Prosperous soul embraces creativity & mortgage neutrality

mark55man

Not sure I would take a loan out to OP mortgage - I would suspect you would lose out, ad would still be an affordability issue.  Unless the saving by crossing into a lower LTV was really significant and I'm not sure how that would play out  

savingholmes

Hi @mark55man - Getting a loan was only in the context of current ERCs - this year 10%, next year 8%, year after 6%, year after 4% and year after 2%.... and would only apply if I downsized not if I just ported to a similar sized mortgage. Not in a position to do that right now. So only looking at different scenarios. Don't worry - not about to do it.

I have now mowed the lawn. I have cleared a path into my shed and put some of what I plan to keep tomato food etc plant grow food etc into my wire basket drawers. I've binned a few things that are definitely past their use by date... 

I'm going to nip to Mr A and get some yoghurt... Will try not to buy other stuff. Wish me luck!

savingholmes

I ate 2 portions of the veggie pasta today and far too much cake. I have 2 portions of the pasta left in the fridge and another in the freezer. I've also had banana, apple, grapes and plums.

The Mr A bill came to £14.88 - but used another £2 voucher from the new rewards pot system. (used a £1 a few days ago). That took the bill to £12.88. Value of other offers £3.40.

10 x mullers for £4 (ptherwise 60p each - 70 p each elsewhere)
2 x grapes for £2 (otherwise £1.20 each)
2 x cheese for £4 (otherwise £2.50 each)
2.5kg potatoes for 99p
2 x semi skimmed milk 4 pts for £1.45 each (£2.90)
citrus £1 (but will get 30p put into rewards pot as starred item)

When I came to use DD's strawberries unfortunately they'd gone off so binned them. I used her raspberries (27/8 use by date!), with some of my garden plums, some frozen fruit and some grapes - and 4 yoghurts to make 3 lots of overnight oats. I binned the choco balls as they feel like a waste of calories to me. I'm hoping this might help with my current sweet cravings.

I plan to make some Cajun chicken and some casserole chicken tomorrow.

• I love melted red Leicester cheese on the cajun chicken mix. For that I'll use onions, mushrooms, peppers, potatoes, chicken, frozen sweetcorn, tinned tomatoes, cajun spices, garlic. I may even throw in some carrots.
• For the chicken casserole - I'll use potatoes, onions, carrots and see what else I have plus chicken stock cubes. I may not use mushrooms as sometimes it can make it go off quicker. I'll cook it 'open' in the oven so it effectively roasts the thinly sliced (unpeeled) potatoes.

I will make mushroom soup - possibly with the leek I bought for extra flavour and some onion. I imagine the reciple will use milk but not looked it up yet.

Hope you are having a good weekend. Someone on our estate is having a noisy party. Hope it doesn't go on long!

WelshKitty85

The Cajun chicken sounds delicious. Happy weekend x

beanielou

Great progress from the handyman.

Blimey, if they had given me the money it would be long gone with no liklihood of any repayment any time soon if at all.
How very unfair 

Baileys_Babe

Would the larger 500g or 1 kg pots of yoghurt work out cheaper?

Moneyfordreams

Blimey, your diary is a fast mover  Well done on your health improvement, little and often better choices all around really. Your chat about pensions always encourages me to think of mine and what scenario I could take.  

savingholmes

Thanks @WelshKitty85 Beanie, @Baileys_Babe and @Moneyfordreams

WK - Looking forward to the chicken too. Had some porridge and edam since I posted... So definitely not the best calorie day - but I've not been eating enough protein so need to fix that.

BB - Different type of yoghurt would be cheaper - but I get fixated on certain tastes so now only that brand and flavour will do. Unfortunate from an MSE perspective. I have tried others but end up binning them.

Beanie - yes - thankfully (maybe) I'd been trying to save - I almost wish I'd put it straight into my pension instead so I could have said no with a clear conscience! 

MFD - definitely focus on pensions - income for life potentially... whereas MF however nice - ties up your £ and doesn't provide an income. It's a balance between the two that's for sure.

Grateful for rising pension and home equity. Grateful for new FF that arrives next week. Grateful I get some peace at home alone for a few days... (other than the cat).

Unpacked and packed the dishwasher so there's something to cook with tomorrow!

Blackcats

Really good progress on your health and well-being.  You deserve to update your lose weight and get fit part of your signature from "started" to "progress being made" or something that better reflects your progress. 

Like others I'd give the "gift" back.  I don't like feeling beholden to someone and particularly if their interpretation of a gift was different to mine.  It might be cutting off my nose to spite my face but I'd rather neutralise any inbalance of power over me.

badmemory

I agree.  I'd be asking myself when is a gift not a gift.