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

HotDog2020

Hi Debtfree123 it looks like you have replaced work with cooking, and what happened to getting an appointment, or better yet make the jounrey to a&e, you need to get your foot better before taking on another job, I feel you want another job as it sounds like you are stir crazy! And the extra money will help, foot first though!! Come on lovely sort that foot out!! Have a spendid day all the best HotdogX

debtfreewannabe321

beanielou said:

I have said for years that it costs more to eat healthily than eat rubbish. Sad but true. 

Hope your OH comes back feeling less hard done to! 

It really does, it is so annoying. I have my sister telling me that her food bill never costs more than £400 a month and is wondering where I am going wrong, she has same size family as me at home but she lives predominantly on what I consider to be junk food (sorry sis) so not really comparable. 
And as for DP....yes me too!

debtfreewannabe321

skint_spice said:

My first and second mortgages would have been paid off when I was 48! If I hadn’t left my well paid job I would be paid around double my current wage and current mortgage was taken on at 52 due to end at 67 - now struggling to find the positive point I was going to make 😂 any rate you are not alone in questioning your decisions! But life has been interesting and full of variety…

Oh it is so depressing I keep thinking back to when I took that mortgage (a little over 50k for a 3 bed semi ) and then got a really good job and THEN GAVE IT UP ...ughhh. I was a single mum though and I was really struggling mentally at that time. I moved, took up another job which also paid well but invested money badly and then got back with the Ex and had two more children.........que sera sera, and here we are twenty years later. Shoulda, coulda, woulda again. LOL. 

debtfreewannabe321

HotDog2020 said:

Hi Debtfree123 it looks like you have replaced work with cooking, and what happened to getting an appointment, or better yet make the jounrey to a&e, you need to get your foot better before taking on another job, I feel you want another job as it sounds like you are stir crazy! And the extra money will help, foot first though!! Come on lovely sort that foot out!! Have a spendid day all the best HotdogX

You're so right I have. I was annoyed and upset yesterday and the house was already clean so I chose cooking to vent my excess energy instead
Oh and the foot I forgot to update! I rang drs in between waiting for oven to finish cooking things, 3 weeks for the appointment *!!!!!!*, I asked to speak to dr please over telephone in that case and they rang me after lunch, about 4 minutes on the call, and he thinks it could be tendonitis, which I had already kinda thought myself. He's advised to rest it, elevate it when I can and keep the appointment I made for now, but if it gets worse seek urgent care, blah blah same old spiel. I love how they can diagnose over the phone though, I wonder if all drs are indeed psychic now  
I have decided I don't think it is broken now it is painful but when I elevate it for a while the pain completely goes so the likelihood of a break is low I think. I am sat down now and it isn't hurting so I will try and rest it I think and see what happens. Imagine though, if in three weeks time I do keep the appointment and go to the drs and it is broken.......  

debtfreewannabe321

So I have been on indeed, I have seen a job I kinda fancy, it is less hours than I was already doing which wasn't enough but it sounds interesting, challenging and is in an area I have a passion for. I decided to apply and then realised I have no CV. I have done the cover letter but upon finding no CV stored in my new laptop I now have to start from scratch. So that is what I have spent most of my time doing this morning and afternoon, job searching, the odd survey and wondering how to make a template for a CV on my outdated word. It won't let me download a template because my word needs to be newer. I actually opted for the old one because I don't like the new one so I stitched myself up there. I will see if I can find one to download on the internet and then the next issue is what to put into the CV as I have mainly been a stay at home mum during the last 15 years  I am also not qualified for the role  I know this gets better and better but perhaps this is what I needed to spur me on to do a CV in case I find something later on that is perfect (and I am qualified for).

skint_spice

Yes, get the cv organised now and then you are ready to go. Some people have different versions depending what types of job they are applying for.

debtfreewannabe321

Thanks @skint_spice I have written one. Only I got bored and distracted and it ended up being totally satirical and may get a laugh but probably not the job  
I will try again tomorrow. It was helpful in some ways as I picked out key things to put into it, lol.

