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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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takeaways are designed for such days, well done on how far you've got
D22: 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'1 -
The takeaway should come from the kitchen budget. It sounded just needed. I’m sure in morning the drawers will seem obvious!Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!0 -
Takaways are allowed.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.0 -
🤣 @KajiKita @Watty1 these drawers are drawers that fit inside big drawers and we can't figure out the order of how to do it. I've had a look online though and it's a little easier to understand than the instructions they send... we'll see if we can crack that one today 🫣
@beanielou @daisy_1571 thanks I feel like after this many takeouts we need permission 😆🙈. We've had far too many!
I'm half way through the skirting already today and it needs another coat the paint is horribly thin. Teach me for buying cheap...!3 -
DP has succeeded in working out how to put the small drawers inside the bigger drawer! Hooray!! 👏🏻
Then we have the problem of which hinge to use on a corner cupboard 🤣 we tried them all. Got it on. Then found ANOTHER hinge which was the right one. Argh!
We left it mid task and downed tools for dinner. I wasn't feeling too well earlier and felt super nauseous so actually went to lay down for a bit. Felt better when I came back and DP has sorted two out of six of the awkward cupboards. Four more to go 😬
The delivery didn't have the worktops! I must have them on tomorrow's one. Also a large cupboard I ordered never arrived 🤔 so need to see if that is on tomorrow's one too. All wall cupboards are hung with shelves, hinges and doors done. Just the ones around the fridge to do but that's another part of the kitchen so I didn't count that 🤣. Most floor ones done too with doors and shelves and pull outs and drawers etc where needed. It is looking more and more like a kitchen rather than a dining room now 😁👏🏻.
Early night for me I think as really not feeling great. I've been cold since yesterday too got a bit of a chill 🥶.
Spent £25 on v1nted for DP he's ruined his shorts. Got a few pairs and a couple of polo shirts so not bad.3 -
Have you been remembering to drink plenty liquuds? Its so easy to go hours without drinking when busy
Dxx22: 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'1 -
No I haven't! And I've had an awful headache and been necking pints of water in the night 🤣 then wondering why I need the loo one thousand times 🤔🤦🏻♀️.daisy_1571 said:Have you been remembering to drink plenty liquuds? Its so easy to go hours without drinking when busy
Dxx
Will remedy that today!
Yesterday we had another delivery - we have the worktops! Yay! However one huge item is missing and a few smaller ones. I've seen an email to say they should be here Thursday so fingers crossed nothing else is missing...it's hard to know as the names are all kind of the same considering it's all part of the same kitchen model.
We didn't do anything on the kitchen yesterday. I was exhausted and not feeling 100% and DP woke up exhausted too so we went out for the day instead. We caught a movie, got some food and considered is a day off and a date day.☺️ We also found a tonne of new charity shops we browsed and I did buy a few things. I also bought some cute things for DD and DDIL for Christmas as they were cheap so I have added those to my Christmas pile. I have made a good start on it this year early as I am usually in a panic come December.
So today -
I have my jobs and DP has his. I've reached the end of my know how skills with DIY which isn't too bad, I was able to put things together and know where they go as that confused DP (plan is not brilliant we were given) but actually putting it all together on the walls, umm, no, I don't know how and YT made it a thousand times more confusing 🤣.
So my jobs-
Paint the skirting again, that cheap paint dried okay but it definitely needs another coat.
Pop to shops we're out of nearly everything.
Put a wash on.
Wash up.
Tidy up and do a bit of general house keeping as I've done none since starting this and the house is a bit of a mess.
I'll stop to help DP along the way as assistant in holding things whilst he's screwing and hammering etc so I won't go too far from the area. I am also going to get some lining paper for the kitchen as we never had it skimmed properly after the electrician channeled it all out. I've got some pretty wallpaper I want going up so I will buy super thick lining paper to go under it to smooth it out I think. I think it will look really pretty when done. I was worried about going for a sage kitchen as it's a dark shade but actually the room is open enough to carry it off even though there is no actual window in that room. Being open plan has helped loads.
