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

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Comments

  • KajiKita
    KajiKita Posts: 8,154 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I think this is my 12th home, not counting the two rentals I lived in during the working week for a while.

    Hugs for the relentless people-leaning-on-you thing … x

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 to date
    Fixed rate 3.85% ends October 2030

    Read 51 books of target 52 in 2025, as @ 17th September
    Produce tracker: £389 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. 
  • daisy_1571
    daisy_1571 Posts: 2,212 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Almost 60, in my 7th home.  At her age I'd be in my second but my brother would be in his third.   

    Maybe next time you are out in the car with her take her to one of the grotty places you've had to live and ask her how she'd fancy living here.  When she scoffs tell her this is where she would be living if you hadn't tried to continuously improve both the areas and the houses shes lived in!  Good grief that girl really can make anything either a drama or an insult 😆 🤣 😂 

    Ask her to count in all the holiday places and other overnights she's maybe had then tell her that there's a new law about how many places you can stay and she's over the  limit- she'll have to live in her current house for the rest of her life, never going away on holiday, never getting away from looking after you in your old age 😆 🤣,  she might find she has a few more moves left in her 😆 

    Dxxx
    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'
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,611 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Lol I knew my number was quite high but I thought DD was low. Maybe not after reading all yours 🙈🤣. It's low compared to me though 🤭. 
    Daisy I might try that, but all she has to do is go to her dad's house as it's an exact replica (same street as her second house) of house number 1&2 for her 😆 typical bog standard army quarters. She hates going there so....
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
    Total- £1583.67
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- £342.41/500
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,611 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    So this morning I've been up for an hour already. I'm not a 6am'er 😴 I will be asleep by 9pm later 😆 tbf though I was in bed at half 9 last night absolutely zonked. DP got on the train okay, I'm back and dressed and need to do make up and lunch but this is my usual get up time so feels like I have forever this morning 😁.
    I am a big tea snob I realised this morning, ran out of my usual clipper tea and have the spare emergency tea bags from when the builders were in 🤢 omg they're awful. Like drinking dishwater. Need to get some new ones so might have to break my NSD for that. 
    Still have a bit of writing up to do for work, will do it on lunch I think, as I'll be avoiding the staff lunch room in am attempt for some downtime today. 😆
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
    Total- £1583.67
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- £342.41/500
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,611 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    £45 Cashback hit my account this morning 😃
    £342.41 in my EF now. 
    £500 is my next target amount 🎯
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
    Total- £1583.67
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- £342.41/500
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,611 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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- £221.34
    Total- £1583.67
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- £342.41

    (Signature about to change it as ran out of room 😆)
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
    Total- £1583.67
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- £342.41/500
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