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

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  • beanielou
    beanielou Posts: 95,870 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Kitchen looking fantastic & the tables sound fantastic.
    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.
  • daisy_1571
    daisy_1571 Posts: 2,160 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    We keep our fryers and toaster away most of the time.  Its no bother to just lift them out when we need them
    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'
  • Kitchen looks stunning. I love the colour of the cupboards and the paper. 
    Will be so nice to get the others rooms back to normal too

  • KajiKita
    KajiKita Posts: 7,983 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Getting rooms back to normal function is a huge step forward, well done 😊

    Are you doing anything nice and non-DIY today? 

    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. 
  • skint_spice
    skint_spice Posts: 13,453 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The kitchen looks great, well done!
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463


    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Bargainhunter30
    Bargainhunter30 Posts: 329 Forumite
    Tenth Anniversary 100 Posts Name Dropper
    Wow it looks amazing, once you get everything in the right place it will be well worth the effort and I'm sure your mood will lift a few notches. Enjoy
    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!  


  • greenbee
    greenbee Posts: 17,889 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fabulous kitchen, and well worth the effort. It's making me want to get on with mine... 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,513 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 27 August at 8:48PM
    Thank you all for popping by and sharing love for my kitchen 🥰 @beanielou @daisy_1571 (I'm going to put my air fryer in the cupboard I found a spot for it!)
    @Bananabreadyum @KajiKita (I didn't do ANY DIY today 😇) @skint_spice @Bargainhunter30 thank you 🥰 @greenbee do it! Do it! (Read that somewhere...oh yes on bananabreadyums diary 😉).

    Today I had a meeting with the foster company all went well, he had some questions and asked DP one question and it nearly all ended in tears 😓 I have a lot of trauma in my life but I think us women are better at sharing with one another and working through it and moving on. Men (not all ) are more secular and keep it to themselves. Poor DP went off on a tangent trying to over explain why he doesn't see his kids any more and it ended in tears and explaining about awful marriages and omg we had no time for anything else, poor man. I was kinda glad though it meant I wasn't asked anything difficult 🫣. Although I'm pretty much an open book so not bothered when it is my turn.
    The guy said we could be approved as soon as December 😱 if obviously all references are good and we pass through panel. 
    - guess what 😬 we have to do a few alterations, Ie, DIY, to the house to make it 'safe'....ughhhh. anyway....

    Anyway, anyway, glossing past that, after that my cousin messaged and she'd just been to an appointment near mine so we decided to meet as we were both free. Nice cuppa and catch up and I brought some trousers back I didn't like in m&s (bought wrong size). Then DD and I went to l1dl as we had no food in 🤣 we filled the cupboard and fridge and she stood there staring at it saying omg we have food!! I've been looking at tomato sauce and dried up crackers and mouldy cheese and one tomato for weeks and it's all we had!!!! - she should get an oscar. It's really not been that bad 🤣🤣

    Then I had to take DD to get her braces done - she got the full one today as up to now she's only had half a brace! Woop! 
    Whilst out I am certain we got caught in a mini tornado 🤔 perhaps I see where DD gets her exaggerating from though 🤣. But seriously leaves were blowing up into funnel shapes and we nearly got blown down the street! Then it poured! I had sandals and a dress on 🥲😒. Nothing to be had in the charity shops today.
    I sold my pan set! 
    And then after dinner we went to the gym. DD and DP had an induction into the actual gym and I went swimming. I am up to 20 laps in the slow lane, in one go ..so no stop between them. It takes me 20 minutes. I was so proud (even if it is very slow compared to most 🤣) then I went to the sauna and steam room and caught my breath 🤣🤣. We had hail on the way home?!

    Home and I have to get ready for work tomorrow. I've had a busy and full day but it's been ok. My cousin was like, DFW, you have ADHD. 🤣 You do NOT know how to sit still. 😉 I said I will rest when I die. 

    Hoping it is an easy day tomorrow, the plan doesn't seem too bad although I do not like the sound of 'team building exercises' 😒and praying I get a good timetable! 🤞🏻🤞🏻🤞🏻
    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
  • Jessy103
    Jessy103 Posts: 2,301 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Poor DP. Exciting about getting approval so soon though! x
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • KajiKita
    KajiKita Posts: 7,983 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That sounds quite traumatic for DP ….
    well done on the swimming 👏

    Good luck for tomorrow 😊

    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. 
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