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And so it begins: The Pig Vs The Mortgage

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  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hazelnutty wrote: »
    OMG that sounds heavenly, PP! I do love a staycation. Coffee and time to read the newspapers or go for a walk just feels like such a luxury. Or popping into town and being able to have a good nose around the charity shops. It does you good. Whenever I have those experiences I then say, I must build this kind of destress time into my everyday life but I never seem to manage it. I am getting better at actually taking weekends and holidays (one of many positive influences of OH) but something every day to slow down a sec would be great.

    Hiya Nutty :wave:

    It's great isn't it? I do love going away but often find by the time I'm back home I'm really tired so a few staycations are brilliant for relaxing :)
    Your OH sounds lovely :). Time with your loved ones is always a good investment :):)
    Do you get half term?
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning :wave:

    Feeling very relaxed having slept until 7.15 and then had a coffee and reading in bed:). Dad was a bit tetchy last night but DD came for an hour and we eventually got him settled. Once he was engrossed in a film I got some of my writing assessments marked.
    My planning for the first two weeks back is done and my other assessments are up to date so I'm going to have the easiest half term I've had in years:D
    Today's plans include some exercises classes ( I get unlimited classes for my £24 a month so I might as well take advantage), cutting back some shrubs as they are collecting the green bins tomorrow and I fancy some cooking and am thinking maybe Christmas cakes - we'll see.

    Need to get a wriggle on or I'll be late for my first class!

    Happy Tuesday to you :)

    PP xx
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Evening :wave:

    Failing miserably with keeping my diary up to date:o. Too busy doing very little:rotfl:

    In money news it's pay day tomorrow but my month end isn't officially over until the 28th so I've one more grocery shop and one more car refill to go. The budgets are looking pretty good although I'm unlikely to be under and grocery may be a touch over. I've had a very thrifty holiday taking picnics and coffee out and about, socialising at home with bulk buy wine and freezer batch cooks. In fact, apart from a grocery spend on a large pumpkin for soup, milk and some sweets for my dad it's been a ns holiday. It's also been great, fancy that!


    My 6 days of thrifty staycation have included;

    Two hill walks with picnics using bread and wraps from the freezer and hm scones and cake from stores.
    A more sedate country walk
    Two trail runs through the woods
    A spin class, kettle bells and Pilates using monthly membership
    A cooking day - soup, curry, Christmas cakes and chocolate cake
    Lots of reading
    Several bubble baths
    Lots of sleeping - past 8 o'clock the last two mornings :eek:
    Started each day with coffee in bed:)
    Watched two box sets (one gifted, 1 cs:money:)

    I've had such a nice time and without it putting a dent in my MF plans :)

    Today's small steps to success and wellbeing included;

    Drank enough water

    Went for a run

    Laundry up to date

    Flu jab booked

    Meeting with pensions advisor arranged

    Cheap, healthy eats from cupboards and freezer

    Meal plan and shopping list done.

    Off to catch up on TGBBO before bed:)

    Happy Thursday to you:):)

    PP xx
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning :wave:

    It's so cold :eek: The heating is now on for an hour in the morning and 2.5 hours at night so it feels nice and warm. I've set the thermostat at 18.5 which seems right for us but I've no idea if that's considered miserly or extravagant:p. I'm going to start lighting the woodburner in the mornings on Sat and Sun and the evenings we are all in when it gets colder.

    Today is getting organised for my return to work day. I doubt I'll achieve it all but I do like a list:D

    Roast pumpkin for soup, curry and tagine. Roast seeds for snacks

    Ice birthday cake

    Food shop

    Cheque into current a count

    Fill green bin

    Meet friend for coffee, drop off birthday pressie and some hm jam

    Photos for eBay

    Repair hem on winter coat and belt loop on jeans

    Sort out utility cupboard so I can fit the Christmas cakes in

    Sort out present stash and see what I need for Christmas gifts (hopefully not many as I've got loads:))

    Spin class

    Visit dad

    Repack freezer and do inventory

    Car insurance and recovery renewals or switch to new provider


    Best get cracking :eek::eek:

    PP xx
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What a wonderful description of your staycation! Love it :):):)
    2023: the year I get to buy a car
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning :wave:

    The sun is shining :j.

    I managed a few things off yesterday's rather unrealistically long list, namely;

    Roasted a huge pumpkin but still need to turn it into meals

    Did the food shop for £32.56 so I'm over budget on the month but not by much

    Did car insurance, no saving but at least I know my insurer is the cheapest. They were also bri!liant when I had to make a claim through no fault of my own. I found national breakdown with the same level of cover for £25 rather than the £78 renewal I was offered so I was pleased with that:)

    Did a spin class

    Had coffee and a catch up with a friend and delivered birthday gift.

    Got two stains off the bedroom carpet

    Coloured my roots with 1\2 a HB hair colour (50p:money:) and trimmed my layers - look and feel much better as a result :)

    Iced birthday cake

    Sorted out the utility room cupboard and put the Christmas cakes away until feeding time:). I've no brandy so I'm going to use sherry and hope for the best!

    Visited dad

    Had a nice dinner and catch up with the kids :)

    Today my aim is to ;

    Spend the day with dad

    Make pumpkin 100 ways :rotfl:

    Put mincemeat in the sc so it has a couple of months to mature before I need it

    Pay cheque into the bank

    Finish marking writing assessments

    In money news I've been paid:j. Yesterday included some spends other than grocery as I went to the cs. I got dad some dvds and myself a book, a gorgeous beach cover up and a very posh cheese knife and cake slice and some good quality utensils to replace the last of my not so good ones so £4 spent.

    My October variable spends were;

    Grocery £134.60/£132

    Personal £25.45/£44

    Fuel £106.31/£140

    My only other spends have been some home repairs , car insurance and breakdown which were budgeted, about £20 on gifts including ingredients for hm ones so a pretty good month. I tightened my belt due to a gap in rent but it's actually felt ok as I'm well entrenched in watching my unnecessary spends these days. It took a long time to break spendy habits but goodness am I glad I did. Life's actually significantly better and my finances are much healthier so win/win:). Wish I'd worked that out 30 years ago :rotfl:

    Happy Saturday to you:)

    PP xx
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • Oooh.
    Mincemeat in the slow cooker. Good plan!

    We have whiskey Christmas cakes at ours and I'm starting to feed it this weekend, as soon as I'm home.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Pinky, I've never 'done' a pumpkin before.
    Do I just shove it in the oven to roast whole? Then chop & slice etc?
    Then how do I 'do' the seeds so we can eat those too?

    Many thanks
    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Pinky, I've never 'done' a pumpkin before.
    Do I just shove it in the oven to roast whole? Then chop & slice etc?
    Then how do I 'do' the seeds so we can eat those too?

    Many thanks
    Wish.

    Hiya Wish :wave:

    I chop It into small chunks, leaving the skin on and then season, spray with oil and roast. I then just chuck it in soup,curry tagines etc.

    I wash the seeds and remove any flesh/stringy bits , spray with oil and season with salt and smoked paprika and roast in the oven until they are golden. I then turn the oven off but leave them in overnight with the door closed to dry them out properly otherwise they're a bit chewy. I eat them as a snack, out them in salads or in hm bread:)
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • That's an amazing grocery bill, Pinky! How do you do it?
    Choose kind:)
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