Kimplus8 needs her mortgage free date!

kimplus8

New thread to begin my mortgage free journey. 

I started my mse journey almost a decade ago on the debt free board feeling like I had a mountain to climb. Here I am debt free except for a mortgage, determined more than ever to have a mortgage free home for me and the kiddos. 

I can wait to buckle up for the ride x

V3cash

Hi, happy new year and welcome.
I have returned to this forum as I start my journey to becoming mortgage free again.
good luck with your journey and it sounds like you have come along way already

beanielou

Happy shiny new diary. 

seventh88

Well done on climbing that mountain and becoming debt free. Here's a toast to your mortgage free journey too!

kimplus8

I am utterly exhausted this week and still not completely over the awful respiratory bug we have been shaking off since Christmas. This whole buying a home is some other level of stress, I've been so short with the kids and impatient and I hate feeling like this. They do saying buying a house is the most stressful thing in the world and I think that is absolutely true. 
So in the spirit of feeling utterly shattered and cranky I have spent this fine Saturday watching pink-fong videos with my toddlers and eating the contents of my fridge like a less funny (albeit slightly slimmer) Bridget jones.
I wanted a treat of champaign to celebrate buying the house but 1. I don't drink alcohol and 2. all the non alcoholic wines taste like vinegar mixed with cheap lemonade.
This evening will be spent meal planning for this coming week, attempting to convince the kids that we are 'all in this together' and that meal planning doesn't have to be boring/yucky/ewww and that eating the contents of our cupboards and fridge without wasting food is good for our bank balances and the environment.
I will likely fail at this task and instead cave in to buying nuggets and chips, as my kids are very fond of a beige plate of food to eat. On that note, does anyone shop in farm foods and know if the nuggets are any good? they seem too cheap to be true.
hope everyone is having a good weekend.
Kim x

V3cash

kimplus8 said:

I am utterly exhausted this week and still not completely over the awful respiratory bug we have been shaking off since Christmas. This whole buying a home is some other level of stress, I've been so short with the kids and impatient and I hate feeling like this. They do saying buying a house is the most stressful thing in the world and I think that is absolutely true. 
So in the spirit of feeling utterly shattered and cranky I have spent this fine Saturday watching pink-fong videos with my toddlers and eating the contents of my fridge like a less funny (albeit slightly slimmer) Bridget jones.
I wanted a treat of champaign to celebrate buying the house but 1. I don't drink alcohol and 2. all the non alcoholic wines taste like vinegar mixed with cheap lemonade.
This evening will be spent meal planning for this coming week, attempting to convince the kids that we are 'all in this together' and that meal planning doesn't have to be boring/yucky/ewww and that eating the contents of our cupboards and fridge without wasting food is good for our bank balances and the environment.
I will likely fail at this task and instead cave in to buying nuggets and chips, as my kids are very fond of a beige plate of food to eat. On that note, does anyone shop in farm foods and know if the nuggets are any good? they seem too cheap to be true.
hope everyone is having a good weekend.
Kim x

I’m currently off work for a month with post viral fatigue as I had two back to back viruses which have been awful, I’m normally a fit active runner so it’s floored me so I feel your pain.
buying a house is one of the most stressful things you will ever do so try and factor in some time for you.
have you thought of doing your own nuggets , you can use stale/ or heels of loaf that no one eats.
for breadcrumbs and coat chicken bits in egg then breadcrumbs, fry in olive oil or air fry if like me you love to air fry.
i also make fish cakes, mashed potato and tuna, coated in breadcrumbs)
much healthier option and you can get kids to help, my daughter loves to cook now as I always involved her.
Not sure about farm foods, do they add water, look on ingredients as they may be mostly water or other things.

kimplus8

I would love to make more food myself and involve the littles too. We always have a bit of bread knocking about that I could whizz in the blender and make our own. What a fab idea, Thankyou. 

I made honey bbq chicken tonight in the slow cooker. I am trying to eat up what we have at the moment so I took some chicken thighs and breasts as I had a few odd bits of each in freezer. Once defrosted I added teriyaki sauce, rice vinegar, honey, pinch sugar, soy sauce, a dash of ketchup and some leafy/ green veggies I had in freezer also. 

It was actually pretty good and the kids have asked me to make it again.
problem is, I literally threw in the ends of the sauce jars and didn’t measure anything so heaven knows if I can recreate it again. Lol
ive managed to get quite a bit on vinted today while kids at school on my day off and I’m having a further cull tomorrow. Car load for the tip tomorrow of broken things and items with bits missing etc. will feel good to clear out a bit more. I’ve just managed to pack my last available box so will get some more from work on Thursday and pack some more over the weekend. 

I still can’t believe we will be moving into our own home soon. It’s so exciting and terrifying all at the same time

kimplus8

I’ve had an exhausting week at work. But I’m glad it has kept my mind off of mortgage things for a bit. Kids are all home this weekend so we have had a good old fake-away for dinner which consisted of leftovers in the freezer, including sweet and sour chicken, chicken tikka, pizza, sausages, Spanish style chicken and rice and more followed up with ice cream on the sofa to watch movies! Wholesome time as a family. 

I am wanting to start my own sourdough so I don’t need to always buy bread but have no idea where I could get a starter dough from. Any ideas people of mse? 

Going to finish clearing the garden tomorrow, trip to the tip with the remains of my flattened shed and click and collect from Tesco for the week, top up fuel in the car for work commute and then chill with the kids until bedtime. The weekend goes too darn fast 😭😭. 

kimplus8

Monday has sure come around fast again!Quiet Week eagerly awaiting an exchange and completion date to move into our new home. 

My guess is that it will be at least April before we are able to move in. 

Packed up lots this weekend, I was also ruthless at decluttering along the way and threw away so much skincare and makeup etc that I won’t use. It is a shame but all the stuff had been partially used but is absolute havoc on my skin so it all needs to go. I did find a half used bag of Epsom salts with lavender so had a nice relaxing bath with those last night. 

I found cleaning items at the back of the airing cupboard and tins of paint that I can use to touch up in our current rental property so I won’t have to buy paint or pay a decorator. 

Just trying to stay busy and patient waiting for the house. 

Plan for this week- 
pack more
working nights, kids are at daddy’s house so I can make the most of sleeping without kids all over me, which I’m pretty sure I will be missing terribly by the end of the week. 

Keep meal planning around what I have in the cupboards and continue to declutter. 

kimplus8

I am still waiting for my mortgage to go through and getting less and less hopeful all the time. I have worked so hard over this last 6/7 years to have a clean credit file, run my bank like clockwork and save my deposit and now I just feel so disheartened by it all. I don't know that there is anything else that I can do to make this happen for me and my family. I feel like everything I have worked so hard to achieve is just useless and they are going to say no. surely after all this time they will just put me out of my misery and let me know either way?
If the mortgage is declined then I am stuck renting, wasting even more money paying off someone else's mortgage rather than my own. It's just so sh*t. I know I'm ranting and I need top stay positive but crikey a girl can get work down after so much. 

kimplus8

Finally had a mortgage accepted by Barclays. Yay!!!
I signed everything yesterday and hope to exchange and complete in next few days. 

I can’t wait to move into a home that is actually mine and the money I pay into it will be going into the house and not just gone on rent.
i have rented now for over 20 years and in that time I could have paid off a house lol
well better to not look back- the best time to start is now and all that. 

Off we go!!