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

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Comments

  • dawnybabes
    dawnybabes Posts: 3,597 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Don’t get me going on the maths, my DS is taking it for the the 7th year, it’s bloody barbaric - he’s a level 3 merit qualification, a 6 in English but because he’s an EHCP he has to keep redoing it whilst he’s at college.  Drives me mad and it’s in my ‘professional’ arena and there’s nothing I can do other than shout from the rooftops everytime people listen. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Don’t get me going on the maths, my DS is taking it for the the 7th year, it’s bloody barbaric - he’s a level 3 merit qualification, a 6 in English but because he’s an EHCP he has to keep redoing it whilst he’s at college.  Drives me mad and it’s in my ‘professional’ arena and there’s nothing I can do other than shout from the rooftops everytime people listen. 
    It's so frustrating isn't it @dawnybabes and seven years - poor thing. I had one last year also on their seventh year! They scraped a pass though in June and were so happy 😃....it was their last year at college too so I was super pleased for them! 
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £110.77/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • My ISA money arrived this afternoon so I've rounded it up and sent it across to the EF and have a running total of £649.97 in there. I'm using survey money to top it up as and when it comes through, I'm hoping to reach £700 by December 🙂. It would be nice to be nearer to a £1000 than £500 by the start of 2026. 

    Curtain tracks should arrive shortly. I will pop to the shops tomorrow and get some paint for the front room in the hope we can start moving some rooms around in the next week or so. This might be a little bit of a stretch as I'm always so tired by the time I get home to do anything meaningful, but we've a few weekends left in November so DP and I can do it then. It's literally just a paint job and putting some curtains up too in there so should be easy. 

    Seitan,. broccoli and mixed veg stir fry tonight with some rice. I'll prep before the gym and cook when home. Might also use all the old fruit up in a fruit salad for pudding so the trip to the shops tomorrow can be a full shop. Right-o having a quiet hour before gym now....need to decompress someone talked my ear off this afternoon 🙈.
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £110.77/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • MeandO
    MeandO Posts: 3,290 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Sounds like a productive day, DFW321. Hope you have a lovely, relaxing evening x
    Mortgage @ 03/2019: £125,000, Now: £49,614.75
    Mortgage OP’s: £22,109.28
    SHTF pot: 725/1000
  • Watty1
    Watty1 Posts: 7,697 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Love aqua aerobics.  Always seems fun.    Have not been for years.  Finding a gym with pool will be on the list in the future.
    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 !!
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,269 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 12 November 2025 at 9:09AM
    Watty1 said:
    Love aqua aerobics.  Always seems fun.    Have not been for years.  Finding a gym with pool will be on the list in the future.
    It's great fun @watty1 and last night I wasn't the youngest one there which made a change 😅. The ladies (and couple of gents that go) are all a really nice bunch though and we tend to do that and then go to sauna or steam room after. Last night was super busy though so I didn't do my usual twenty minutes in those. 

    Cashed out £2.50 on TCB. The £2 bonus and 50p CB had tracked and confirmed already for the paint shop voucher I bought. I'm off to the gym soon then I will shower there if the showers aren't too busy so I can use their water and electric (hair dryer - not doing both together don't worry 🤣). 
    It's raining cats and dogs here but DD did a grand job of driving to school this morning in the rush hour traffic. Her friend passed her test yesterday so DD is keen to pass hers now too. 
    I need to do a shopping list and go to SM later too, and also put a few washes on. In fact I'll put first wash on before I go out, it can be ready to stick in the TD when I get back then ready for wash two. I've got into a good habit of saving all washing for two wash days, one weekend day, usually a Saturday and Wednesday my day off. Ditto for the shopping. 

    Right I will report back if I managed to make it to the shops to buy paint or not. And whether I get lucky with any more surveys (been good and checking them every day at the moment). 
    DP has sent something along to the person in charge of sending reports over to the consultation guys to say why his job is important....we are quietly hopeful he won't be made redundant but either way we know we'll have enough to survive the next few months so it will be fine. (She says trying to convince herself). 
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £110.77/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • No paint bought I couldn't be bothered traipsing over the other side of town for it. I did go to Mr Lid and Mr Teco though. Spent a bloody fortune across both 🙈 why is it all the expensive stuff runs out at once like EVOO, loo rolls, shampoo and freezer was empty as well as needing coffee and other bits I don't buy too often. I also bought around £35 worth of Xmas treats including baileys £14 I think it was, in Mr T atm. I took the money from the Xmas fund to pay for that. 
    Hopefully we have enough food to last at least 8/9 days now. 

    DP has officially applied for the new job (the promotion one). He's obviously in the pool for the current job he has so we are hoping by him splitting odds across two he stands a chance of getting one! Promotion would be nice as he's already been doing that job tbh but I think at this point maintaining what he has works too as it means he misses redundancy 🙂.

    I'm absolutely shattered after two days of exercise classes, shopping and lots of walking around on the job yesterday. 😴 I've a nice hot chocolate to drink, a movie on the TV and my feet up. Well deserved couple of hours doing nothing now I think 😊. 

    Another load of CB became ready to cash out so I've sent for that. Neither of today's have hit my account yet but I will send over to EF when it comes. Be lovely to reach £700 by Dec first 😃. 
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £110.77/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
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