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Tales from The Shire

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  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So glad that the annex if finally as it should be  :)
    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.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Decorating your house for Xmas sounds fun. I am sure there will be loads of home made touches

    Very few actually SH - I mainly make things for others.  But you've made me think and I might plan to make some things for myself next year.

    Fortune x

    I am glad that in most rooms there's something I've personally created. The only exception might be DS's room as he took my art work with him when he left. It gives me a lift when I look at them. I've got chunky cross stitch cushion covers, decorated glass, fused glass, acrylic poured paintings, normal cross stitch stuff plus some of the things the kids have created over the years...

    I have made xmas stuff in the past - like reindeer soap flannels - based on ideas from here etc. I haven't tended to keep any of those.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • So glad to hear about the annexe, and I have no idea what it looks like but in my mind it just sounds cozy from your descriptions.  Good call on delaying the blinds.  We're also locked in now till Christmas apart from DH picking up his new glasses tomorrow and a visit to the supermarket on Sunday.
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • So glad to hear about the annexe, and I have no idea what it looks like but in my mind it just sounds cozy from your descriptions.  Good call on delaying the blinds.  We're also locked in now till Christmas apart from DH picking up his new glasses tomorrow and a visit to the supermarket on Sunday.

    Hi Ruby.  It's feeling far cosier now I've erased all traces of Uncle F 😆

    Mr F has got to go out and pick stuff up that's been ordered (beer, turkey, etc) but will mask up and be in and out quickly.  Whether all eight of us make it to the Christmas dinner table is yet to be seen but we are certainly doing our best to get there.

    Fortune x

  • rtandon27
    rtandon27 Posts: 5,727 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Wow Fortune - your cake decoration is just amazing! Your family will be mightily pleased to have that on the table.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)
    Psst...I may have started a diary!
  • Cheery_Daff
    Cheery_Daff Posts: 17,223 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh, lovely Fortune! How very festive 😊😊
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is awesome.
    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.
  • That looks beautiful Fortune.
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total mortgage overpayments 2017 - 2024 - £8945.62!
  • Your cake looks lovely I thought it would be.Your so clever and talented xx
    2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
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