Mortgage 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)0 -
skint_spice said:debtfreewannabe321 said:skint_spice said:Oh I had totally forgotten about the lack of power steering! My exDH and I had an ancient cortina estate at one point obviously without power steering… I passed in 1986 and most folk in my area had a few lessons at least.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
2
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