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

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Comments

  • Thank you @Watty1 & @daisy_1571 I clearly ____ (that is the clearly underlined 🤣🤣) put on my vision board that I wanted NO bad energy into this house again. I feel it's what has stilted my progress for so long. DP said to me, perhaps the fostering might impact that, and I said if it isn't meant to be for that reason I 100% accept that. I genuinely do not want negativity in the house like we had before.
    I think DP and I were always sad we couldn't have our own children together and we both had them with toxic nasty people who are vindictive and just awful....we wanted one together and obvs menopause etc nope not meant to be. It's what made me think perhaps we together could make a difference to other children, not ours, but those who want a safe loving peaceful environment. It's okay it's not meant to be. I do accept it. I'm feeling pretty philosophical about it at the moment....still worried about DP response as I do think it was his children having cut him off that's put an end to it. I hope he will be ok ♥️.
    Right off to collect him! 
    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. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • beanielou
    beanielou Posts: 96,616 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to hear about the fostering. Something better will be on the horizon for you. 
    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.
  • So sorry DFW. Have you thought about working in a children's home? It may be similar to what you do now in terms of stress, but you never know.
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • skint_spice
    skint_spice Posts: 13,538 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the fostering but it could be a blessing in disguise. 
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Money making challenge £78/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • dawnybabes
    dawnybabes Posts: 3,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Is this the council fostering ?or a private company ?  They have different criteria. 

    Hope DH didn’t take it too hard.  I personally know I’d be no good at it, one of my friends does it and manages not to get emotionally involved, I absolutely would ! 

    Sealed pot challenge 822

    Jan - £176.66 :j
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