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"Isn't it nice to think that tomorrow is a new day with no mistakes in it."

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  • Isn't there a mortgage OP calculator on the main MSE site somewhere? I have a feeling there used to be. 


    Yes the locoblade one here 
    https://forums.moneysavingexpert.com/discussion/1157173/my-excel-mortgage-spreadsheet/p1

    @greenbee you are sounding v productive  and the animals sound happy and settled
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • kazwookie
    kazwookie Posts: 14,225 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    greenbee you need two balls, one for dog, one for cat, problem sorted :)
    Breast Cancer Now 100 miles October 2022 100 / 100miles
    D- Day 80km June 2024 80/80km (10.06.24 all done)
    Diabetic UK 1 million steps July 2024 to complete by end Sept 2024. 1,001,066/ 1,000,000 (20.09.24 all done)
    Breast Cancer Now 100 miles 1st May 2025 (18.05.2025 all done)

    Sun, Sea
  • greenbee
    greenbee Posts: 17,651 Forumite
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    kazwookie said:
    greenbee you need two balls, one for dog, one for cat, problem sorted :)
    And what makes you think the cat would cooperate with that?!
  • greenbee
    greenbee Posts: 17,651 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oil ordered - hoping that what's there lasts until the delivery. Where I was before you could order '500l + top up' and they'd fill the tank, but that was a local firm. I haven't found anyone here that will do that and have to order an exact amount. The tank is so small that I spent a lot of time waiting to be sure that it's below 500l, and then time worrying whether what's left will last. I didn't order before Christmas as I thought the delivery might get complicated (they do 'on or before' and let you know the day before... often just before midnight for a 7am delivery). I've got 300l, which should be fine for 2 weeks, but I'll definitely be lighting the stove and hopefully there will be some cheap electricity between now and then.

    Electricity tonight is down to 7.10p at the lowest - not low enough to be worth using for heating/hot water, but probably worth getting the pet bedding washed before then so I can do a drum clean on the WM overnight and run the dryer. I'll also discharge the battery before then (if I remember/have anything left) to offset some of the cost and recharge the battery at as low a price as possible. It looks like there might be wind Weds/Thurs and Sun Thurs-Sun which should mean some cheaper energy later in the week. 

    I've done a bit of filing/tidying in the office, but do need to decide what to do with a few bits and pieces like old ipads and laptops and an old satnag. I think the first thing to do is to charge them all up and reset/wipe them. Then see whether they are worth anything (probably not as I tend to keep tech for a long time and these have been hanging around for about a year waiting for me to deal with them). 
  • rtandon27
    rtandon27 Posts: 5,518 Forumite
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    Wow GB - I need to go have a lie down after reading that list! - Amazing amount of progress done over this past year!
    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 - 15 YEARS 2 MONTHS LEFT OF 20 YEARS (reduced by 13 mths)
    Psst...I may have started a diary!
  • greenbee
    greenbee Posts: 17,651 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    rtandon27 said:
    Wow GB - I need to go have a lie down after reading that list! - Amazing amount of progress done over this past year!
    I have realised how much I've done this year - although very little of it has been done by me. Just organised me :) 

    I'm sure I could have done more, but there's only so much tolerance I have for trades and their mess in the house. I need recovery time. I'm already not looking forward to the electricians starting on Jan 13th. I'll have to start packing up the rooms they're going to be working in soon and I'm not sure where it's all going to go. 
  • I have to admit that after the last couple of months I have a far better understanding of just how exhausting the constant trade presence (or not) is, and actually it is more tiring than being directly involved in the work.  

  • greenbee
    greenbee Posts: 17,651 Forumite
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    Work on the back fence has started, but is taking time. Half a day on Thursday cutting back clearing stuff (there were tree roots, and branches, and rubble that had been put back there to keep them out of the way), and a full day yesterday clearing and prepping. He's here now barrowing sand to where he will need it. 

    I'm making a start on clearing the rooms that the electricians will be working in, and trying to do it in a way that moves a few more things to their (hopefully) permanent home. So a bookcase from one of the bedrooms is now in the garden room with cookbooks in it, and the books from the bedroom are either in the studio or the bedroom not being cleared. I need to give the cupboard in my bedroom a really good tidy/clearout as quite a bit of stuff can be stored in there (two bedrooms, the bathroom and the airing cupboard need completely clearing, and the hall will need clearing out as much as possible). 

    I've managed to put four pictures up in the sitting room so far - I really need to get more up and off the floor. There are pictures to go up in the spare room and it's ensuite too. And a shelf to source for the ensuite so I can get more stuff back in there. 

    I'm hoping the drain people will be back next week (I'll call them on Monday if I haven't heard anything), and I need to drop the electricians a note about some changes to the plan (don't bother swapping out the LED downlighters in the bathroom for different ones, just put a couple of bulb holders in). And find out when the plumber can fit in changing some radiators, so I can then book the plasterer and carpet fitter. 

    Stinky has a sore paw, so walks are limited, which is probably a good thing as I'm struggling with fatigue at the moment - and it's very cold outside! But it does mean he's bored. However, it looks like the anti-inflammatories he's been given have helped so hopefully it'll be back to normal soon. I need to start leaving him with other people for short periods, and get him a regular dog walker, as at some point he's going to have to have a dog sitter/go and stay with other people when I'm away for work.

    The recent storms have made it clear that the fence between me and the wood needs some urgent maintenance in places. Thankfully the neighbour doing the main fence can do it, and he's happy to repair and maintain, whereas fencing contractors all want to replace a long run of featherboard fence at vast expense!

    Very cold today, as usually happens when I've ordered oil and am waiting for the delivery. I ordered a couple of days after the watchman dropped from 4 bars to 3 (theoretically each one is 100l, in practice it is wildly inaccurate), and really don't want to look at it - the delivery is due 'on or before' the 14th. Hopefully before... in the meantime, we're getting through a few more logs and every agile slot below 6p/kWh has been fully utilised for electric heating. Sadly agile pricing this weekend isn't great, and so far today there's not much solar either (there was lots yesterday, so a fair amount of laundry was done). 

    New bedding for one spare bed was source in the sales. I need a couple more sheets for my non-standard sized beds, so need to check them. And a couple more double duvet covers (but they can wait as I have some, they're just getting a bit threadbare). A new CS box has also been started, and I plan to do some shopping on my next visit - as many old towels as possible for use as dog/cat towels. 

    Guess I should light the fire, take the dog out, and get on with putting things away/putting up pictures. 
  • themadvix
    themadvix Posts: 8,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Might be worth asking on your local Freegle/freecycle/Olio for the pet towels - people often giving old towels away for pets round here and I suspect you’ll pay over the odds at the CS as they won’t try to sell the ‘pet quality’ ones.

    As ever, I’m in awe of how much you get done!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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