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22 Foxhole East
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Numbers!
I have just made a little overpayment (£102.86) to the mortgage account to bring it down to £96,500.00 which means a monthly interest of £130.99 which breaks down to a daily interest of £4.22 - another tuppence a day off last month. Can't wait to break into the £3 a day bracket. It seems to be going so slowly at the minute. I just have to keep reminding myself that I have saved £7.5k, and that the kitchen and bathroom will look fab when they are done, and after that I can chuck money at the mortgage every Friday until it is done, while showering in luxury, and cooking in comfort. Whilst putting DS1 through uni the year afterward (shhh, or DH will start hyperventilating).
I have discovered the airbeds and put them in a bag, and they are waiting by the front door. I have packed 4 books - probably not enough - and I am sitting here worrying. I have to pick up DS1 in 2 hours and so I am kind of waiting. I can pack in around 10 minutes flat. I need to buy in food to take though, as they do not have all the products the kids like to eat in the supermarkets over there, and the one's that they do, are much more expensive. Who would have thought T0$$C0 could get away with not having a basics range in Northern Ireland? It just does not exist. That, and it takes the pressure off step-gran going to the supermarket - she can't make it all the way around anymore, even the small/medium size store. She will insist once though, and then be wiped out for the rest of the day. Then get me to take her to 'her' fruit and veg shop which is small, and 12 miles away!! Old people are just weird.
So, going for ultra frugality whilst away, will haunt the ys aisle tonight and tomorrow for picnic stuff for the boat, will pick up a crate of something awful like Rubicon (12cans for £5) as they are going to be on that boat for a long time and will be wanting drinks every 5 minutes once they are bored. However, there is a cinema onboard, so that might take up a little bit of time for them, and plenty of windows to look out. DS1 was the worst sailor ever, he had the wrist bands, the medicine, everything, which just about worked, but he kept deciding he was fine as we came into the harbour, taking the wristbands off, and then hurling everywhere. So after too many traumatic boat journeys - I used to take the superfast ferry as it meant he could spend less time being ill. Then I discovered the night ferry, and he is fine as he was asleep. This time he is staying home with DH, so I wonder if someone else will take over the role. I hope not!
4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******1 -
I believe the A41 is usually very quiet on a Sunday morning, but pretty easy to get along at busier times too. Are you travelling from the Birkenhead docks? The only time we travelled to Dublin from there with our girls, we didn't plan for our girls seasickness. We bought them Quells on board and they slept the whole day
, kind of a result , probably aged 10 and 14 at the time. We did have a comfortable night journey home though , The same day... we had 2 hours in Dublin before returning. My 38th birthday surprize "cruise"
Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20221 -
Always from Birkenhead, to Belfast Port, when we lived in Manchester m-i-l convinced me driving through Wales was really easy and it would be fine, by the time I got home I could barely move my eyes from left to right, I was stuck looking forward, I had had to leave at 5 to get to the boat on time, then was awake with the kids for 3 hours on board, then a 5 hour drive the other side. I would not choose to do that again with 4 kids, ever. So yeah, Birkenhead and night crossings rock my world. When travelling alone with kids, sometimes you have to take the financial hit and do the easier but more expensive way. Otherwise I would not go. But this time I am scuppered. What really annoys me though, and I think it is obscene, is that a cabin is £25 during the daytime sailing and £60 at night. Highway (or Seaway) robbery.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******1 -
DD did one journey without a cabin, went to the cinema, nodded off and woke to find a weirdo stroking her hair and not a crew member in sight. She now sees the value in a cabin.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.2
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:eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:
I suppose perverts need holidays too.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******1 -
I'm going to miss you f0xh0les
Have a good trip - hope you don't get driven completely mad...Not giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=11 -
:eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:
I suppose perverts need holidays too.
sounds like he took his work with him - ewwwwI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
I am back, thank goodness. All done and dusted. Will probably be back over there another 2 times this year, but will fly in and not drive and it will be no longer than 4 days at a time. Unless she goes downhill fast.
So, came home to lots of p/a surveys, so made £16+ this afternoon.
Cleaned and hoovered the house, made cakes and a chilli for supper.
The first night in Ireland I had an explosion inside one of my tooth( the dentist told me), resulting in one of my teeth suddenly going black, which was terrifying. I got home at 11am yesterday, and was in with the dentist and on antibiotics by 3pm. I have an infection in my root canal, and when it exploded it caused blood to flood up inside the tooth causing the blackness, and it should all go away and be fine - hoping! Anyway, on anti-bs for the rest of the week. Hopefully the tooth will realise it is just attention seeking and it will start to behave.
It is raining.
I am fighting the urge to spend money, hence the survey splurge this afternoon, I made enough to buy 4 second hand books, so they should be delivered some time next week. All at £0 cost to me.
Two weeks left of the holidays, we get GCSE results on Thursday, I think the house may start to get a little tense.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******1 -
Welcome back! I missed you.
Hope that the tooth eases up soon, and I am already stressing about the exam results... as I do about this time every single year.Not giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=11 -
Glad you're back safe.
The tooth thing sounds awful, poor you, hope the meds do their stuff.LD 12.25 £1600.00/£0700.00 Fn £274.00 LTFn £525 LLTFn £300
Renewal 25 £500.00/£500.00 InsH 12.25 £600/£600.00 InsP 03.26 £150/£150.00
NPt 12.25 £150.00/£051.50 Ins/TC 02.26 £550/£470.00
YX25 £1500/£0750 FD £3600/£0600
PX25 £1500/£0625 P6m £1200/£0800 PEa £100/£0601
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