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Making chicken feed of my mortgage

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  • :mad: 10 minutes late this morning :mad:

    25 miles at an average speed of 27 mph; however, 12 miles of that was on the dual carriageway at 70+ mph and the rest was at snail's pace :cry:

    I don't envy you trying to get into central Cambridge VH - the outskirts is bad enough...
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • edinburgher
    edinburgher Posts: 13,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    When I went to pick up our new car (rush hour Glasgow), it took me 25 minutes to travel the 1.2 miles to the motorway :eek:
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    edited 22 November 2017 at 9:37AM
    Running on empty this evening :(

    1. Go to the gym a minimum of 20 times before 10 December.
    Yes [13/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    21/23 WW points - took advantage of pulses being point-free now and had a double portion of dhal! [23/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [22/32]
    4. Drink 1.5 L water/day (including weekends).
    Yes, 1.75 L [22/32]
    5. No late nights in November.
    Planning to be in bed by 9.30 pm [23/32]
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    No TV [23/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    No, see earlier post (although I've not been officially late this week and, as I'm having to work all day Friday this week, I'll have worked 37.5+ hours) [13/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    One of the photographed recipes - split pea & cauliflower dhal with stir-fried sprouts [17/32]
    9. No unnecessary spending!
    A NSD. I nearly ordered some personalised Christmas party invitations but I gave myself a talking to, found a template online and made my own :) [15/32]
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • greent
    greent Posts: 10,760 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No clashes :T

    Plans for December include a weekend in Cheltenham, hosting a Christmas party for our lovely neighbours (5 households) and a couple of local gastropub meals with friends :)

    We hadn't thought about a fancy meal in London... until you mentioned it Greying! We're now booked for lunch at a new-to-us Michelin-starred restaurant in Mayfair on 29 December :j

    Presents wrapped - wooden toys from his list and, even though my brother said no more clothes, I couldn't resist this & these when we were in Philly.



    :eek: I hadn't really thought about hampers :eek:

    Ooh - Cheltenham is just up the road from here :)


    Those clothes for your nephew are funky! - love them - especially the hooded cardigan/ jacket! :T:D
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • So it looks like 2017 is going to end like it started... another relative died today, that's the fifth this year and I don't come from a large family :(:(:(

    1. Go to the gym a minimum of 20 times before 10 December.
    No [13/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    21/23 WW points [24/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [23/32]
    4. Drink 1.5 L water/day (including weekends).
    Yes, 1.5 L [23/32]
    5. No late nights in November.
    Planning to be in bed by 10.00 pm [24/32]
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    No TV [24/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    No, late again... [13/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    LOs from yesterday [18/32]
    9. No unnecessary spending!
    Quick trip to Lidl after work to pick up Christmas pudding ingredients. A box of extremely chocolatey biscuits also found there way into my basket... [15/32]

    Sultanas, raisins, currants, dates & prunes now soaking in brandy & cointreau for a couple of days.

    I'm off to Spain on business tomorrow, back Friday evening. I suppose I should think about what to take with me. So far, I have 75 Euros that I found in the odds & sods box and a bag of foreign coins to put in the charity donation box.
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • greent wrote: »
    Ooh - Cheltenham is just up the road from here :)

    Any advice on things to do please? We're going to a travel company discovery day on the Saturday afternoon and the Christmas market but no plans for the Sunday yet.
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So sorry for your loss x
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • apple_muncher
    apple_muncher Posts: 15,237 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    MWC - so sorry it has been such a tough year. Thinking of you x
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • greent
    greent Posts: 10,760 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ahh - sorry to hear of your loss, mwc xx

    Which weekend are you coming to Chelt? (PM me if you don't want the details 'outed') and I'll see if there's anything around. What sort of things do/ don't you like? And will you have a car?
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    edited 25 November 2017 at 10:29AM
    XSpender wrote: »
    So sorry for your loss x
    MWC - so sorry it has been such a tough year. Thinking of you x
    greent wrote: »
    Ahh - sorry to hear of your loss, mwc xx

    Thank you. A paternal aunt, 2 years to the day that another of my dad's sisters died :( Hopefully a trip to visit his grandson tomorrow will cheer my dad up a little.
    greent wrote: »
    Which weekend are you coming to Chelt? (PM me if you don't want the details 'outed') and I'll see if there's anything around. What sort of things do/ don't you like? And will you have a car?
    x

    It's next weekend and yes, we'll have a car. We like walking and we like eating, we don't like shopping! Although, that's not to say that we don't like walking round town centres...

    I only managed to drink plenty of water and stick to the WW plan (with the help of quite a few weekly points yesterday...) for both Thursday and Friday, none of my other goals... 3 coffees yesterday :eek:

    Mr MWC is back from a 4-day business trip to Iceland. He ate well and saw the Northern Lights but has come home with man flu and bruises from a slip on the ice. He's off to Italy for 4 days next week.

    Plans for today:

    Gym - done
    Menu plan & shopping list
    Grocery shopping
    Make Christmas puddings
    Housework
    LEAVES!!!
    Early night as up at the crack of dawn for a day trip to the IOW.
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
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