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

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Comments

  • Jessy103
    Jessy103 Posts: 2,685 Forumite
    Ninth Anniversary 1,000 Posts Mortgage-free Glee! Name Dropper
    Sounds like DD needs to tell step-sis to mind her business and then block! You don't need that kind of negativity, especially from people that have no idea what is actually going on. Don't let it get down, you, DP and DD deserve to be happy x
    I've been mortgage free once, so let's do it again!
    Starting balance March 26 £191,274.53
  • skint_spice
    skint_spice Posts: 13,748 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My DS moved in with his GF last year, no fall out or anything and I still see him but he took all his bedroom furniture and it made me sad every time I went in the room. So I bought a bed etc and now it’s a functional room it’s much less upsetting. 
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20


  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Another way would be for dd to respond saying exactly what you said - its going to be in his colours, can be ready for him the minute he comes back but meantime its nice to use the room.  That way he might see the post or hear about the post (which nowadays its likely to be the case) and it reinforces that he is still being taken into account in decisions about the house.   Otherwise the potential reaction is in a knee jerk way that you've all forgotten about him.

    Sometimes people put comments on and its more about them than you.  She's maybe still hurt that she's been forgotten about by her mums boyfriend.  It might be that which was her first thought rather than actually your situation.   You can still be a positive occasional influence in her life even if she's written something you've been upset by just now?

    GLad the room is looking so good, that blue is gorgeous 

    Dxxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'
  • Morning all,
    I'm pushing ahead with the plans, DS was at the forefront of my mind anyway so I know I was not doing it from a selfish place. And I can't control what other people think about anything I do. DD was very upset and I think upon further probing that ex has had a hand in manipulating step sis and her thoughts. He makes throwaway flippant remarks that he knows will hit the spot and the person hearing them becomes his messenger. This has happened before.... @daisy_1571 she's terribly hurt by ex and his thoughtlessness she's said to DD before that he was insensitive and had shut her out. I think it's his attempt at splitting DD and step sis up as they're quite close and often will stand together against him. Divide and conquer and all that. 

    Anyway, it's absolutely freezing here. There is frost on the ground and a distinctive cold chill in the house. So heating is on 🥶.
    Hoping for a quick easy day as I feel achy still, and my back is still hurting, although not as much as the weekend thankfully.  I've cancelled all classes at the gym that I had booked as I don't want to risk hurting myself further. I will try the gym tomorrow on my day off, just for a gentle workout I think to help with mobility more than anything. I also have my appointment booked for the herbal medicine place which I'm looking forward to. It's a free appointment and I just pay for whatever I want to buy (if anything). 

    I'm off, I need another jumper 🥶 and to get some lunch ready. Hoping for another NSD today I'm on a roll with them! 
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Even more important they talk to each other so it doesn't happen again xxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'
  • When is your appointment for your foot? I’m going about my foot Christmas Eve. According to my chiropractor my foot is causing my knee, hip, back and neck issues and I need to be referred to podiatry. The joys of getting older.
    love🐞
    Declutter 1352/ 2026
    £145.56 saved by growing and eating my own 2026
    books read 7 in 2026
    £230 🥳 funpot
    🐞change pot £52.53
  • beanielou
    beanielou Posts: 99,830 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Freezing 🥶 here too. 
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Afternoon all, I have finally warmed up after spending the day cold and a bit wet from being in and out in the rain all day. Cooked DD & myself dinner and cleaned the kitchen. I am trying to do all my chores before my day off so I can actually use the day to do something for myself for once. I always seem to pile up jobs for a Wednesday and then exhaust myself by the end of the day and go straight into a busy Thursday.
    Work was okay, I had the new starter in with me again for the afternoon for training. She didn't really need any guidance though she was alright on her own so that was nice and easy. I used my car park ticket I got free yesterday so parked very close to college and managed to be home by 4.10 even with all the roadworks everywhere. 
    I didn't have a NSD I spent £1.60, so a LSD but not quite nothing. 
    I am on the last two stranger things episodes now before waiting for the new season so will watch another this evening.
    I spoke to DD about step sis and she's not talking to her - I told her not to worry about what everyone is saying, we are decorating it which was long overdue anyway and if DS ever chooses to come back it's ready to move into all we need do is shift some furniture around for him. Honestly, people judging based off of nothing more than their own imagination running away with them gets on my nerves.

    I have done a few surveys, got a nice bonus on one too so have around £15 pending in there. When it is payable i'll pay it across to my EF which I am very close to the £700 target now! I reckon I can make it before the week is out.
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • MeandO
    MeandO Posts: 3,373 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Amazing EF building, DFW321! X
    Mortgage at highest: £132,500 Now: £51,116.06
    Mortgage OP’s: £26,363.96
    OP targets 2026:
    Sub a/c 1: £962.33/£2402.79
    Sub a/c 2 £1479/£1479 ✅
    Sub a/c 3: £1062.15/£1062.15 ✅
    Sub a/c 4: £750/£750 ✅
  • KajiKita
    KajiKita Posts: 10,148 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    MeandO said:
    Amazing EF building, DFW321! X
    Agreed! 👍 It’s come back up real quick 😊👏

    KK
    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 35 books of target 52 in 2026 as @ 24th May. 
    Produce tracker: £119 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. 
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