In the meantime I have signed up for Sprive, used a referral code I found online after much searching and linked my current account and also my mortgage account (both are apps so it took about 2 minutes to do) and I got £5 credited already because of the referral code! Whoop. Easiest fiver I ever made. If anyone wants to join here is the referral... E 8 1 Y 3 M D T (hope I was allowed to share that if not I will edit and delete and you can find one yourself or pm me)  From what I can see you sign up, and use it like a cashback site so I will try it next time I buy my sainsbuy shop, I think it works like the jam doughnut I was using, I will buy my voucher through sprive and then use it online at checkout and you get CB for going through the app. The money then goes straight into the app and to your MOP. At least that is what I am gathering...an easier way to do it than the JD CB site as I had to have a tenner in there before requesting it and then I had to have it over to my current account and then transfer to MOP...I will update on this though perhaps there is something I have missed. 
SO a NSD and £5 sent to the MOP  

LadyWithAPlan

Shoulda woulda coulda only deprives one of joy and gets one stuck moaning about the past if one is not careful.

I nearly bought a central London flat with 3 bed and a roof terrace in a v now expensive area of London 20+ years ago  - would be worth £1.2+m I think now .... and I didnt cos my then partner decided to buy instead .. course I paid him rent and left with zero..... however my life has been an adventure and fabulous and I would not be the same person I am quite sure if i had stayed in my banking job etc etc..

I have yet another reason to get excited about getting a mortgage - this Sprive app - sounds great..

I think going to Lidl is so worth it - and you will save more than the cost of the petrol  -  my Grocery bills have shot up and quality gone down since my local one has closed - 

debtfreewannabe321

LadyWithAPlan said:

Shoulda woulda coulda only deprives one of joy and gets one stuck moaning about the past if one is not careful.

I nearly bought a central London flat with 3 bed and a roof terrace in a v now expensive area of London 20+ years ago  - would be worth £1.2+m I think now .... and I didnt cos my then partner decided to buy instead .. course I paid him rent and left with zero..... however my life has been an adventure and fabulous and I would not be the same person I am quite sure if i had stayed in my banking job etc etc..

I have yet another reason to get excited about getting a mortgage - this Sprive app - sounds great..

I think going to Lidl is so worth it - and you will save more than the cost of the petrol  -  my Grocery bills have shot up and quality gone down since my local one has closed - 

So true! 
I shoulda, coulda, woulda with a pinch of salt I live firmly in the present (most days.)

debtfreewannabe321

Morning all,
Well I had a late one because I wasn't tired as I had barely done anything yesterday I couldn't sleep as wasn't tired. I went off to my little library (it is just a built in bookcase but still..) and retrieved an old copy "Of Mice and Men" and settled down to read....an hour and half later and I had finished it love that book, and had to meditate and then listen to some rain that had started outside before I could doze off. I think I need to find equilibrium in doing and not doing. I did walk the dog yesterday, probably just under a mile but aside from doing dinner I left the kids to fend for themselves, the washing up to pile, and I sat and elevated my foot all day. The good news is it doesn't even hurt in the slightest today....but I will be sure not to over-do it again. I do need more exercise than what I got yesterday though, cos I quite like my sleep!

DP is home today, he is very chatty on messenger so assuming he is no longer miffed. He told me the parking cost £15 for two hours and £25 for overnight elsewhere (or I might have it the wrong way round) I will be honest I am not even sure where he is possibly Manchester but maybe York or somewhere in between......he did say and I did promptly forget. Anyway he's home today, I was glad of an easy dinner yesterday to be honest. DP complains a lot if I serve up jarred stuff. That is probably my fault because I complain a lot too I do have a few in for emergencies though (i.e kids are in and they are hungry and we aren't there as they know how to cook pasta- just) Well I used a jar last night, threw it over some pasta and cooked up sausages in airfryer and chopped them with scissors and threw them on top of the pasta bowl with some spinach. Took me about 15 minutes and although not the best tasting I was glad it was quick and easy.

