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Beating Lifestyle Inflation and Staying Mortgage Free!

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  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Spent £25 incl delivery on 72 perennial plug plants to be delivered in March. I am hoping I can get the garden looking better, front of the house and the garage and driveway at the back too.
    Loving this - I do think perennials are really underrated in terms of growing food for humans and pollinators.

    Need to:
    Work out how high the plugs will grow as adult plants and plan so the taller ones are at the back!
    Source free stones/ driftwood for rockery area
    Improve the soil and get rid of stones
    Organise plant pots and source free ones/ recycle (?)
    Get the 'green house' cold frame thing repaired and plant pots ready for planting on plugs
    Check on compost 
    Source free topsoil in the wooded area of our property?
    More environmental loveliness!

    HELP!
    I wondered if anyone can help me. DS1 was passing out, still awaiting tests etc but in the meantime, I'm trying to make him eat and drink more.

    I give them in0cent smoothies for packed lunch £3.50 for 4, 1 of his 5 a day and gets him drinking. He loves them. Try to swap to a cheaper one - he doesn't like l1dl one as much and it appears to be a lot of fruit juice. £1.50 for 4.

    Anyone have either
    - good alternative to in0cent strawberry one?
    - idea on how I could send in my own HM one (but would have to be dispoable or recycleable packaging and he has to eat outside and can't go back in with a water bottle)
    - same for water - any little disposable bottles - that could be recycled?
    No idea on the bottles, sorry, that's not something I've ever wanted, and a quick google has shown me various sizes of stainless steel bottle for re-use, not recycling.

    HM smoothies, though - I stayed with a friend in Margate about 4 years ago who eats **astonishingly** well - she used HM smoothies, for sure, and for thickness she used bananas.  What about overnight soaking of finely milled oats?  Coconut cream?  I have some powdered pea protein to experiment with, but I couldn't tell you if it's a good thickener or not :blush:  

    HTH
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 95,421 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Trays of water from cash & carry.
    Bottles are recyclycled
    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.
  • We make homemade smoothies from frozen lidl fruit (usually strawberries), chopped bananas, honey and either milk with yoghurt or juice to make more of a slushy. Kids love them.

    Love the idea of taking the kids abroad and I often dream about this. OH thinks I'm  crazy too. Not sure my DS would be up for it either, he hates change! I thought about airbnb for the house whilst away which would pay for a very decent trip, but not sure how relaxed I'd be with people staying in my house.
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds an exciting thought - but brave doing it with kids. Well done on the savings and being mortgage free. As you say it gives you options.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Thanks for the advice. I do make smoothies regularly for the kids, and they like them just as much as the in0cent ones, but I just can't get them into school because of the 'throw away the packaging' rule. They are probably not even recycled :( I'm not really happy with this, but with DS1 feeling unwell, passing out and a possibility it is linked to diet/hydration I feel I have to send in something to drink that I know he likes.
    I will do some more googling and beanie's idea of cash and carry might be the best bet. 

    As for living in another country next winter, it's still on the cards at the moment, however I forgot about our wonderful rescue cat. Also as time goes by, we might get more tied here, with ageing parents and maybe a girlfriend or something (for the boys, not OH!) so if we are doing it, I'm all for doing it with kids in the next few years, as you just never know. I could airbnb the house or similar if the person fed the cat, and my neighbour would also help.

    I was walking on the beach yesterday though and thinking to myself, I do love it here. Although it's not warm and I'm not immersed in mediteranian culture and there are only pools of muddy water in my garden, it is still beautiful and I am happy and grateful.

    The kids (11 and 9 now) are keen to try living in another country. It is definitely an option :)


    Save £20,000 in 2025. April 2k, May 3.5k
  • apple_muncher
    apple_muncher Posts: 15,231 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    I'm appalled that the school don't allow used packaging back in the building and it has to be binned. So does a child have to bring the day's supply of water in with them in the morning?!?! What is there stance on being a green school? Or on recycling?
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • I know I've complained. Water bottles are ok for during the lessons, but for lunch, for P7s they have to eat outside as there isn't enough room in the hall for them if on packed lunch. So they run out and eat in a covered lunch area outside, but are not allowed back inside the building so they just have to bin everything that is left. 

    I might try to ask again about changing this - it's been a covid rule.
    Save £20,000 in 2025. April 2k, May 3.5k
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's a disgraceful rule for the school to have - and also why on earth is it just one year groups (I assume?) that are being made to eat outside - surely it should be switched around so all the kids with packed lunches take a turn! In cold weather it must be a sure fire way of ensuring that the poor kids gobble down their lunches at breakneck speed so they can either go indoors or at least run about to keep warm! 

    An idea - could you use small bottles of water at home, then use THOSE to put HM smoothies into for him to take at lunchtimes so you could ensure that what he's taking has slow energy release etc? Smoothies are fab but some of them are shockingly bad for causing blood sugar spikes - not what he needs if he's been passing out anyway! 

    You might point out to the school that if they'd bothered to look, the link between covid transmission and packaging etc was proven to be extremely weak a LONG time ago! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • themadvix
    themadvix Posts: 8,701 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I figured you wouldn't be happy with the school's policy Earthie... it horrifies me too, but it's not the first I've heard of it. I can't think of any better suggestions than anyone else has come up with though.

    I hope you didn't think I meant with the vit D comment that you'd want to escape Scotland - I love Scotland! But I can imagine that the dark days and long nights take their toll in the winter and a bit of Spanish sunshine would be amazing!
    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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