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20/20 Vision (repaying a debt to my home and myself)

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  • beanielou
    beanielou Posts: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    We made it indeed :)
    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.
  • Well done on the walk, returning the clothes and not buying unnecessary food :T.

    I can really notice a shift in your motivation :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ...
    Thanks Mark8. I didn't get the grater. Grater was for potato rosti. I'll be roasting the cauliflower. Although now you mention cauliflower cheese...:)
    Roasted cauliflower is our find of the year. My OH does it for the vegans with a sprinkle of chilli and/or garlic salt - fabulous
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark88man wrote: »
    Roasted cauliflower is our find of the year. My OH does it for the vegans with a sprinkle of chilli and/or garlic salt - fabulous

    Hmmm sounds tasty :)
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • I am going to try one of those sonic thingies but I imagine they will just hold a party and dance to the sonic sound...
    :rotfl: I can't get over the image I have in my head right now!!!

    Sorry about the wasteful day... These things happen and you've bounced back which is what's important :o Veg box sounds like a great idea!

    I bought some gloves recently... Just cheapos from the corner shop. £2 and they keep my hands toasty enough, am sure they won't last for years or anything, but worth it for where I am money-wise at the moment. If you get too nippy it may be an option :o

    Roasted cauliflower sounds yum :cool:
    Total Debt : ?? / ??
  • doingitanyway
    doingitanyway Posts: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done on the walk, returning the clothes and not buying unnecessary food :T.
    I can really notice a shift in your motivation :).
    Hmmm, ended up shopping for food in the end :o
    mark88man wrote: »
    Roasted cauliflower is our find of the year. My OH does it for the vegans with a sprinkle of chilli and/or garlic salt - fabulous
    Love the humble cauli, so versatile and yes gorgeous spiced first :)
    lonelyrat wrote: »
    :rotfl: I can't get over the image I have in my head right now!!!

    Sorry about the wasteful day... These things happen and you've bounced back which is what's important :o Veg box sounds like a great idea!

    I bought some gloves recently... Just cheapos from the corner shop. £2 and they keep my hands toasty enough, am sure they won't last for years or anything, but worth it for where I am money-wise at the moment. If you get too nippy it may be an option :o

    Roasted cauliflower sounds yum :cool:
    You are right. I could buy some cheap gloves and will if I see some cheap enough but hopefully I should be able to get some in the sales. I saw some mittens. I might attach a woollen thread and push trough my armholes so I don't lose them ;)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I couldn’t walk due to icy rain so I drove to the shops. It was good I drove in a way as the fine put me off driving so it was good to get back in the car before it turned into a confidence thing.:o

    So all that not getting any shopping went out the window. :o

    I seemed to arrive at the right time in Mr.S as nabbed some organic chicken pieces reduced from £4.20 to £1.05 so froze those for future. Other bargains too so the freezer is stocked up now.:)

    I didn’t make the fishcakes but I will be making a chicken curry tomorrow

    I still don't have the bleeping grater.

    I didn’t achieve much today, just washing up and cleaning and washing clothes. I really wanted to do a walk but it was just too awful out.

    I’m trying hard not to buy anything as the sales will begin soon but I did buy some thermal socks for £6 today as I don’t have the heating on during the day

    I hope you have had a good day
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • I saw some mittens. I might attach a woollen thread and push trough my armholes so I don't lose them ;)

    My mum used to do that when I was at primary school :rotfl: I must have lost a lot of gloves :rotfl:.

    This is why I like fingerless gloves because I just keep them on, unless I'm in a really hot place, and then I'm less likely to lose them.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • I couldn’t walk due to icy rain so I drove to the shops. It was good I drove in a way as the fine put me off driving so it was good to get back in the car before it turned into a confidence thing.:o

    So all that not getting any shopping went out the window. :o

    I seemed to arrive at the right time in Mr.S as nabbed some organic chicken pieces reduced from £4.20 to £1.05 so froze those for future. Other bargains too so the freezer is stocked up now.:)

    I didn’t make the fishcakes but I will be making a chicken curry tomorrow

    I still don't have the bleeping grater.

    I didn’t achieve much today, just washing up and cleaning and washing clothes. I really wanted to do a walk but it was just too awful out.

    I’m trying hard not to buy anything as the sales will begin soon but I did buy some thermal socks for £6 today as I don’t have the heating on during the day

    I hope you have had a good day

    OMG don't talk to me about freezing rain, it was horrendous here :eek:.

    You sound like you got quite a lot done actually :T.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • My mum used to do that when I was at primary school :rotfl: I must have lost a lot of gloves :rotfl:.

    This is why I like fingerless gloves because I just keep them on, unless I'm in a really hot place, and then I'm less likely to lose them.
    Except mine were fingerless and therefore absolutely no need to take them off :o
    Never mind...
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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