I checked my mortgage app this morning and the free fiver went on! Even if I never use it again I got a fiver for nowt need a *few* more of those types of apps and I will be winning eh. I am hoping for a hat trick of NSDs....I don't *need* anything so it should be, but I do have to drop DS off later half way down the A1 that road usually makes me want to drink.....but as I am driving I usually opt for a tea at the drop off end I still don't really feel confident about driving DP new car I don't like automatics and have had bad experiences with them as I have slammed on the break before now thinking it is the clutch and scared the bejeebers out of me. My mum had one and I would often have to drive it when she was unable to physically and I hated it every time, I much prefer the work of a manual... I will have to get used to it, perhaps DP one is easier than hers as it is new rather than clapped out and hardly working  

I have put jacket potatoes on the meal plan for today, so I can feed DS early, DD can help herself when she is hungry if I am out dropping DS, DP wants to come with me (probably doesn't trust me with the car after my face dropped when he told me it was an automatic) and we can eat when back.

TODAY is the day!!!!!!!! I am handing my notice in!!! As is my fellow supervisor and friend...she has landed a new job and yesterday I received a request to write a reference. I did so and sent it off, it was basic and easy. Our manager also received hers, dammit, so she has a heads up one of us is going, and proceeded to say to her that she couldn't fill it out because she wasn't at work. She would do it on the 15th April. My friend was hoping to start her new job then, the reference clearly stated that too, please return asap as we are hoping she can start 15th April. This is what the manager has been like to work with all along and why we both want out. She drags her heels, she is spiteful and lazy. I hope my reference will suffice until manager sends hers but I don't know how these things work. If she loses her the job out of spite of her leaving that will be a new low. We are co-ordinating our emails to be sent at the same time, as a taste of her own medicine. We will CC in the regional manager in case her excuse for not reading was "we were on holiday". 

I had a day's pay docked yesterday and spent an hour to-ing and fro-ing trying to sort it out over email. Thankfully I got there before the pay landed so I was paid for it. It was the other supervisor who'd been off, not me. Oddly enough our manager couldn't do enough to help me even though she was apparently stood in the middle of Sp0rts D1rect the other supervisor...she's plain rude to and dismissive. I think it might be because I just go over and above her most times and take my complaints higher and she did get a ticking off for breaking COSHH laws just the other week...so.... she probably wants to avoid that again with me. 

Anywho, today I am going to pay my N3xt bill, allocated bill money from pay so not counted towards my NSDs, if the rain stops, walk the dog, I have started a new online course as I am feeling adrift and lost in my middling years and need a re-focus. I sat with my book last night and was pretty happy actually, knowing I didn't need to be asleep as I wasn't required to walk 20k steps today so would have the energy this morning even if i did stay up! And I was right. I want to finish my CV. I also want to do something creative, I was umming and ahhing about what. I am not a painter, or drawer (is that a word aside from what you put your nick nocks in) or a poet really but I do enjoy writing so I might try and do some creative writing as a new past-time and creative outlet. I would like to be in the garden, but, well, I am a fair weather gardener *sorry*. DIY was my thing but honestly I am sick of the sight of paint tins and caulking now. So wanted something new. I will look at that online course (free!) and use it as my focus, it is on novel writing, should be fun and something to be taken not seriously.

I don't think I will apply for that job I saw it was up to 10 hours a week, minimum wage and I needed a car. In a non MS moment yesterday I thought, beggar it, I will just buy a car! That would be foolish. I would be working my minimum wage, minimum hour job forever more just to pay for the car, fuel and insurance  
I will keep looking locally but I will get a handle on my budget again as we should be okay. I think I was just panicking about becoming irrelevant, and un-needed to everyone, so I will refocus and go back within and meditate on that. What others think of me is not my business, my mantra for today. And I will take stock and remind myself of all I have done, which whilst not successful in the business or career world is successful in my personal world. I have these momentary lapses into mid-life crisis but I know I will find my way back out. 

I am so happy logging on to my mortgage app and seeing the number start with 97!! Super grateful for that!
I have also lost 2lb since last week. I fasted for two days (just 16:8) to reset my eating habits and it really helped me to be aware of how much I was wanting to eat in the evening. I need to change this, which should be easy going forwards as I won't be working over dinner time and I won't be hungry as I won't have walked 10-20k steps in an afternoon Here's hoping anyway....

Okay no more updates. I write too much. Would be helpful if I typed slower I guess I wouldn't bother writing out my entire stream of thoughts bye for now