We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Finally I have a mortgage I can start to pay off!
Comments
-
You'll have to let me know how the recipe turns out Madvix - it's on my list to try too 😋
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living6 -
There really is a bit of deja vu on the lockdown, isn't there madvix. It will be different because we're heading into winter, though, so yes, as you say, get as many good experiences as you can, safely. Including wine
2023: the year I get to buy a car6 -
South_coast said:themadvix said:I need to sort out the wine, which I think has finished fermenting (need to test it).
Thanks for the recipe, might give that a go 😋Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here4 -
South_coast said:themadvix said:I need to sort out the wine, which I think has finished fermenting (need to test it).
Thanks for the recipe, might give that a go 😋Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
Afternoon all,
The courgette and lentil bake was very nice, I'd recommend it. DH doesn't like cinnamon, so I avoided the moussaka-like flavouring (no cinnamon or mint) and we didn't have oregano, so mixed herbs it was. It came out well and because I buy lentils dry and so cooked more than a tin's worth, there's enough left for dinner tonight (I did use two eggs and whole 250g of ricotta) with some salad and pudding.
Had a message left at 5.57pm last night from agents (they close at 6) requesting a viewing at 10 this morning. Fine... then the viewee got caught in traffic and we had to do the viewing and they didn't arrive until 11. Fortunately it was all fine and they seemed very nice (and the house seemed to tick a lot of their boxes). Another one this evening, again, us doing it. If we sell our house, I do wonder what I'll have been paying the agents for!
I'm working again today, but DH has the day off. He's going to cook us a potato salad shortly for lunch, using up some spring onions and peppers from the garden and the last of the salad potatoes from Riverford (it will be good to get that space back in the fridge!). He's already been to the post box with my RM survey item for me
MS things:
* last day of ongoing PA survey - just the final survey (tomorrow) to do and then I should be able to cash out over £40
* NV survey
* Clicks
* Work
Gratitudes:
* Nice couple to view this morning (appreciation of Mini always helps)
* DH is cooking lunch
* Yummy dinner last night
Have a good day all!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway8 -
Morning all,
More 'no, thanks' from yesterday's viewers. Oh well. Worryingly though, the agent is saying the market is a lot quieter now for our sort of property as the banks have withdrawn all the offers for FTB/have increased the deposit required to 20%. Between this and the fact that I think we're now getting priced out of the market as fewer properties of interest to us are coming on the market, we may yet end up staying put. On the one hand, this doesn't bother me hugely, as we've got the house just right; but on the other, the perennial parking issues and lack of garden space (among others) will continue to grate. (And we'll have to keep saving for the Tesla if we don't buy during the stamp duty exemption!) Anyway, for now we continue. Another viewing booked for tomorrow morning. (We did look at calculations for remortgaging and paying off our current house the other day - if we stay put, the mortgage won't be around for that much longer. And then... do we save, buy some land and self-build (see opening post)? Sadly land round here is almost as expensive as a property, but in a few years, who knows, we could move away... oh I'm back in the realm of *all* the possibilities now... and waffling.)
I'm doing some work this morning and then we're heading to the in-laws. We might go for a walk in the woods there, we've got a TGTG bakery bag to collect late afternoon and our friend who lives nearby might pop round for a chat in the road (oh how our socialising is so glamorous these days!). DH has ordered a few bits for some DIY this weekend - a fence panel in the front garden needs replacing and the fence painting. We'd been avoiding doing it as it's a fairly massive task, but the neighbour has replaced his fence, which a) now needs painting on our side and b) is showing up our fence! Also a bit of render needs primering (our friend-plasterer came and did a quick repair last weekend (for free) and he wants to put some more boards in the loft (and check out an iffy tile). So the house being 'finished' didn't last very long!
MS things:
* Ongoing PA survey has now finished, so just waiting for the £36.50 to clear
* Clicks done
* TGTG bag to collectWill do plenty of feeding of us over weekend
Gratitudes:
* Fun quiz time with family last night
* A better night's sleep last night
* Managed to nab a TGTG bag - more options in the in-laws town, so higher chances!
Have a good day all!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway8 -
Lack of garden space is an issue we have hence the allotments. Have you thought about an allotment as an interim measure? Obviously only if your staying put.
CRx5 -
The problem is I think an allotment would be too much for us - both in terms of production and work (DH is not really interested in too much gardening). And I’m inherently lazy - I love it when I get out there, but getting out is the problem, and I think an allotment would be too much of a barrier... Imagine that they all now have huge waiting lists too.
If we stay put, I will stop caring about saleability quite so much and do something with the front garden - raised bed (I will plant my asparagus!), miniature fruit trees etc.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway6 -
asparagus is so worthwhile, its something we've grown at each allotment we've had. We've just extended our bed to accommadate extra. The season is so short and we never have enough to freeze as it always gets eaten pretty quickly.
CRx4 -
Re allotment - you could explore what the lists are like locally and ask about a half-plot. Quite a few people use the no-dig method (weed suppress with newspapers and cardboard then tittle the surface and plant. Potatoes are a great way of achieving a fine tilth in the soil and "cleaning" it. A few trees and things like gooseberries and raspberries are great to just cut down and then pick, minimising the need to do too much
We've just crammed another 10 crowns of asparagus in this (4th) year and it is the first time we have had meals from the first ten (only 7 survived DS digging them all out at the end of Y1) over the whole season. We also discovered that when you stop picking and let the shoots go to seed, the little shoots are delicious before flowering, during and then the berries before cutting them down.
Re possible house sale, I would still draw up a possible plan for permitted development extension to your (I think) small kitchen, and leave it on the kitchen side with instructions to the agent to show prospective buyers with no vision what a kitchen diner could be, exactly to their liking. Doesn't need to be more than an isometric sketch to show how it might lookSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here4
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards