📨 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!

TallGirl seeks new financial freedom & hope to loose a few pounds on the way.

Options
1679111243

Comments

  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wow within 1 hour of meeting putting on freegle that I have plants that can be collected I have 4 interested 1 which is coming tomorrow. I also have someone who wants the patio slabs that is cool I love to recycle things.

    DH is back from work he loves the new planters it was quite funny as I rang him and asked how many I should buy and he said at least 3 2 square and 1 round which is exactly what I had already put in my trolley. Its nice that we are so similar on things like that.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • Weronika
    Weronika Posts: 260 Forumite
    When my mum came over 2 years ago (for the birth of my first monkey) she looked around various gardening shops and didn't bought anything as she said prices were outrageous, but than she went to our local Aldi and each day I could see from my window more and more plants being planted (I was stuck in bed for around 3 weeks after first one;( )
    So yes, Aldi is definitely good bet for things like that!
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 2 March 2012 at 12:05PM
    Morning more spending and more money saving.
    Posted on Freegle that I had plants to a good home if someone would dig them up got loads of replies got one coming at 12 noon to dig some up and then will see what's left for the others. Glad I did that less waste and to be honest we got most of it free so nice to recycle it. Also found on Freegle someone looking for paving slabs she is coming on Monday to dig hers out. Again less waste and less for the builders to do.

    Just spent £42 on 18 weeks worth of slug treatment for the garden we are so plagued with the big ones and using pellets looks so horrid with veg. Had to buy the water dispenser but hope I can use it with normal feed as well as I needed a new one of them. Got 8% cashback and only paid £2 delivery as its being delivered every 6 weeks. Expensive but slugs are nasty but these are worms that eat them instead of poison better for the cats too.

    Also spent £11 on Acid soil for the blueberry and some chicken manure pellets which will be delivered to my local Wilkinson so no delivery charge.

    Got the annual bill for the golf club was £1600 last year £1900 this year if we sign up for 3 years. I have not played since August and DH god knows when he last played. Time to get back into it soo expensive otherwise.

    As we now have to pay £5k for the garden and we only have £4000 in the joint account and dont want to empty it totally we are each paying £1k from our own accounts and then £3k from the joint one. Then I have succssfully applied for a Tesco card for DH its got 15 months interest free and a limit of £3500 and we get Tesco points so that will cover that nicely and help pay months. The golfclub charge silly money to pay monthly. Also Halifax have given us the £5 reward already that is so nice to see that come in.

    Zopa is ticking along have got about 30p total earnings so far and the next £100 is in there being lend out. Seems you get higher rates if you lend out towards the end of the month so will not lower mine now will wait and see until I get someone apply.

    Should get my £1 for 3 issues garden magazine very shortly already tracked in Quidco and loads more so currently have a £11 payout this month which will now go into our holiday account. That has £500 in it so can always get raided if needs be.

    Working from home today but cannot do pilates as the chap is coming at 12, still I have already been twice this week and my legs hurt from Pump.

    In Bristol next week needs to book some hotels so that might be more cashback unless Premier Inn do their promotion again.

    Need to post the final Ebay item (other one still not paid so will have to do something about that).
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Quidco cashback earned for this week only

    Hotels £10.07 (work)
    Garden stuff £12.77
    Present for Niece & nephew 40p

    My fruit trees have just turned up but no pots typical now I am a bit stuck until they turn up. Look nice and big though and I got the manure too.
    Chap from Freegle not here yet (got to 12.30) seems a shame if he doesnt come as so many people want them.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • Intrigued by Zopa... I googled to find their site. How long have you been lending? Would you reccommend?
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • Sepa74
    Sepa74 Posts: 962 Forumite
    The nematodes are fine it it's just slugs that eat up your garden. I have huge numbers of both slugs and snails in mine, and the snails are just as destructive as the slugs, but not affected by the nematodes.

    I've found this product is the ticket - http://www.crocus.co.uk/product/_/tools/pest-control/organic-slug-killer/classid.2000008701/

    It's iron based pellets, and perfectly fine for cats and dogs and children, and very effective against both slugs and snails. It's pretty economical too.

