📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1328329331333334341

Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Watty1 said:
    No words of wisdom but for the first time ever I thought, as I read this,  thank goodness I did not have children with PPH (he conspired so it did not happen, lets just park that) as he would have been an equal nightmare.
    Yes I can imagine. I have actually said to my DD in the past, it would have been better if I'd left when he first showed his colours...I was 3 months pregnant with ds1....😬 
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Drs was useless this morning the receptionist booked the wrong slot for a medical which we knew she had and we tried to say we need a long slot and so DP got in but doc came out and said I can't do another long one today ..so I'm booked in for next week. That's a whole month I've had to wait for this. 😐

    DD missed her bus so I had to take her to work.

    However we've turned a corner on the kitchen f-ing finally I hear you say or is that an echo in my head 😉 worktops and coving and plinths and a few end panels are all that's needed oh and handles. But they only turned up late yesterday so I will attempt to put those on whilst dp gets on with whatever he's getting on with. Something to do with the kitchen. 
    I'm back at work next Thursday and I honest to god feel like I've not even had a holiday. So weird. 9 weeks off and yet I'm almost grateful to be going back. Mood is despondent and fed up today. Also I take it DS2 is not coming to see me before he starts his new school. Meh mood. Won't moan anymore. 
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 8,000 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You've had 9 weeks of relentless DIY and work, that's why! ;)

    Perhaps schedule next week off until Thursday, so long as the kitchen is at least functional? You need some actual downtime before going back to work I think :) The downness is exhaustion (topped up with DSness). It will pass. 

    KK


    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • greenbee
    greenbee Posts: 17,893 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You may not have had a holiday, but look what you've achieved! Do you want to come and sort out my next round of renovations?
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    You've had 9 weeks of relentless DIY and work, that's why! ;)

    Perhaps schedule next week off until Thursday, so long as the kitchen is at least functional? You need some actual downtime before going back to work I think :) The downness is exhaustion (topped up with DSness). It will pass. 

    KK


    I was thinking about my summer and why I don't feel rested. And then I remembered the summer of '21 we were diy'ing ready to sell in '22. Summer of '22 we moved on the hottest day and got stuck straight into DIY. Summer of '23 I was helping fit bathrooms and DIY'ing up a 20ft ladder painting windowsills. I had also started working in schools by this point and absolutely exhausting myself. '24 summer well. ..I moved again 😂🙈 and here we are in '25 and I'm all DIY'ed out and burnt out from it as I find the day job with a tonne of kids who don't want to learn utterly stressful...one lady at work who's been there a long time compared out job to trying to herd a load of feral cats from 9-4 she's right. 😂🙈 It really isn't any wonder I feel twenty years older in five years and utterly done in. 
    I know it will be worth it though and the old kitchen was literally falling apart. I've found newspapers behind some cupboards and the dates range from mid to late 80s so the kitchen absolutely needed doing so I have to keep reminding myself this every time I just want to throw the tools down and say nah I'm done. 🙈 Which is a lot when I'm tired and grumpy lol. 
    I am grateful 
    I am grateful 
    I am grateful 
    I promise 🤞🏻🫣😂
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    greenbee said:
    You may not have had a holiday, but look what you've achieved! Do you want to come and sort out my next round of renovations?
    Nooooooo 😭🤣 
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 8,000 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You can be grateful and still give yourself a few days off … just saying … 😉🤷‍♀️😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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: 9,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    You can be grateful and still give yourself a few days off … just saying … 😉🤷‍♀️😊

    KK
    I didn't do very much yesterday tbh aside from read a book (which I got finished) whilst overseeing DP from the sofa. I had some energy today and honestly want a kitchen to work in so pushed on. We've got all the handles on and knobs and also most of the shelves and drawers in place properly and two worktops are in place but need bolting together and DP is cutting a sink hole in the third one as I type 😁. 
    I was busy this morning but I have eased off this afternoon into just helping with lifting. I made us a nice Buddha bowl for lunch using up garden bits (the courgettes are looking like they're coming to an end- got an abundance of toms and cucumber though at the moment 😁). 
    I think we will have to give in and buy a new battery for DP tools as they keep dying mid job 🫣 he's getting rather stroppy with it out there. 
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh I don't remember if I updated...if I have glaze over this 🤣😁
    I paid the final bill for the extension and the extras we had. We had 3k left!!!
    Yay!!
    I paid off the cooker and table and chairs bills which brought it down to 2.4ish and then moved £2k straight to the savings account so technically my EF has 2k. We will probably end up using that for shower room and utility though 🤔 but for now I will call it EF 😁.
    I've left a few hundred In the bank as we needed bits for the kitchen still and we may have enough for the skip once we've finished with the kitchen 🤞🏻🤞🏻🤞🏻. Be nice to clear the carport and the driveway it's all looking very messy again. 

    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 8,000 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You said you’d had the final bill but not what was left over - result! And very disciplined allocation of the leftovers 😊

    (The new battery set will be worth EVERY penny, trust me on this … 😉) 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.5K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.5K Work, Benefits & Business
  • 599.8K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.