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

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Comments

  • Morning all,
    Quick one before work, just because I want to record it somewhere, I had a weird dream last night where everything is chaotic and I was trying to pack someone's house up and had one hour to do it before removals came it was utter chaos. Then an earthquake happened and I was running and scared. I found someone who knew where to go so we ran and found somewhere. Then my sister and my mum were there in the background and my two youngest children were there and they were small again. DD was probably 7 and ds 6. DS was cuddling up to me saying I missed you mummy. 🥰 I was so happy DD was busying herself like she does and gave DS a book to read and he was cuddling into me telling me he loved me, like he used to. Then I realised I was dreaming and woke up. 
    I meditated before bed though and didn't sleep very well again but when I did that was the dream I had.

    Anyway on with getting pack up ready and a big coat on and scarf. I'm taking DP to the train station then parking up before work so I better get a move on. 
    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
  • KajiKita
    KajiKita Posts: 9,224 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Reached my £700 target! Woop 🙌🏻. Next target £750. Up to £717 already. Wonder if I can make it by December 🙂?!
    Awesome 🤩 👏🎊🎉

    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. 
  • Watty1
    Watty1 Posts: 7,697 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fabulous. All goals achieved are wonderful :)
    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 !!
  • Dinner is done, I had a NSD at work 🙌🏻, dishwasher is emptied and refilled but not put on as it's a huge one compared to our old one and isn't even half filled yet. 
    Work was stressful we had some safeguarding issues and low key bullying to sort out. It's tiring when it is the same person each and every week doing it and those in charge do nothing to protect the other students but protect the bully themselves saying, we have a duty to keep them 🤦🏻‍♀️🤦🏻‍♀️🤦🏻‍♀️. Exhausted.
    Glad dinner was leftover spag bol with a tin of chilli kidney beans (lidel do a great one) stirred through and heated with chips on the side...as I've no energy for anything else. 
    To think I'm paid minimum wage for all I do in a day angers me quite a bit and is the sole reason I continually want to quit. As well as all the other people who've quit already this term I should think....if we were paid fairly I think more of us would be happier - and stay. Most of us have degrees of some sort too. And yet, I saw a cleaning job on indeed for a pound more an hour and thought what the hell am I doing. It wasn't near me though nor enough hours but I am on the lookout for anything right now that doesn't make me feel as mentally exhausted as this. 
    Oh and I didn't collect my herb prescription as it was shut, I tried twice during the day. I will probably have to do it Mon now as I'm not in main campus tomorrow. Nevermind, although it what was keeping me going for today... getting a bag of goodies 🤣 (probably not goodies and actually horrible tasting tinctures lol).
    The heel pads I bought have worked quite well today, I wanted some alone time at lunch and decided to traipse over to the big canteen as my foot was holding up ok. I got the last table 🙌🏻 and then was promptly joined by two other staff members without even asking 😭 obviously I wouldn't be rude they're nice people but I was just really needing some downtime. And one of these staff members will black cat you on everything, I was hobbling a little by this point (not as bad as usual though) and she said. Oh that's nothing you wanna see what is wrong with me. And proceeded to spend twenty minutes detailing her ailments 😭. F and off words sprung to mind as I sat there thinking you don't live in my body not know me well how dare you diminish my pain or my feelings or whatever else I say. So rude. And my ears shut to her to be honest and I wasn't sorry either. She was expecting awww and oooos at right points and I carried on eating my lunch 🫣. 
    Picking DP up at 9 ISH so having a bath quickly to heat me up and soothe my foot - I probably need ice on it not heat but I'm freezing.
    Oh we had snow too. But it lasted about forty minutes and then melted. Nothing to write home about.
    And that is me done for the day. Knackered, broken (a bit) and in need of a holiday.
    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
  • beanielou
    beanielou Posts: 97,774 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on target.
    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.
  • Morning all,
    I've been paid! 😄 
    I've ordered a lumie clock that's been sat in my basket for weeks. It's £29.99 reduced. Not sure it's the best one as it's the cheapest in the range but I didn't really want to part with £150+ for the expensive range. I'll see if this helps first. DP and I are waking up utterly exhausted before the day even starts. But then we go to work when it's still relatively dark and don't finish till the sun is going down so it's no wonder.

    It's Friday! Woo...I'm hoping it passes quickly and painlessly. This weekend DP will preparing for his interview so he'll be prepping a presentation I think he said and perhaps speaking with his current boss who's offered to help him prep for it (if he gets it he'll be on the same level as his current boss). 

    Hopefully a nsd at work...I've spent already this morning but I'm wanting to spend precisely zero during my working day if I can help it 😁. 
    Right ....I can do this. 
    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
  • Watty1
    Watty1 Posts: 7,697 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 21 November 2025 at 5:32PM
    Feel down and moan away on here - it is a safe space and we all understand the need for the public mask and the real person, goodness knows I've got that.  Trying to be positive and upbeat when really I would like to hibernate so understand only too well.

    Pain is such a drain, is there anything else you could try?  Five weeks to go to boxing day, so what options could you try?  Physio exercises have helped my pain levels this year, I tried massage, osteopathy, chiropractic and I'd like to find a Bowen person - all over the year.  I think for me what really helped was the physio and a six weekly osteopath.   Sorry, sounding positive when what I really want to say is I get it.  Is there anything that might help?  Hot/cold packs maybe?

    DS just needs pushing aside for now because as much as you love him, that one needs him to reach out too, so just hold the space for now   In time it will happen.

    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 !!
  • beanielou
    beanielou Posts: 97,774 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    If you can manage the pain so it’s not so overwhelming then everything will improve so much. As Watty says there’s nothing you can do at this moment in time about DS so park it as much as you can. Xx
    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.
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