    The pellets are a bright acqua colour, so are pretty obvious, and they go mouldy if I put them on my pots (but I don't care as otherwise I wouldn't have any plants in the pots!!).
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi TG, I've not been around for a little while so just been catching up on your thread and wow you've been busy :D

    Your garden is really coming on after all your hard work and I really like the photos of the garden rattan items you have your eye on

    I was lol'ing at you going into Aldi thinking it was Lidl's, I did something similiar a long time ago as I had been in a shop for the first time and bought some yogurts which were fab, I then went back a couple of weeks later for more and had myself and an assistant driven mad looking for the yogurts which could not be found. It wasn't till I left the shop I realised the one I should have been in (and sold the yoghurts!) was two shops down and I was in the wrong place :rotfl:

    Do you get to Bristol often? I used to work there a lot but not so much of recent times though have been there this year. I like Bristol and feel quite at home there

    Regards
    ATT
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ATT Bristol is really nice and I have made some good friends which I am seeing this time. Also going out to Westonsupermare.

    Zepa74 thanks for the reassurance I'm fine with the pellets just find they look horrid among the veg beds and you get all the dead slugs too. Yuk as we have so many hope this will make it look nice and avoid all the slime.

    MoneySavingNovice Zopa is a new thing I put £100 a month in and have £300 in there. I have paid off our mortgage and thought it would work like a kind of savings account you cannot touch. So far everyone had paid on time and as you are only lending £10 to each it's not bad. I also like the factit might stop someone from getting out a horrid payday load. The lowest rate I have lent out at is 5.9% so a lot better than the banks. For more risk you can lend out at 9.7 or so. It tells you the default rates rtc. Only problem is min term is 3 years so you won't get it back quickly unless someone buys the loan off you.

    Well the garden is now a bit of a mess, fence is coming along nicely but we got the less nice side as I forgot to tell them and we were out when they did it. Still it looks fab and net door has already paid up. They have also dug out for the new patio but left the old on in for now. It looks quite small so will have to have another look when the patio is clear.

    Took 1 picture but will take some more tomorrow and upload them.

    Spends loads in Sainsburrys or actually DH did mainly booze and he did not use his cash back credit card. Went to Lidl DH hated it but I got the bits I wanted so happy about that.

    We then went to the Wessex cat show but it was not open to the public for 1 hour so had to go to the pub. Nice it's was too had a cheapo lunch and then saw loads of lovely cats. We had never seen Norwegian Forrest cats nor Bengals they we lovely those markings on the Bengals are something else. Found some applaws cat food 50p a can instead of 75p a can so nice saving.

    Back home chilling while they worked and then when they left I did a bit removing a load more ivy. Got a lot out now need to go around the other side to spray that ivy. It belongs to next door but it's across the drive form then and it's a funny small wasted space so they won't mind I spray it. Need to keep on top of it.

    Forgot to say last night we got rid of a load of plant to some free goers and one is collecting the slabs on Monday.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    What a horrid day rain and rain most of the day so the garden did not get on as well as they had hoped as they could not bring the crew in to dig. Still the fence is almost finished and I am pleased with it. Also managed to get to Zumba and when they left I tackled some more ivy and gave roundup to the stuff over the fence I cannot get to.

    This I am winning that battle.

    431361_3484875486398_1406718685_3536436_882922675_n.jpg
    Here they have just got the old fence down

    431185_3484877646452_1406718685_3536441_281187592_n.jpgMuch nicer
    432305_3484880006511_1406718685_3536446_122838601_n.jpg
    Before
    432032_3484882166565_1406718685_3536449_428065772_n.jpg
    and after
    421033_3484881806556_2104954299_n.jpg
    Nearly done
    Next step is the deck which they start on Wednesday then they will dig out the border and then Saturday we start the patio. I am not quite sure how its going to look not like they have dug out that is horrid. Will need to lay the slabs and then see how the pattern is going to look. Want a minimalist look with straight lines.

    Planted my fruit bushes in a big pot and got some seeds going. Now I am going to cook dinner and chill out. Also listed my plants so far on a spreadsheet. Did buy a garden app but what rubbish not worth the £1.49.

    Hope you have all had a nice Sunday. No looking forward to next week going to be busy but in a way nice to get back on the road.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • Weronika
    Weronika Posts: 260 Forumite
    Wow, the new fence makes a big difference already:T Soon you are going to have a garden featured on a cover of the gardening magazine:D
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
This discussion has been closed.
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
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K 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.