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Simple living in the country - back to basics
Comments
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HB (again!) lovely - have a cake filled delight of a day!
(And also - so sorry to hear about Budgie, it really had been a tough few weeks on that score hasn't it)🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Happy Birthday!5
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Happy Birthday a trip to the cafe as celebration xx2025 Decluttering 17207⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️5 -
Happy birthday!
Hope you have a lovely day, get spoiled rotten (against all expectations) and have a wonderful year ahead.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Sorry to read of another chicken loss, but happy birthday nontheless!"You won't bloom until you're planted" - Graffiti spotted in Newcastle.
Always try to be nice, but never fail to be kind - Doctor Who
Total mortgage overpayments 2017 - 2024 - £8945.62!5 -
Happy Birthday!My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo5 -
Cheery, I'm glad I'm managing to pop in on your birthday - it really doesn't sound like a good setup, but taking care of your own needs is an excellent idea. And that's a good exit map for chicken owning. It *has* been lovely being a vicarious chicken owner (like with Suffolk Lass and her bees ) but enough is enough.
🍰🍰💐☕☕ tea and cake for you and Mr Cheery, and a bouquet of flowers for you.2023: the year I get to buy a car7 -
Thank you all, both for your kind words about Budgie, and your birthday wishes!
Budgie has been given our usual beaky send off. The others were let out for several hours this afternoon, and despite having the run of pretty much all of Staffordshire, chose to spend most of it in our kitchen 🙄😂 Dont really blame them, it's been cold and drizzly for most of the day.
A mixed bag of a day here, but some cheerful things. Had a nice egg butty in a cafe, pottered round some charity shops, and spent a couple of hours building the next part of my greenhouse staging. It won't win any awards, it's possibly the wonkiest thing I've ever built 😂 But it works, and I now have a lovely wide workbench all down one side of the greenhouse 😊😊😊😊😊 Pulled out pallets that will do for the rest of it too, including my lounging bench 😁 I feel like I have a good plan now, so it might even get finished over the weekend, very exciting!
Nothing else to report. Done a bit of tidying up. Might be going out for tea in a bit.
Just wish it would warm the flip up - I want to sit out on the swing seat with a cup of tea! Hey ho, I'll be able to sit in the greenhouse with a blanket soon I suppose 😂7 -
Happy birthday on your mixed bag of a day - passes some cake 🍰8
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Happy birthday.
Hope you have had lots of cake xxI 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.7
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