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

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  • beanielou
    beanielou Posts: 96,053 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good idea to cancel the card. 
    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.
  • @Bargainhunter30 @Watty1 (sorry we cross posted before I only just saw your first post) @beanielou
    I've been thinking about this all day and then popped on here to see you'd all had the same thoughts as me about cancelling the card. I don't think he's lied to me, DS1 bought DS2 a year's sp0tify subscription last year for his birthday, but he sent me the money into my bank so I paid for it from my card. So as that year has just run out I think it auto-renewed without ds2 even realising it. However, I also agree if he can't even talk to me any more then I don't see why I should be paying it. So I will go on my app later and cancel the card and get a new one. 

    I've had a busy and productive day. I went to the gym, and wow it was busy. Lots of retirees there and other middle aged women, which was nice to see, as I was about the same fitness level, if not worse. I hate it when I go and it's full of young fit people :lol: 
    Then I went home and made a shopping list for lid1. Spent nearly £70 and not really sure on what as I didn't get very much for my money. Shocking the price of food lately. I also put back two packs of organic toms as I thought, I'll check the greenhouse first. Glad I did as that worked out to nearly a fiver just for those two. Back home I found a whole huge bowl full of toms in the greenhouse! 

    I have done the washing, and two online courses for the fostering. Also filled out a form I have been putting off for ages and done some other small admin-y bits. 
    Going to collect DD soon from school and then make dinner and chill for the evening. Maybe a nice movie and a hot chocolate, feeling a bit tired but will have an early night. The scales are going to be thrown out soon enough, I haven't shifted a single lb if anything I am gaining and I will tell you it is not muscles yet :lol: I did internet search it and it said the body will sometimes go into a bit of shock when you start exercising and haven't done so in a long time, and water retention will be to blame for weight gain...........so we will see........!!


    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
  • New card ordered ✅
    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
  • Afternoon all, easiest dinner ever in the air fryer- Jacket potatoes, will do it with cheese for DD and beans for me. DP is away tonight on a training thing &social. 

    I have had an awful day at work with really unacceptable behaviour from a student. Rude, condescending, intimidating, and just generally being horrible and disrespectful to all staff, but especially me. I seem to attract it😑 . I did eventually get an apology but that is only because I told him I was reporting every word he said so the apology means nothing to me. He carried on glaring and rolling his eyes my way for the last 45 minutes of the day (he was rude 9am-3:15 thinking it was okay if he said a simple sorry.)

    I have a raging headache and once dinner is done I think I will eat, shower, and go to bed with a movie! Today can do one. I am over it. 


    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: 8,042 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ugh … that sounds like a really heavy day 😢
    Hope the baked spuds are cheering! 😊

    Is that you finished for the week now?

    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. 
  • I am so sorry to hear about the day you had.

    Please do report the student. 

    I feel for you - I can be left similarly drained from work and am really trying to look after myself so it is not affecting my time not working.
    1st May 2025
    Mortgage Balance 1: £21,601.50 4.98% Now: £18,044.31
    Mortgage Balance 2: £84,420.24 Now: £83,562.45

    Credit Card Balance 3: £10,911.76 Now: £7,237
    Student Loan £TBC
  • Definitely report his behaviour, although I studied it won't be a surprise to them! 
    Is he someone you will have to be with every Thursday? 
  • beanielou
    beanielou Posts: 96,053 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It's so not on.  Time to look for another job or when might you hear about the fostering? xx
    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.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,543 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @KajiKita sadly I am not yet done for the week, I work today but I have a late start. 10-4 today. 
    @StripeyTightsSpottySocks thank you, I got home, made a cuppa and went straight onto our reporting system and tagged every single member of staff in it to see it. Usually this early into the year it is quite easy to get rid of a student and he already had four complaints on there after a week and a half...he's in for three days a week, what does this tell us....hmmm.
    @Bananabreadyum I've had them twice now so I feel like this could be my regular day. The rest of the class are lovely. I'm trying to focus onto the one student and how she said I was so lovely and I was her favourite teacher ever 🥰 she has down syndrome and wouldn't even talk to me the first week, instead she cried from anxiety and I spent all day coaxing her into talking to me. And the other student kicking off yesterday was scaring a couple of other students including her. 😡.
    @beanielou we are forging ahead with the fostering process but it's a long road as it should be I suppose to make sure everyone is trained/ suitable/ safe for LAC. 

    So I had nightmares all night last night. My c-ptsd shows itself mainly when I feel there is a physical threat. Yesterday I felt there was one looming. Once again a tall (6ft'er who liked to throw his weight around) practically whispering to me out of earshot to other adults in the room, you better stay the fk away from me and glaring at me with a smirk across the room all day- well it triggered me quite badly. My entire system was flooded with adrenaline and I had trouble sleeping, I cried, I had nightmares, I felt unsafe. I dreamed all night about someone breaking into my house. ☹️ Then right before I woke up I had a dream where ds had messaged me saying he missed me, and it was so real. I woke up and thought it had happened and it obviously hadn't. So that upset me too. 
    Thankfully today is a late start and it's in an entirely different part of the college so I can hopefully close that day off in my mind to function today and stop replaying it. I don't want to be hyper vigilant all day long because it will lead to utter exhaustion which then in turn usually makes me ill from weak immune system. Never ending cycle but I am aware enough of my triggers to understand the cycle and I know I can get myself out of the loop by taking action - I did with my reporting. And I will also message my line manager today too. 
    And I need a distraction a calm one to ease my body never mind my poor soul that has simply had enough sometimes in this lifetime. 

    Oddbox is due this weekend with a green chef box. I'll be gutted when the cheap boxes end as it's been so easy to cook and not have to think about meal planning and shopping etc. we've also avoided takeaway for ages so that's good. It's not even half way through the month though and bank accounts are looking sparse. And sad. Hmmm. 

    Right going to make some lunch and get things ready for my Friday. Hope everyone has a good day.
    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: 96,053 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Jeez. That’s diabolical. 
    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.
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