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  • in_need_of_direction
    in_need_of_direction Posts: 7,722 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    close enough to the weekend to make no difference. have you tried that bake before?
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • doingitanyway
    doingitanyway Posts: 9,954 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    A well earned bath. Congratulations on the cycling :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    doingitanyway wrote: »
    A well earned bath. Congratulations on the cycling :)

    Indeed :)

    I have a trike but I do not go on it nearly enough.
    Currently I am struggling just to get on it sadly.
    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.
  • takingcontrolatlast
    takingcontrolatlast Posts: 714 Forumite
    :hello:

    All the best wishes for the NY - keep up the cycling :T
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi fortune lovely to see you back. Well done on the cycling! Sounds lovely particularly if you have somewhere local to go and ride that is traffic free (with a cafe too, that sounds just like my kind of place ;))

    Hope 2017 its lovely and kind to you and mr F, wishing you a very happy and prosperous NY. PF.
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    in_need_of_direction wrote: »
    close enough to the weekend to make no difference. have you tried that bake before?

    Hi INOD - I've tried it before but make the cheese sauce differently each time depending on what I have in the fridge that needs using up eg mascarpone, double cream, etc. We quite like the recipe but it's not so good warmed up the next day.
    doingitanyway wrote: »
    A well earned bath. Congratulations on the cycling :)

    It was just what I needed DIA.
    beanielou wrote: »
    Indeed :)

    I have a trike but I do not go on it nearly enough.
    Currently I am struggling just to get on it sadly.

    I'm dreading going back to the gym but am counting just getting there as progress. Baby steps.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    takingcontrolatlast wrote: »
    :hello:

    All the best wishes for the NY - keep up the cycling :T

    Thanks Tcal. I'm hoping to do lots more as the price per ride is quite high at the moment :rotfl:
    PurpleFairy26 wrote: »
    Hi fortune lovely to see you back. Well done on the cycling! Sounds lovely particularly if you have somewhere local to go and ride that is traffic free (with a cafe too, that sounds just like my kind of place ;))

    Hope 2017 its lovely and kind to you and mr F, wishing you a very happy and prosperous NY. PF.

    It's a beautiful park with lots of options for cyclists. No excuse for me to sit at home on my bum now.

    Thanks for the kind wishes Purp - right back atcha.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I have mixed feelings about this year. Mr F and I had some wonderful adventures but there were some lows as well. I think I need to reflect a bit to get some perspective. Also think about goals for 2017 which I'm struggling with. Perhaps they need to be shorter term for the moment.

    Mr F isn't feeling 100% today so we are having a lazy morning. I've given myself a quick manicure, as my Christmas theme was chipped beyond repair, and am now sporting lime green varnish with a silver leaf effect on the tips :eek: It looks very effective if a little unusual. Hey, why be normal when you can fabulous.

    We have a low key New Year celebration planned for this evening which suits us just fine this year. We are staying over at some good friends and have planned snacks to use up the Christmas leftovers, some champagne and board games. Perfect and it gives me the chance to de-clutter four pates, a brioche loaf and some double cream.

    I'm still intending to wear sequins and finery tonight though - I want to greet 2017 in style.

    Happy New Year my friends in the box and may it bring you and yours health, wealth and happiness.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    So I've had a little think and 2016 was a good year for us. We/I:
    • met and exceeded our savings target
    • celebrated a big birthday
    • cruised the Mekong River on an amazing adventure which included lots of 'firsts'
    • visited a World Heritage Centre
    • flew in a helicopter
    • drove a Segway
    • had a short story published
    • lost some friends and made some new ones
    • met our contribution target for DS2's wedding
    • made progress towards our contribution target for DS1's house purchase
    • took tea at the Ritz
    • retired... again
    • increased our income through Mr F's new job
    • had a family Christmas at home for the first time in 5 years
    • bought a pushbike and rode one for only the second time in 38 years

    and had many, many more smaller adventures from trying new things, like candle making, to visiting new places.

    2016 has been an amazing year and I'm cross with myself now that I let it be overshadowed by the unkindness of others. If 2017 turns out to be half as exciting I'll be delighted. I'm going to start planning now :D

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Happy 2017 everyone!

    We had a lovely, low key celebration with our friends and it didn't cost a penny. We made a feast between us from the Christmas leftovers and Mr F and I provided fizz and ale from stores. We talked and played games and talked some more and at the stroke of midnight pulled crackers and poppers leftover from the Christmas table. It was just lovely :beer:

    We stayed over and our friends provided bacon sandwiches (halloumi for me) for breakfast - Mr F was very happy about that because he doesn't get bacon at home :D We could have spent the day with them too but Mr F is feeling very under the weather so we have come home and are recovering in front of a blazing fire with our feet up. It's going to be time for a nanna nap soon :o

    I hope you all had a wonderful start to the year. What did you do with your extra second? I gave Mr F an extra New Year kiss :o

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
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