I'm trying to work out zones in the new bit because otherwise it looks like a long corridor...that's another job.. browsing the internet lol for inspiration...
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I'm glad you had a day off - sounds like you both needed it and you sound less frazzled today

Interesting that you could help DP with working out where to put things. It ended up like that with the veranda slabs with Mr KK and I - he had a 'random' slabs layout from the supplier, for the 3 different sizes of slabs he was using, but was getting confused, until I told him to draw in the cut-out in the square of the pattern to show where our veranda steps are. Then he had a datum and could keep track of where he was in the pattern, iyswim.
Doing some house stuff as well as painting and lining paper will make life feel much more civilised I think.
Hope today goes well
KK
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £426 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.0 -
I got all my jobs done yesterday 👏🏻😎
I've started moving bits into the new extension from around the house where they've been temporarily housed.
I've bruised all my knuckles and my leg is hurting a bit from lifting a very larder cupboard into place and then trying to put a shelf into it 🤦🏻♀️ I'm so clumsy it was my own fault too on the bruised knuckles...it looks like I've been in a boxing ring 🫣😏🤣.
Anyway yesterday's efforts meant we have the two most awkward cupboards in. The ones around the fridge which needed the extractor running through them. They took far longer than should have done but one was very heavy so I understood why. I had already mentally counted in my head how long this job will take and I knew from experience that the awkward cupboards would be two a day 🤣 and I was bang on lol. So the next two awkward ones today are dishwasher and sink. DP has painstakingly moved the plumbing himself so we are hoping it's all in the right place now 🤞🏻.
@KajiKita I have pored over the instructions and the plan and DP seems to just think it's like Lego and will slot together in any random way 🤣 so I'm like nooo even though they are both the same size this is the right one and that's the wrong one for there. Etc etc on a lot of it. He's very good at all the jobs though so I had to be useful for something 🤣.
I'm hoping to go swimming today. I've felt good after swimming rather than having post exertion fatigue which is what I used to get when I'd go to the gym. Which could last weeks and made me feel really quite sick. So I'm loving that I'm doing okay on this and want to keep it up! 😁2 -
Oh I don't seem to have moved very far since earlier 🙈. I've done next month's budget though.
We have car insurance and car tax due on our car. £30 for tax and £500 ish for insurance (hoping I can shop around and bring that down with some cashback).
Also I have payment (final one) for the cooker £400 and also the table and chairs I've bought (2nd payment out of 3) £160.
I've around £200 in my yearly fund pot. This has been seriously depleted over the last two months 😬 however all spent on yearly bills so it's been used for what I'd put It aside for. Seriously depressing though...that will be totally emptied out next month for the insurance and tax.
I have £600 less coming in now so I need to be careful especially with all the bills due next month 🙈. First run over the budget and it is okay.
Those bills above come to my wage alone nearly 🙈.
I've also got extras in there now because of gym membership which I would like to keep and see that as essential to building up our health/ fitness levels. This will be docked straight from pocket money funds anyway meaning we just have less personal spends.
Everything else is the same bills wise. So to cover the big spends next month I have only put savings away for EF (150) and mortgage OP (200). Also Xmas as I don't want to be short on that come December (150). The rest of the usual pots won't be filled until all the big bills are paid next month.
Also the final bill for the extension will be due and I'm praying I have enough left in my savings 🙈. It's been dipped into a lot....for DIY stuff but things that weren't budgeted for, paint, plaster, pipes etc etc. I really don't want to use a CC to top that up.
Right ok best get up now but I at least did the budget and feel better because I felt like we were going to be in deficit next month but I think we will scrape it if we can be careful with the money 😁. Also haven't budgeted the child benefit as that's usually my 'oops I forgot about this' fund.
On with the day -
Buying some lining paper and paint to do the kitchen 👏🏻😁.3
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