Living the Dream Ludlow style

Frith

I live in the middle of nowhere! I was in Ludlow today, for the charity shops and a cup of tea at Bill's Kitchen. I also walked up the Clee to the golf ball while I was out.

Ludlow is our nearest town and about 15 miles away. 

Singlespeeder

Morning from a damp and fairly cold Ludlow. 
We've made it to the 16th November without yet turning the central heating on.  I will light the log burner this afternoon I think but that's allowed

Been to the cinema a couple of times recent. Ludlow only has the Assembly Rooms but it's a lovely little cinema. We've seen Emily and The Lost King. Emily was ok, with some dumb bits. I'd never realised Emily Bronte only wrote Wuthering Heights ! 
The Lost King was pretty good, Leicester Uni come out of it VERY badly, disgraceful behaviour if that actually occurred.

We've started a family book club as we realised how we're stuck in only reading our preferred genres. We started on Anna Karenina, a tough first choice. I was the only one who finished it. I sort of enjoyed it but feel a heavily abridged version would be better, there's just too much unnecessary padding in it. We've just finished Three Men in a Boat which is genuinely one of the funniest books I've ever read. My mum and sisters  aren't doing too well and suspect they'll give up on the club. You can lead a horse to water, but you can't make your family read challenging books!
I've made a concerted effort to read more of the classics, some of which are imho dreadful.... the worst so far being Catcher in the Rye, and  On the Road isn't much better. However I HAVE found some fantastic reads ... Grapes of Wrath, East of Eden, Road to Wigan Pier are all excellent. Some have had a profound effect on me, made me re-appraise my world view and made me re assess my politics to some degree! I've also really enjoyed The Book of Trespass.

I've finally dug up the last of the spuds. These were just ones that we'd bought but they'd sprouted before we got to eat them so rather than waste them, I planted them. We've had kilos of spuds from them which is a great win! 
I've also got next year's Broad Beans sprouting well. I'll keep an eye on these over the winter.
I could do with a few days of dry weather to tidy the garden a little, but that doesn't look likely in the next couple of weeks.

That's enough for now

Oh yes, I've just calculated our daily mortgage interest is currently £4.60. I'm sure it was £5.50 previously

debtfreeoneday

Great reduction in the daily interest. 

Singlespeeder

Another mortgage payment has gone out I think there's another 42 to go before the end of the current fixed rate runs out, which is when we hope to clear the balance too and be mortgage free !! I'm interested ('scuse the pun) to see if each monthly payment affects the daily interest, it should as there's a modest monthly overpayment too.... will monitor over the next couple of days.
Also pleased to make a solid saving by playing the RAC & AA off against each other.
I'm with the RAC, renewal's come through at £111, 1 vehicle, homestart, roadside and full UK recovery.

The AA did really well, apparently they have a Black Friday 50% off deal on at the moment and offered a lovely £64.50 but only  roadside and recovery, no homestart. Very tempting though.

Back to the RAC .... I've been quoted £64.50 blah blah blah.... 
"We'll do what you have now  (so including homestart) for £79 ... for 15 months not 12."
BOOM !!
Works out to £63.20  for 12 months but includes homestart AND moves it away from Christmas ! Don't have to do anything until March 2024 !  Super pleased as it's effectively a £48 saving !

ALWAYS haggle, never auto renew !

debtfreeoneday

Good saving there!

savingholmes

Fab saving. 

Always nice when the mortgage is reducing too.

Singlespeeder

Frosty start in Ludlow but I'm a happy bunny 'cos I've got my girl staying for a couple of days while she works on her MA I don't see her as much as I'd like so it's always fab when she's here.

On the mortgage interest front, a single £700 mortgage payment , which includes about £140 overpayment reduces the daily interest by 3p ! We're now at £4.57 from £4.60 last month ! Doesn't add up to much but it's aggregated ... compound interest is so hard to get your head around.... but 365 x 3p is £10.95 and we make 12 payments a year so it probably saves £60 or more so worth saving.

Making a veggie Tartiflette tonight, though I couldn't find any Reblochon in Sainsbury's yesterday so Camembert will have to do. Perfect winter warmer. And a good wholesome soup for lunch too. And it's Fake Friday too ... this day just keeps getting better!

debtfreeoneday

It’s little things like that though that always motivate me. Pennies make pounds and its 3p less going to the mortgage company. 

savingholmes

Enjoy time with your girl. 

Well done on the OP.

Singlespeeder

debtfreeoneday said:

It’s little things like that though that always motivate me. Pennies make pounds and its 3p less going to the mortgage company. 

Indeed ! and as we make 12 payments a year and each one saves another 3p a DAY so by the end of the year I'm saving 36p a day it's all good ! 3 days is a £1. It's insidious....you don't 'see' it because its sort of a negative... it's just interest that ISN'T being added so you don't even really notice the saving, but the saving is there

Gadzooks I've not described that well!