We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1373374376378379411

Comments

  • KajiKita
    KajiKita Posts: 9,215 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I've a working sink and dishwasher to end the week on 😃👏🏻 the dishwasher is on now and has saved us lots of washing up (from bulk cooking the weeks dinners)! 
    Oh this is HUGE! 🎉🤩🥳🎊😊

    Very well done DP 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 97,770 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news. 
    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.
  • daisy_1571
    daisy_1571 Posts: 2,611 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    fabulous news !!
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 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'
  • I've had £200 paid from ex. Moved it straight out to the EF. That's less than the amount ex thought was a fair price to pay for his DD, the amount he thought was fair was £250 and yet here we are. A game of control once again. I choose not to take part in his games nor respond. I've moved the money out and will wait on a CMS letter. 

    Work at 10 today and I'll take the car myself as DP has work to catch up on after a week off. He must be exhausted though as I heard him up in the night coughing....then I started coughing too 🙈 I'm praying I don't get a cold like he's had as he's not stopped coughing for a whole week so far. 

    On my work group chat we've got four off sick already this morning....when will the colds beggar off, we've had enough now. I've already had two since beginning of term. 

    DP won't find out more about his job until tomorrow he's been told so we're waiting on tenterhooks, alongside many others no doubt. 

    Right best get ready, my lunch is done though and I've everything ironed so nice easy day hopefully 😊.
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £103.62/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • KajiKita
    KajiKita Posts: 9,215 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad you've had some monies for the Ex and well done for moving it straight to the EF and not engaging any further .... (a complete waste of time!). 

    Sorry to hear about the coughing. Lots of water and Vitamin C! :) 

    Where have you got to on your foot? I have rather lost the thread on that. 

    KK 
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Baldybear
    Baldybear Posts: 1,730 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Delurking and this maybe conpletely useless as just thinking off the top of my head about ds.  Can you speak to his new school and mention you are worried about him would that help?    

    Hope all ok and have a good time at work and not too stressful x
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • @KajiKita I am waiting on drs to contact me about my foot. The pain was unbearable yesterday again and I hadn't done anything particularly strenuous ....some days it is okay (pain still there but manageable) and other days excruciating. I would like an answer as to whether there is any fracture before I seek out something myself to help.

    @baldybear A friend has said the same to contact the school, I could do as I have all their contact details in an email... I hope Ex is just lying as per and DS is actually ok. :( 

    Work was okay, it went relatively quickly, I hid in the canteen at lunch and I had paid for the audbile subscription for 99p so I downloaded it to my phone and open up a book I had got with the subscription (flowers in the attic- anyone read it? I must have last read it over thirty years ago so I am enjoying hearing it again). And I put my bag up on the table, hid behind it and ate my lunch in relative peace with a story in my ears :lol: I can be so antisocial when I want to be 🙈 I am just feeling so overwhelmed right now and no idea why so really needed that time to myself. I have set boundaries with the student and found her a friend to be with at lunch, and she seemed happier, chirpier after lunch so that was good. 
    I parked in the car park so had to pay for that, but DP had so many calls I would have ended up walking home which my foot wasn't up to, so needs must there, annoying though as I found a space for free on a side road, parked up, got out, kicked aside leaves and found three of us were actually on double yellow lines! So I moved my car and saw the parking warden rounding the corner as I drove off to the car park.... 😬so at least it was just the price of a car park rather than a parking fine. 

    Off to the gym in a bit, DP wants to burn off some mental energy I think as he suggested it, and in three months of going he's never once suggested the gym :lol: he usually waits for DD and myself to drag him along. I will go too as need to collect my other parcel that arrived today- the tankini, and I fancy the sauna, I have been cold all day 🥶.
    Dinner I will just do one of the pre-cooked ones from the fridge so will be nice and quick. 

    I've got £11 pending in a survey site. Trying to top up money this month with surveys and fb sales. 
    If this job scare has done nothing else it has highlighted to us how fragile we all are in big corp. jobs. Same for DP I think and he's got to thinking about what else he would rather do to be his own boss and not have others dictate whether he gets to keep his job or not (esp when he has been working SO hard since he started and turned around all sorts of things).
    OOoo I am losing the light, I need to pop to back of garden as pumpkins are all going mouldy, they're headed for the compost ...so best go do that before it gets really dark (why is it so dark so quick already this year?)
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £103.62/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • KajiKita
    KajiKita Posts: 9,215 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Wishing DP positive news today about his job … 🤞

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 97,770 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    All positive vibes for DP. 
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.1K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.2K Work, Benefits & Business
  • 602.3K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.