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

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Comments

  • Watty1
    Watty1 Posts: 7,427 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just catching up. Goodness my dearest DFW we have a similar history (although I don't have children).   Whatever happens with the process will happen.  I'm sure they have seen and heard it all before and can make fair assessments, and, if they can't then their role in the process is questionable but at least  you have done just one more layer in the healing process. It really is like peeling an onion.   Sending love.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Thank you @Watty1, it makes me sad you've had a similar background to me. I wouldn't wish my past on my worst enemy. 🫂
    My friend that works for the company has known me over 35 years now, she's advocated for me all along. I've looked after her kids for her so she knows my strengths and weaknesses as a parent (I'm much stricter than her, it's the only place I have lots of boundaries in my life - usually out of a want to keep my kids in my care safe) and her boss has agreed to use her as a reference even though it is kind of conflict of interest. So I'm guessing whatever my ex has said is bad. She knows him (he once tried it on with her right in front of me at a party and she despises him and thinks him a snake 😁) so she can accurately tell the SW our relationship dynamics (toxic) and how I am SO different without him in my life. 

    Emergency Fund- £687.77
  • daisy_1571
    daisy_1571 Posts: 2,389 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Lol, I hadn't appreciated you meant presents 🤣 😆 

    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'
  • KajiKita
    KajiKita Posts: 8,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Lovely to come into a chatty, (slightly) rambley, happy post - you sound more like yourself again :) So glad you slept and your knee is feeling better :) 

    It takes me me about a week to start missing Mr KK when he does his France WW2 battlefield trips, so you are obviously fonder of of DP than I am of Mr KK  ;) Lol  

    Hope your day continues to go well.

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
  • KajiKita
    KajiKita Posts: 8,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 15 October at 12:18PM
    Yaay for new glasses that actually work for you! I suspect that will make a big difference to you and you can go back to cross stitch etc again, maybe?

    I'm sorry that the fostering thing didn't work out. I feel you deserved it for it to but sometimes these things happen for a good life development reason we can't always see at the time.
    Maybe give DP a bit of time to process before getting into how he feels about being turned down - he's had a mad week and he's been through the mill a bit with the past-being-stirred-up-by-the-process too, hasn't he. 

    It sounds like the debts will be tameable fairly quickly, once you have the cooker refund (give them a prod?) and the Ex pays some maintenance <KK says blithely ... trying to encourage universe to make it happen! ;) > Well done for getting it all straight though, at least you know exactly where you are now.

    Before you start agencing and all that good stuff, please revisit your vision board and be really ASSERTIVE about exactly what you want from a new job! ;) 

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
  • We are due a refund for the medicals! £100 and I prompted for that before we get erased from the system....so that can go towards the debt. When we get It.

    I need to pop out and do some errands then pick DP up. Promise I won't interrogate him just yet 🥰🤣 but I am interested to know how he's feeling with regards to his children especially. 

    Right best run, don't think it will be as quiet as I hope on the roads as we've lots of road works going on here and I need to go back across town then turn back on myself and divert to Train station then back again. 
    Did I say the fine has been taken off my gym account so I can go again now. 😊
    Emergency Fund- £687.77
  • Watty1
    Watty1 Posts: 7,427 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to read that the fostering process has stopped.    For some reason I think this might deliver a gift you cannot yet see, but, I do understand how you must feel right now
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • daisy_1571
    daisy_1571 Posts: 2,389 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear about the outcome from the fostering.   I'm sure it must be upsetting at the moment,  especially since it wasn't your decision,  its a decision made by others. 


    Hope its not too soon for looking at the positives. Definitely carry on writing down your experiences.   It must help to get it out of your head.

    I'm hoping, in time, you may look back on it being a good thing.  Its a very long term commitment as you would be emotionally engaged with these kids and invested in their future for ever more as I doubt you'd forget any of them.  It would be lovely to think you got a couple you really clicked with and were able to guide their lives in healthier ways but you may have got ten on the bounce just like ds2 at his stage in life.  Thats a lot of negative energy to bring into your safe lovely home.  Knowing what people are like we minimise the good we did and focus on the ones we felt we failed.  Your recent issues with ds2 does make it seem like you aren't somebody who finds it easy to let things go so I'm sure you'd have felt it deeply even though those around you said you had done everything you could.  (I'm also not sure it was best timing for ds2, I know you can't put your life on hold for him but im sure at his self self self age he would just see it as you replacing him.)

    Focus for now on the interactions you have right now which help - the kids at school, your own family life, your friends and most importantly yourself. 

    Theres other ways to help if you fancy doing things in the future, youth groups, counselling, volunteer at something like phone lines, food banks, charity in some way - its not all helping in the shops although that is of course hugely important. 


    Take care xxxx
    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'
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