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Extending our house without extending ourselves beyond our means
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Good news is that the seeds have germinated and looking good. Will plant them on to bigger pots and look to plants some more for hopefully staggered bearings later!Knitting is continuing with a vengeance... still to master the crochet but trying again this week.Have been teaching the smalls some life skills whilst they are away from school. Yesterday was reading a recipe. Product was fab. Will try a different one tomorrow when they have all been eaten.A financial situation from earlier in the year seems to have been resolved but will be up to 2 weeks for absolute confirmation. It certainly makes me glad my former self found this site and planned.I’ve yet to do the big budget day money shuffle from payday last week but will do it tonight. There has been only a handful of DD out of the account since which I have tracked. Savings will go down now DH income has dropped but sticking with YN AB to manage all areas. It’s so pleasing seeing the age of money go up!5
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Well done for managing your money better. Glad it is paying dividends now. Recipe reading sounds novel - I like it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251 -
Contributed to some help for washing for local homeless people who are in dire need. Haven't been able to donate to FB due to being closed so re directed funds. Project use up continues. Today's efforts:
OOD coffee
travel size cleanser (cut open and finished)
gifted moisturiser
'free' biscuits
reusable nail varnish remover wipes
washed yogurt pots
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Several DD have gone out of bank today so I have updated budget and had another lightbulb moment on how to make YN AB work better for me! So played around with that. Also grateful for a bit of interest on our savings account.Mortgage part 1 moved down to another £ bracket. Be lovely when I can start OP with a vengeance.Managed to finish a sock yesterday and cast on another. Planning on making decent headway with that today. Also a bit of sewing. Want to get some more seeds planted today if I can and do an audit of what seeds I have and what else we might like to sew. Planned leftovers for lunch from the last few days buffet style of:
risotto
pizza
hummus
salad
soup
dinner will be chilli will guacamole (using frozen avocado)
will make ‘pesto’ will remaining coriander leaves for another day.Need to post some things on social media for DH business today too, procrastinating about this a bit and I’m not sure why. Right, no time like the present - off to do that now.4 -
Managed to do the social media things as I did it straight after previous post. Will do some more this week. I’ve still to make that pesto, will put it on today’s list.There will also be lots of time in the garden. I want to wash some winter coats so I can pack away in the loft clean. I know I’ll be appreciative of this next winter when it’s time to get them down. I did all the hats scarfs and gloves yesterday. So when they’re all dry and back off the line, I’ll round them up to a bag together and put them in the loft.Aiming to dig 1m bed today as per foxgloves advice.Yesterday I fixed a pair of DD shorts where the elastic had come out the band (adjustable waist ones) used a big safety pin attached to the elastic to feed it through. Also sewed up a dress of other DD.Had a random delivery of some clothes and bedding I ordered in a sale before lockdown that I had been notified it had been cancelled. I’m not complaining as it is most welcome and stuff I will use (at an excellent price). Need to put away today.We had a most enjoyable walk the last 2 days, even finding somewhere local we’d not come across before. Lovely to find some positives in all of this.4
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Hello I've recently done a crochet course, still only doing granny squares. If you go on you tube and try Bella cocoa she's really good. HTH
L
Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
lucielle said:Hello I've recently done a crochet course, still only doing granny squares. If you go on you tube and try Bella cocoa she's really good. HTH
L3 -
I’ve taken up crochet too.. only granny squares too but yes YT is the best way to learn. Also doing simple knitting. And some yoga
Hope everyone is good at yours xx3 -
Crocheting sounds a soothing way to pass the time. I never quite got the hang of it.
Well done for contributing to the needs of the homeless.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251 -
Crochet practice was good. That website you mentioned was really helpful lucielle . Will try some more today. Next step will be attempting a pattern described as easy which at the moment I’m struggling to decipher 😂
really productive day yesterday. DH spent ages in the garden clearing a couple of bushes that only he can do and it looks loads better. Hoping he’ll be able to clear a bit more of the border today. It looks so much better already. I planted on my seedlings and DD and I planted more seeds. Had to get creative with some of the space/tubs so planted up 3 hanging baskets with seeds too. Will see how they go.Used a variety of leftovers for lunch that everyone ate which was good. Tried something new for tea which the smalls really enjoyed so that will be on the menu again.Today will be more washing and drying of winter coats. A really productive job. Have 2 small repairs to do from hats and coats today.Aiming for one item of the lockdown to do list today. Plus there will be some gardening and crafting with the smalls and our daily walk which we are thoroughly enjoying.Right off to check the banking and get in with the day.4
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