Future Proofing my life: Deposit saving then MFW journey in under 13 years

triple_choc_chip

As you seem to enjoy spicy food:  My favourite sprouts are half dipped in marmite, then mixed with walnuts and roasted. Sprouts taste so much better if they haven’t been wet, I just peel and cross them underneath before cooking.

LadyWithAPlan

badmemory said:

Re your breadmaker - I found it helped when I moved it away from any influence from the back door & also did not put anything in it straight from the fridge.  You probably already know this but I didn't.

Oh thanks for the tips - I have not got it yet -  so I didn't know - my sister has one the Panas*nic one and I have tested the GF recipes in it and it produced lovely GF bread   (though the nut and seed mixer bit did not work in the GF recipes)... so I am planning to get the basic one as my family xmas gift.. 
I am a little hungover today and I wish I had one already as some fresh GF bread would go down a treat! I made pancakes instead ... I refuse to pay £3.50/£4 for a small loaf of GF bread now. 

badmemory

Mine is a panasonic.  If it is like mine you can often find something that works, often only going up one menu number will allow "things" to be dropped in just before cooking.  Mine came with an over 50 page booklet, giving recipes & the usual whoops what did I do wrong.  I suspect you don't use yeast but if you do never ever use out of date.  I use OOD stuff all the time but yeast never works well.

Sistergold

Thanks @LadyWithAPlan for the soup recipe which I will try and make! Used to really enjoy weight watchers and it really got me to a good weight some years back and I should try and see if I can just go back to that way of cooking in the new year to get a bit of weight off. 

The trance dance well that sounded a bit strange. Well done on saving despite not being paid. 

I have also been following house prices so far in the areas I am looking I just don’t feel they have grasped the gravity of the economy? I feel they are digging in and refusing to bring the prices down to a realistic level. Will keep checking. 

Have a nice weekend 

badmemory

They will have to bring the prices down just as they had to in the late 80s.  Personal experience - house value down from £125k to £95k, when they stopped giving both mortgage payers tax allowances for that mortgage.  If that hadn't happened I would have been able to buy my current house without a mortgage.  My wish is that every government would do the right thing by ALL their constituents rather than favour the few, but then who on earth would you vote for!

Sistergold

Let’s hope politics will not kick in again @badmemory as feeding the housing market will not help the economy recover I don’t think? Prices which spiralled during covid need to be left to go down or at least not go up.

savingholmes

Well done on the SIPP savings. 

I think for young adults waiting to go on the housing market - they need prices to be more realistic. 

ruby_eskimo

We had some really unrealistic house prices in our road this year - one neighbour put their house on the market for the same price as a new build in a better location up the road.  Then their next door neighbour put there house on the market for £50k less, but their house was still overpriced by at least £100k because of the amount of work that needs doing to it.  Both failed to sell and they had to eventually admit defeat and take them off the market.  In general you can see the prices starting to shift downwards around here now, but not at an alarming rate.  As you say @savingholmes, I feel sorry for people trying to get a foot on the ladder because it's just one hurdle after another.

LadyWithAPlan

triple_choc_chip said:

As you seem to enjoy spicy food:  My favourite sprouts are half dipped in marmite, then mixed with walnuts and roasted. Sprouts taste so much better if they haven’t been wet, I just peel and cross them underneath before cooking.

That may be the most exciting sprout recipe ever!! Thanks. 

Can’t do the marmite as I think it’s not GF but I can definitely dip in something 
I did once fry with hazelnuts .. 

@ruby_eskimo wow yes I guess people get greedy except their new home is also higher .. and all this cash locked in and paid into higher mortgages and their homes mean less in their pensions and savings .. 
So this is why I am pleased @Sistergold inspired me on the DIY classes as it does at least give me a better understanding of work to do on renovations and costs. 

@Sistergold I buy a chicken, and this make a stock every week from autumn to late spring so I always have a soup on the go. 

I used to only make beetroot soup as full of iron but this year I have been branching out from chicken and leek, sweet potato etc etc. Do try that WW soup though it’s very tasty just make sure you have fresh coriander and limes in.

@savingholmes yes my SIPP has been neglected this year with my outstanding invoices as I get cash but not sure when I am being paid next so have put it into EF instead. The markets haven’t moved much though so at least I have invested that much as it collapsed. 

Starting to add now as I like to get any income over BR tax into my SIPP each year 

@badmemory I can’t see a deliberate attempt to bring house prices  down and the govt keeps failing on affordable housing / shocking really. 

I gather London house prices have fallen more than regions and their growth since covid is also much less eg 50% due to people moving out.
I am here in my warm lovely central london rental and I will look in spring but honestly I may just save up more for another year given how reasonable my rent is now.I may be able to be here til 2025 - but I will aim to buy in 2024 if not next year. Just got to get that deposit up. 

my new year first DIY task is to paint gloss and lay new tiles in the kitchen here (they let us do what we want as it will be completely renovated and gutted when we leave)  

I have the tiles (free vinyl black slate effect) so now I need to find a wall colour that is ok - it’s currently a gorgeous pale duck blue egg but that’s not going to go with the light golden brown cupboards and new dark floors. I am not planning to paint the cupboards as they look good. 

I really don’t want to go grey, black or white so need to see if a green will work (or a terracotta I guess) 
I may also try some wall tiling as well for practise! 
Fun NY plans  

KajiKita

How about turquoise for the walls? It's cheerful and it looks good with off white cupboards - that's what we have done in our kitchen.

KK