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The Hen House Chronicles

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  • Is someone taking the lead in the residents group as it could just be a case of nobody knows who needs to do what. Shame none of your neighbours are a solicitor! 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • MerryHen
    MerryHen Posts: 81 Forumite
    Fourth Anniversary 10 Posts Photogenic Name Dropper
    edited 8 December 2024 at 2:15AM
    @KajiKita re: the church, I think they're quite keen to get rid of the land :) re: midwifery, I feel incredibly privileged to be training as a midwife, but it is very full on with very high expected standards both clinically and academically (understandably because as a midwife you have two lives in your hands!) there is also the added difficulty that the NHS really is quite a hard place to work in at the moment, even as a student 🙁

    @Sarahwithlove one neighbour has taken the lead but I think it is proving difficult to corral every household, it might end up just being a few of us who buy the land. It is a shame none of us are solicitors!

    Tonight I have spent an enjoyable evening wrapping Christmas presents and watching YT vlogs while DH was out at a gig. 

    I'm feeling quite pleased that:

    1. I've managed to get a lot of DH's and the kid's gifts second hand on Vinted and marketplace or on sale. 

    2. I started getting gifts for the kids months ago anytime I saw something I thought they'd like so they're pretty much sorted and it hasn't been stressful at all.

    3. For the past year I have saved £50 a month into a Christmas savings account to spread the cost which I am thanking myself for now. Any presents or Christmas food spends I am transferring from there.

    4. I found a hilarious looking animal fact book called "Bum or Face" for one of my nephews who is quite into animals but who is also four so should appreciate the bum humour. I am actually tempted to get copies for my other nephews, niece, and my own kids 😆

    Adult family are receiving the usual hamper of foody, socky, candley treats 😄 I need to finish assembling them this week so I can post them.

    DD and DS2 both also have birthdays in the New Year, I paid a deposit for DS's second birthday party yesterday and ordered some birthday invitations, I am now thinking I should probably start a birthday savings pot too. DS won't really know what's going on so doesn't really need a party but I thought it'd be a good chance for us to meet some of his nursery friend's parents. DD didn't go to the local nursery and she was a baby/toddler during lockdown so when she started school a lot of other parents seemed to know each other already, so I have decided to step outside my socially awkward comfort zone and try do a bit more parent networking this time around.

    DD has requested her sixth birthday party at the same soft play she's had her last two parties (she's a little creature of habit) and the price has almost doubled since the first party we held there 😭 Again she doesn't need a party but she won't be little for long so it's nice to do it while she still wants to, and like many small businesses kids play places seem to be struggling at the moment so it's probably good to support them. The play centre where we did a lot of baby classes announced last month they're having to close and then another one (where I'd been planning to have DS's party) announced this week that they're also closing due to financial difficulties. I think I will start planting the idea of a smaller party with just a few close friends for her seventh birthday though.

    Anyways, it's late and we're planning to do junior parkrun and get a Christmas tree tomorrow so I should close my eyes and sleep. Night night MSE-ers🌲😴🌲😴🌲



    Mortgage free 13/06/2023 🥳
    8.5 years early saving ~£20,000 in interest.

    Short term goals:
    As of January 2025
    Save emergency fund: £8700/£15,000 (58%)
    Pay personal 🚗 loan: £-190

    Mid term goals:
    Next car fund: £4200/£20,000 (21%)

    Longer term goals:
    Fix up the Hen House 🏠
    Save for retirement 
  • KajiKita
    KajiKita Posts: 7,990 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You are sounding very organised 😊👏
    I hope someone is putting as much thought into what to get you for Christmas 😉

    I’m glad that the course is giving you personal satisfaction. Will you get much of a break over Christmas? 

    Wishing you luck with the land buying (🤞 that your hunch that the church want to sell it quickly is correct) and I hope the junior parkrun and tree choosing are both fun today 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,990 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 8 December 2024 at 5:24PM
    What a sweet little tree ❤️🤩 And how lovely that you get one for your son every year. 

    Sounds to me like your parenting is spot on, if you guided DD to seeing her negative mindset for herself. 👏

    Christmas sounds good with a week off, at least one definite and some treats for yourself - I have bought myself some yarn and a book about granny squares to try (yet again) to master crochet … 😊

    KK 
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 95,884 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Love the wee tree. 
    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.
  • Sounds like things are slowly coming together, pleased you are all going to purchase the land. Midwifery must be so hard, and the NHS is difficult to be in, but I have no doubt it will be worth it! Love the tree for DS1 :heart:
  • Such a cute small tree! 
    Glad you getting time off between Xmas and new year 

    this time next year you will be fully qualified I expect - well worth all your hard work 
    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
  • Thank you for the tree love everyone and your kind comments about parenting @KajiKita 😊

    The news about Vanguard introducing monthly fees has made me need to rethink where I am investing. I have such a small amount invested £4 a month fees is a big chunk of any growth.

    Between working nights and thinking about Christmas though I've not yet had a proper look at the alternatives but will need to set aside some time to figure out what's best to do. It feels like we haven't been given much time to do so though! I hope anyone else using Vanguard isn't too affected. 

    Mortgage free 13/06/2023 🥳
    8.5 years early saving ~£20,000 in interest.

    Short term goals:
    As of January 2025
    Save emergency fund: £8700/£15,000 (58%)
    Pay personal 🚗 loan: £-190

    Mid term goals:
    Next car fund: £4200/£20,000 (21%)

    Longer term goals:
    Fix up the Hen House 🏠
    Save for retirement 
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