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Simple living in the country - back to basics

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  • I don't Tilly tidy either - I round down the mortgage each month to the 00 at the end to get rid of the small pennies and pounds.  My larger OP will restart next year but those smaller payments have kept it changing for the good.  
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • themadvix
    themadvix Posts: 8,716 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Cash? What’s cash?!
    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


  • KajiKita
    KajiKita Posts: 7,565 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I don't Tilly tidy either - I round down the mortgage each month to the 00 at the end to get rid of the small pennies and pounds.  My larger OP will restart next year but those smaller payments have kept it changing for the good.  
    Ooooh .... good one .... Might not be able to do £00, but could certainly do £0 .....  :)

    Thank you 

    KK 
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 39 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 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. 
  • greent
    greent Posts: 10,751 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've never Tilly Tidied in the traditional sense. One of our joint bank accounts does 'save the change' - rounding up card transactions to the next while £ and transferring that to a different account. I liked round amounts on my mtge account- so would always make sure the interest figure odds at least were op-ed to keep it a round amount - I don't care whether any of the c/acs are round amounts or not 😁😁
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Cheery_Daff
    Cheery_Daff Posts: 17,106 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ha - I never even considered making the mortgage amount a round amount! 

    So. I did get some things done last night, although inevitably not all. Washing machine rust has had two coats of enamel paint now, and will likely need at least another one, maybe two. 

    I've got a split pea dahl in the hay box, although what it will taste like is anyone's guess, as I proper burnt it to the bottom of the pan while I was waiting for the kettle to boil 🙄 Still, waste not want not - at that point the only thing I was adding was water so might as well bung it in and see how it goes. It'll have a few hours as we're off to a little art festival to see a friend who's exhibiting her work. 

    Not much else to report. Happy Wheel was up £13 yesterday, down £12 today, so still in very minus numbers for September 🙄 Most annoying. 

    Timed my shower this morning, down to 4 minutes, including a hair wash. Showers are much quicker since I started using an epilator rather than a razor on my legs 😮😂 still uses energy, but I'm sure not half as much as the shower 😂

    Mr Cheery's hat still isn't finished but it's getting there. 

    Nit been out in the field today yet - I got sidetracked by the washing machine and hay box and now Mr Cheery is up and we're going out in a minute. Will report back later.
  • Cheery_Daff
    Cheery_Daff Posts: 17,106 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ha, nice reframing there greent, well done 😊 I confess I am an epilator convert. My hair is thick and dark and gets stubble after a few hours, which is really annoying. With the epilator it grows back soft, so I can leave it a week or even two 😂 Of course at that point it definitely needs doing 🙄 but hasn't been annoying me being all stubble in the meantime 😂

    Well, today is turning out quite cheerfully, but not really as planned! Went over to see friend at the arts festival - her partner was there too, and one of his friends, and we ended up staying the whole afternoon sitting around chatting. 

    They're going to someone's house for tea, and we contemplated going to a restaurant, before joining them at the pub later... but decided to come home instead - an extra 10 mins drive each way, but worth it, as we've been able to eat my split pea dahl from the haybox and defrosted some of the frozen rice mountain 😁

    Mr Cheery is very keen to go back out later, so I'm trying to have enough loafing time to make me actually feel like going out later 🙄😂

    In the office tomorrow, as I have a 90 min dentist appointment later afternoon (unless it's cancelled for a fourth time, that is!) 🙄
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