2020 - 'Nothing in your life will change until you make the decision to change'

NeverendingDMP

Sounds like you have a nice Christmas planned. Have a lovely time x

Kitten868

Ugh sorting out the kids clothes. At least it becomes less frequent the older they get. I need to sort out kids shoes. I am struggling though without being able to pass things on. Don't like to bin it but the bags of sorted through things does get a bit much. 
I agree that more stuff does seem to mean more dust. Defies logic but there you are. It is a good time for a household cull. 
Glad to see your PAD energy returning and I definitely wouldn't have any concerns regarding your mortgage. You've been brave and its paid off all these years with a very low rate xxx

beanielou

Enjoy your break 

jwil

NeverendingDMP said:

Sounds like you have a nice Christmas planned. Have a lovely time x

Thank you, you too

Kitten868 said:

Ugh sorting out the kids clothes. At least it becomes less frequent the older they get. I need to sort out kids shoes. I am struggling though without being able to pass things on. Don't like to bin it but the bags of sorted through things does get a bit much. 
I agree that more stuff does seem to mean more dust. Defies logic but there you are. It is a good time for a household cull. 
Glad to see your PAD energy returning and I definitely wouldn't have any concerns regarding your mortgage. You've been brave and its paid off all these years with a very low rate xxx

It's neverending isn't it.  They always seem to have grown out of stuff.  It's definitely less frequent with little jwil though.  We've got clothing banks at school which are used for fundraising, so I've started dropping stuff off there now.  We can't access them now obviously, but if I get too fed up with it all, then there's one in the car park next to the nursery we used to use so we can drop them there. So we've still got options even if we can't drop them to charity.  The link I put on the other day is also handy for posting better stuff too.

When we first got the mortgage we were paying 5% or more, and we're earning more now, so I'm comfortable we can handle the varyiable payments at the moment, and when I look at deals, we'd be adding an extra £1k or so in fees, for not that much of a lower rate.  I'm happy for now with it and loving the very low rates!

beanielou said:

Enjoy your break 

Thank you

jwil

DH took the kids to the beach today and they met up with their Uncle.  They had lots of fun, and luckily it stayed dry for them.  I had a few hours to myself which was lovely   I just pottered about and watched a bit of tv.  I watched White Christmas today - I've never seen it before!

I had a doorstep visit from a friend who was dropping off some pressies.  That was nice too.

I'm sorry for everyone who's had their Christmas plans disrupted, it must be so hard.  I don't envy the government having to deal with this situation but they do seem to be winging it a bit.  Everything always seems to be done at the last minute after weeks of warnings!  It's just so unfair on everyone!  

DH has heard from his work today saying he won't be back before Christmas, and who knows when after.  We'll enjoy the fact that we get to spend the time all together for a change.

Little miss had her swimming lesson this morning.  They are on two weeks break now.  I do wonder if they will be going back in January!

jwil

We were in Tesco before 7am this morning, and have been to the farm shop to collect our joint, so that's us all done now!
I am about to tidy around, hoover, clean the bathroom and kitchen and then just chill

It's been so nice having a relaxed few days off, we haven't been doing a lot.  I do have some listings I want to do for DH but that hopefully won't take too long.  We have some bids on the relists, so that's all good too

I have been continuing with my PADs as well.  So far this month, that's £28 to the mortgage that I wouldn't have paid otherwise, and I haven't noticed it trickling out.  It soon adds up!  The savings account is just getting the pennies, so not going up as quickly, but that's still increasing too.

Hope everyone is well

retiredandskint

Well done on getting your all your shopping done and having time to do nothing.  PADs to mortgage look impressive.

I'm spending the whole of the holiday season on my own.  My choice but friends and neighbours have rallied round and made sure I have plenty of Christmas goodies.  My ex next door neighbour is bringing me Christmas dinner.  The help and generosity I've received since August has been overwhelming.  More importantly it's allowed me to self isolate and keep infection free.

Hope you and all the jwils have a good and peaceful Christmas and that 2021 is an even better year 🎄🎄

jwil

retiredandskint said:

Well done on getting your all your shopping done and having time to do nothing.  PADs to mortgage look impressive.

I'm spending the whole of the holiday season on my own.  My choice but friends and neighbours have rallied round and made sure I have plenty of Christmas goodies.  My ex next door neighbour is bringing me Christmas dinner.  The help and generosity I've received since August has been overwhelming.  More importantly it's allowed me to self isolate and keep infection free.

Hope you and all the jwils have a good and peaceful Christmas and that 2021 is an even better year 🎄🎄

Thank you   That's so lovely that your friends and neighbours are looking out for you, and how lovely to get a Christmas dinner!  I'm glad you are keeping infection free - how is the treatment going?

I hope 2021 is a better year for us all.  Have a lovely, if quiet, Christmas

beanielou

retiredandskint said:

Well done on getting your all your shopping done and having time to do nothing.  PADs to mortgage look impressive.

I'm spending the whole of the holiday season on my own.  My choice but friends and neighbours have rallied round and made sure I have plenty of Christmas goodies.  My ex next door neighbour is bringing me Christmas dinner.  The help and generosity I've received since August has been overwhelming.  More importantly it's allowed me to self isolate and keep infection free.

Hope you and all the jwils have a good and peaceful Christmas and that 2021 is an even better year 🎄🎄

Take care & enjoy.

jwil

Happy Christmas eve everyone!  I have two very excited children here.

We are heading out this morning for a walk and to feed the ducks.  It's meant to be a lovely sunny day today.  Hopefully that will burn off some excess energy.

We are in Tier 3 as of Boxing day.  Not a surprise really.  It means we won't be able to do our traditional New Year's Day visit to Exmouth, but we can still visit the coast here, so it's not a big deal, it's just a nice way to start the new year.  That will likely mean that DH is off as long as we are in this tier at least.

So sorry if anyone has been affected by flooding.  What a blooming year this has been.  I'm sure nearly everyone will be glad to see the back of it!

I've done my PADs for the day, and still have the listings to do.  We are selling a few things so that's good.