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Breaking Through, Travelling On
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Lots going on in the garden, Kc - I often think of your '15 minutes' which prompts me to spend a bit of time in mine (usually less than 15, though! - grabbing weeds as I walk by, etc
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xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
I think the 15 minute rule works so well for so many thingsI 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.0 -
If my garden was okay at the start, greent, 15 minutes would be fine - I'm hoping I'll have it at that stage again by this summer
I'm glad it speaks to you, though, and I really, really want to get back to it!
Get back to it from all this finance stuff:
- did the banking bits, paid a cc, moved money so I can pay into a pension.
- HMRC - after another email, and a conversation in which I seemed to describe my birthmarks, the security questions were so detailed, I got access to my account! The point of which was to check on whether my NI Class Twos were included in the payment I made at the end of January 2017, and they werejob done.
- Paypal - this is a fun one. I accepted the little dollar amount I sent to myself, and found out I could accept it in sterling! Result - $3.52 becomes £3.02, no charges, which is brilliant. So next month, I'll do that in reverse - send the still existing $6.65 to my other account, accept it in sterling, and then use it on something I want from ebay, say. Must check the now-empty paypal account has sterling on it as the primary currency, job done!
- turned out I'd done the paperwork to open the tiny little ISA and it had been accepted by the firm. Just looked at the paperwork that arrived, and there's nothing else to do. I can't tell you how pleased I am at that!
I think its time to alter my Mega List :T
One little problem, though - I need to make a payment to the dratted management company in France, and they've changed banks themselves, which means I need to alter my equivalent of my direct debit to them. Sigh ... never mind, its just emails and printed forms sent as email attachments. It'll happen
Off out for a very quick walk, now, get the sun in my face, as my supermarket delivery is due in less than an hour.Save2023: the year I get to buy a car0 -
Hope you get the cluster fly thing sorted (it sounds grim!)Must use my stash up!0
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Amazing little jiggle with the Paypal dollars0
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Glad its all going well, that is a mega list! I know what you mean about clearing the decks before embarking on your next project. Hope you enjoyed the sunshine.15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j
Progress not Perfection0 -
Re the garden, not sure you caught the recent series of Big Dreams Small Spaces with Monty but that had a really diverse range of projects. The one that (to me) felt most relevant for most people was a guy who, having had some struggles, got an allotment on a whim and was overwhelmed by the task of sorting it even though he loved being there.
The advice was to pick a small area and do it well. I am sure you know thisbut I have been like you in the past and tried to do too much and got disheartened when it didn't come together. I now focus on one project (such as decimating brambles or weeding a bed) before I even consider the next plan.
A good tip I was told - if you have a patch that needs improving dump a load of compost on it in autumn and let the worms and weather do the hard work of mixing it in. It works pretty well and my beds are no dig now
Although if the weather there is like it is here today it will be a paperwork day!0 -
Love the 15 minute thing - I know for you it was 15 mins and stop KC, but I find that if I start something with the attitude that I only have to do it for 15 mins, I get into it and carry on afterwards.
Your garden sounds like it will be super productive this year!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 Hemingway0 -
:kisses3:Aw, thank you Suffolk lass! What a nice thing to say.
Growing *this* year. Yes, I want to.
Already growing edible plants: bay (a bit pot-bound), raspberries, rose, lemon balm, chives, oregano, salad burnet, sage (this plant isn't very well, no sage to eat this year, I don't think), rhubarb, sorrel, blackcurrants, rosemary, lavender, garlic, wild garlic, quince, winter savory (also ill, because its been submerged by weeds), a couple of blueberry plants that were planted in the wrong place and I'll either give up on them (because of soil type) or move (to get a sunnier position for them).
Other things are growing, but those are the edible ones.
To plant this year: chives, which I'll buy from a flower stand in the next town, to get them growing well this year directly in the soil, and the seeds I just bought from realseeds: nasturtium, marigold, lettuce, courgettes, and bread poppy (where the seeds don't fly away like ordinary poppies). Those will be planted into the gro bags I'll be standing on the cardboard by the fence that needs some retaining support. I'll grow some basil in the house, from a supermarket pot, and that will be that!
Mustn't, mustn't, buy anything else, I'm usually far too ambitious about what I can plant
Going to pop over to your diary to check out your gardening :j
Eek! I'd better start posting about gardening then! Impressive list, BTW!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 here0 -
Darpett - so true, about the little space thats done well. Its taken me a while to take that on board
but I have now
Madvix - yes, originally it was just 15 mins and stop, but nowadays when I get going I do between 90 mins and 2 hours. I'll be doing very little today, all that finance stuff yesterday tired me outI'll just let some of the cardboard get wet and then lay it in place, holding it down with some bricks for now.
Knit_Witch wrote: »Hope you get the cluster fly thing sorted (it sounds grim!)EatingTheElephant wrote: »Amazing little jiggle with the Paypal dollarsGlad its all going well, that is a mega list! I know what you mean about clearing the decks before embarking on your next project. Hope you enjoyed the sunshine.Thats a good phrase to summarise what I'm doing, clearing the decks - that's definitely where I am, thanks for that! Just trying a few little bits (and refraining from taking up offers in Martin's newsletter today, unless they're already on my list) and I'll do a catchup later
Thanks for posting all!2023: the year I get to buy a car0
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