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

daisy_1571

Another very corporeal scot here 😆 

Dxx

debtfreewannabe321

@KajiKita I had to Google 'scotch mist' 🤭🤣 had no clue what you were on about, I'd heard the cockney slang meaning before....and thought um that doesn't fit..or does it? 🤣. Thank you @beanielou @daisy_1571 I feel like all of you on here actually understand me better than my real life family anyway 🥰 I feel heard on here, I rarely do in RL. 

Okay I've been through all my banks, and budget and trying to clear the befuddlement 😩😂. Easily done when you are me. I'm sure I have scrambled egg for brains. Right so I've shifted money around as we've had some big expensive purchases (Nada planned for!) 
Cooker -£1347
TV- 400(? Can't remember now as split into three)
Car -157 (not too bad considering we barely paid any labour on that).

Shoes. Oh Emm Geeee I have shoe purchases and refunds coming out my ears. This required five full minutes of my time alone this morning 😂. I ordered one pair on v1nted poor lady sent them to wrong house very apologetic but anyway left us shoe-less before the big night out. I panicked as DP has large wide feet and so I ordered three pairs on @mazon so that we had choice! 🙈 So we had three refunds after choosing a pair. Pleased to say all refunds are in - I had to check as I paid from wrong bank account so was watching the wrong one looking for the refund! Anyway all is back in. 
I *think* the only outstanding is that cooker. The biggest of the lot 😳😬.

I've moved money around and put money back into a couple of pots I raided so the banks look a little healthier considering we're not even half way through the month (and most were nearing empty). I've enough now for fuel, food, bills. And if dp has any in his bank that's extra. 
I also paid the last pay in three off the holiday booking for the Xmas market and to visit DS (looking forward to that I've never been to Bath).

I've over two hundred in cash still so need to pay that into a bank. That's going straight to the savings. I then have enough to pay the plumber. If refund comes in for cooker I need £148 to top it up for the payment for new cooker. 
And breathe. I feel better for checking. I don't like months where money is in out, in out, (shake it all about.)

Today I'm popping to Mr T need cake for parents in law, teabags (nice ones hate the cheapy ones) and some fruit. Must stay restrained as want to keep on top of (newly topped up) budget. 

Right dp is calling me, best be off for now....

beanielou

Enjoy your weekend. 

debtfreewannabe321

Oh wow, I've just tried to figure out my daily interest ( thanks to seeing @skint_spice do it ) 😳 I wish I'd never bothered 🫣. 
I have three parts to my mortgage so it was quite hard to do it with the calculator I found. Instead I went off the interest I'm already paying, anyway, it works out to be *drum roll please* a very depressing £15.10 a day 😩😳🤣. Blimey. 
However in 18 years and 10 months it will all be mine 👀. 😬

debtfreewannabe321

beanielou said:

Enjoy your weekend. 

Thank you @beanielou you too 🥰

skint_spice

Just watch that interest come down DFW, it’s a wee win each month!

debtfreewannabe321

skint_spice said:

Just watch that interest come down DFW, it’s a wee win each month!

Aw I hope so! I think it's a bit shocking as we've just added another sizeable mortgage to it so the interest shot up 🙈.


Gawd I've had a busy morning. I've managed to make a good sale on FB this morning because I said I'd post (I usually avoid but it's clothes so felt it wouldn't break on the way -we hope anyway). £60! But nearly £10 was spent back on postage but I did factor it in. 
Lots out of the house too which I'm happy with! I think it was most of DS army kit which took up a fair bit of space. I still have a few bits left though.
So parcelled that up and printed things off to stick on it. Went and dropped DD at work, came back via the post office, to pay in cash from painting sold, a man was stood in there with bottles of wine, an oil painting, some clothing and other bits I couldn't make out asking how to post them abroad 🤔🤭🤣. It was like a sketch off of a 'how terribly English' type programme. He hadn't parcelled anything up and looked bewildered 🤭 said it was someone's inheritance. Anyway another man stepped forward and I didn't realise he was with him, I think it may have been his man servant, and he helped him find suitable packaging and they were literally packing it on the side of the teeny post office (posh part of town) I was trying not to laugh 🤭. Anyway paid that in, went shopping and then to drop parcel at drop off point and back home. Didn't get home until 12 and I have to go collect DP in a mo. Just stopped for a cup of tea after washing up, tidying and putting shop away. Not sure when to expect the in laws but wanted to tidy first. Still need to run hoover around but will do it after collection of DP I think now. 
Nice and sunny and autumnal here. I love this weather, not too hot or cold and the colours on the trees are beautiful 🍁🍂🏵️. Right best go...hope everyone has a good day.

beanielou

I am snorting with laughter.

Jessy103

Brilliant! I'm picturing Ralph and his man servant Ted from The Fast Show 🤣

debtfreewannabe321

@Jessy103 that's the one 🤣🤣 I'm still giggling about it. Was so funny. He was so far removed from being normal he didn't even know how to pack anything ready for sending 🤭😂. @beanielou I was trying to hold it in but I laughed all the way back to the car 🫣😆.