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redofromstart

I know @Seasidegal58, my mum and dad used to make rag rugs together yet none of them survived my childhood. Apparently they don't wash very well.

This is more of a pre cut wool tapestry kit with the canvas printed with a pattern, 2 foot by 4 foot.   

Tonights experiment was split peas rather than 'Bigga' peas, no need to pre soak and the end result was a sweeter soup that has gone down well. 

So I don't forget:

Chopped onion sauteed with some grated carrot for a few minutes, litre of stock (one cube ham, one of veg), and 250g of rinsed split peas.  Simmer lid on for an hour, add some frozen peas and give it 10 minutes.  Blitz and add crumbled gammon.

redofromstart

Still breathing...

I could pay another 10% off the mortgage without penalty

I have the cash to do so

its earning more interest in savings than the fixed rate mortgage is charging

it's really bugging me, and I'm laughing at myself. A lovely 'problem' to have.

Sun_Addict

I’m the same my fixed rate mortgage is less interest than my regular savers. Very lucky to be in this position. So glad I fixed the mortgage until it finishes in 2026. Determined it will be gone before then by overpaying. 

greenbee

I'm not OPing mine at the moment as I complete at the end of the month and it'll be paid off - temporarily I hope, as I'm still planning on finding (and completing on) somewhere new before the 180 days to port it are up. I'm not sure whether not OPing is the right option, but I feel the need to have savings. 

KajiKita

redofromstart said:

Still breathing...

I could pay another 10% off the mortgage without penalty

I have the cash to do so

its earning more interest in savings than the fixed rate mortgage is charging

it's really bugging me, and I'm laughing at myself. A lovely 'problem' to have.

What would it do to your mortgage balance? 

Where would it leave your EF?
Are there things around the house that would benefit from some of that 10%?

And yes, a lovely problem to have 😊 I suspect you worked hard to get to it! 😉

KK 

WinterWarrior

The overpayment quandary is lovely. We overpay roughly 10% of the monthly payment each month, but it’s nowhere near 10% of the balance 🤭

redofromstart

When I first started posting here we were at the end of our credit cards, doing famine and feast out of interim income. mrRedo found a solid gig first, which became a solid job. Then me, moving to full time interim and then full time. I still have the odd fit of imposter syndrome.

anyway, we got within weeks of going under and hoping to borrow from the bank of mum and dad ( in my 40s, oh the shame), when everything slowly came good. We stuck stuck to the frugal ways, slowly cleared the cards etc which is why I am on debt free.  We agreed if we ever got to the point where we could clear the mortgage and live on his pension we would. That happened, and my salary is building savings and may fund a new house in the country with land and space for spotty pigs and hens while we sell this place that was the right choice 15 years ago but is not the rest of life house due to motorway noise and developments.  We could clear the mortgage and still have emergency funds  but its earning more in savings

redofromstart

Mr redo took early retirement and his lump sums would clear the mortgage and leave us with a couple of years without my income in bare bones spending but we didn't due to early redemption penalties etc.  so when the dream place comes up we can remortgage quickly against here and then sell and clear the mortgage. There is a  game plan. My contract says anywhere in Wales or England, and my travel is hugely reduced these days. I want spotty pigs and hens and quite possibly goats. debt free supported me (£20  a week cash spend as hex on MFI3 forums before that went) through the journey, and I don't want to move to mortgage free until we find a new adventure. 

I can smell the pigs! Spotty pigs are just gorgeous.

redofromstart

And the spotty pigs would eat all of the vegetables. What's not to like?

redofromstart

The comments elsewhere about veg seed reminded me that the early bird gets the worm etc (we have chaffinches and goldfinches and a pied wagtail!) so I bought peas and French beans in Wilkes, and the village co op had 3 packs for £1.20 which is a great price. They had peas and beans which are usually far more, it'll only be a few seeds I guess but you don't really need a huge pack for your average garden. I need to get my tomatoes, chilli, cucumber, peppers and courgettes in when it warms up a little. The poly tunnel was dark and cold due to the snow on top but I shifted that