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

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Comments

  • Thank you KK 🥰

    Feel a bit more rested this evening and heart palpitations have stopped. 

    I've put a claim in for missing cashback for £45. And I started my Christmas shopping clicking through from a cashback site to very and signing up for their credit agreement to get 20% off. I've bought the Xmas pjs, EDT for DS and DD, some other little bits that were in the sale, and I also bought DP a new phone. His old one is 6+ years old and is way past it's best. He's brand loyal so I've said no for ages 😬 as it was too expensive. However with a new model about to come out the older one isn't quite as much. Plus 20% off so seemed an ok price to me. 
    I have almost enough in the Xmas account to pay for it. But with 12months interest free I'll not rush to pay it just yet. 
    Feel more organised than I have done in ages with Xmas I usually leave it to the last month or so and then panic. 
    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
  • beanielou
    beanielou Posts: 95,999 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    beanielou said:
    Can you not just chill?  You don’t need to be always doing xxx
    I took myself off to bed for a nap instead. DP offered to iron the couple of bits needed and make dinner ⭐. 
    He's a keeper  :love:
    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.
  • Well my timetable was messed up so I've been swapped from a day I was looking forward to to doing maths and English GCSE all day. Qué Sera Sera I guess. Glad I didn't buy any new clothes for the day as it was practical and I needed PPE. 
    Feeling better today, spoke to several people today and seems many of us were day napping over the weekend after last week (was very busy, noisy and overwhelming to be honest). 
    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
  • First proper day at work done (last week was mostly induction) and I left an hour early as I had nothing to do. I guess I should do my write ups but I can't be bothered to be honest. I've a raging headache this afternoon and I am praying there's not a bug going round..I was good all summer and the min I start back at work I'm tired, not feeling well, nose running and headachy. Ugh.

    Wasn't a nsd either spent a couple of quid earlier on a snack and drink. 
    Might get changed and get some fresh air out in the garden seeing as though it's work time I'm sure I'll enjoy it even more 🙈😆 (this kind of makes up for the lunch that was halved the other day and overtime I already managed to get in last week helping people beyond my hours).
    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
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