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

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Comments

  • daisy_1571
    daisy_1571 Posts: 2,125 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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'
  • Bargainhunter30
    Bargainhunter30 Posts: 318 Forumite
    Tenth Anniversary 100 Posts Name Dropper
    Could you hire a man and a van for the island? They often advertise on FB here
    Mortgage 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!  


  • skint_spice
    skint_spice Posts: 13,436 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £6250/7000
    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)
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper 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
    Ooo we cross posted! 
    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Could you hire a man and a van for the island? They often advertise on FB here
    I did think about this but it's a fair drive away which I didn't mind doing as off doing nothing but I thought an 80 mile round trip will probably cost more than the cheap island itself. I bought a sofa instead 🤣🤣🤣
    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: 9,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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.
    I had paid for lessons as my mum was too much of a nervous wreck to teach me and my dad was AWOL at that point. I was in London too and I wasn't very confident with all the !!!!!! head drivers there 😬 I drive like one of them now tbf but...I wasn't one then 🤣🤣🤣
    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: 13,436 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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.
    I had paid for lessons as my mum was too much of a nervous wreck to teach me and my dad was AWOL at that point. I was in London too and I wasn't very confident with all the !!!!!! head drivers there 😬 I drive like one of them now tbf but...I wasn't one then 🤣🤣🤣
    My dad worked abroad when I was learning and my mum had only passed a couple of years before, she was a nervous wreck so one of my uncles took me out😂
    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)
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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.
    I had paid for lessons as my mum was too much of a nervous wreck to teach me and my dad was AWOL at that point. I was in London too and I wasn't very confident with all the !!!!!! head drivers there 😬 I drive like one of them now tbf but...I wasn't one then 🤣🤣🤣
    My dad worked abroad when I was learning and my mum had only passed a couple of years before, she was a nervous wreck so one of my uncles took me out😂
    Yeh actually I was 19 when I was learning and my mum only passed when I was 15! So probably why she refused too 🤣
    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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