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Simple living in the country - back to basics
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Sounds like you’ve got quite a bit on your plate atm. Hoping today is more cheerful for you and at least you have tea now! 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.2 -
Thanks 😊 I've been in the office today, and have had tea but no heating!! 🥶🥶 Fortubately I am well equipped with a massive emergency cardigan and I also happened to have a hot water bottle with me in the car, so actually I was as warm as I usually am at home 😂😂 but other people were considerably unimpressed. That's two days the office heating has been off now 🙄 I have made a complaint (as have others) but I can't imagine it will achieve anything.
I'm in the library now though - we get booted out of our office at some unspecified point around 5.30-6.30 and Mr Cheery isny picking me up til 7.30 ish so it seemed safer to relocate - and it's considerably warmer in here! 😂
Next stage of banking done - I need to transfer money into my account (which I'll do tonight) and then initiate the switch, and then finishe setting up Mr Cheery's, transfer money in, and initiate the switch. Fingers crossed it'll all go through ok, and that'll be another £350 😊
No word on new job yet. I caved about 5pm and sent them an email - it'll be 4 weeks since the deadline tomorrow, and the advert said they'd let everyone know either way within 2 weeks. I appreciate everyone's busy, but an email explaining a delay wouldn't have gone amiss!
Anyway, probably another email that will achieve precisely nothing, but hey ho 🙄7 -
No heating!!I would be crying. 😿I 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.3 -
Fortunately it seems to have been turned on this afternoon, although it didn't really warm up before I left about 6 🙄
Miracle of miracles, Mr Cheery managed to battle the bank app ID process, set up an account, and apply for the next switch, all while I was at work! We spent well over an hour trying and failing to validate ID yesterday so this was a real achievement!
Deadline was today, so hopefully we've both met it - switches scheduled for 8th Dec.
Missed a work deadline today, very annoying 🙄 It's an application for a role - I've been doing something very similar for the past few years but it's coming to an end. I knew the deadline was today, but with busyness and illness etc I'd put it off. Finally got round to it at 4.50, and realised the deadline was 5pm 😱 Applied anyway, but it was about half an hour late 🙄 Fortunately they need a lot of people, and may well just accept everyone onto a 'bank' to use when necessary, so fingers crossed.
No word about job - and no response to the email I sent yesterday 🙄
Visiting both parents tomorrow. Mum still off sick but has triggered an occupational health referral 🙄 Dad been back to hospital and now apparently has kidney stones 🙄 Fun and games!7 -
Well done to Mr C.I 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.4 -
Oooo - that's an impressive lot of things that Mr Cheery did on his ownsome!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!3
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I mean, I did exactly the same the day before practically with my eyes shut... 🙄😂 But he approaches bureaucracy of any kind like a cat approaching a bath, and also the validation had failed about 12 times the day before, so I wasn't holding much hope. But the prospect of the switch money was very motivating 😂
So, a round up of November.
Happy wheel = down £54 🙄
Onepoll = £3.45 - will we reach £25 this year?? Will put a concerted effort in!
My prolific = £9.60, requested payout
Mr Cheery's prolific - not sure, but about £10 I think, will get him to request payout tomorrow.
Bank switching! = £350 plus £96 in old accounts
Cashback = £48.50
So that's £504.10 extra dosh actually received this month! I don't count survey money til it's actually paid out. An extra £16.80 a day!
Went to open a first direct regular saver earlier, but you can't have a joint one. The current account is joint though - not sure if we can each have an attached saver, or if we'd need individual current accounts first. Will investigate.
Righy, sleep!8 -
ooooo - impressive round-up Cheery!
I just had a message from Pal'o'Pay saying I had 79 pounds hit my account - couldn't for the life of me figure out where that had come from until OH messaged to let me know he'd done well on Prolific in November! - I do think it's rather sweet that he sends all his xtra effort earnings to me - LOL - though tbh it's all the same as we just pay everything jointly in the end!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!8 -
Aw, that's very sweet 🥰
Long day here. Drove to my dad's - he'd had hospital tests yesterday, and the doc had just rung him to go back in for another scan today 🙄 Had a cuppa with him, then dropped him off at the hospital to sit and wait.
Went to collect my mother, took her out for a cheerful lunch and a nice walk on the beach 😊😊 Then back to hers for a cuppa.
Rang my dad - still at the hospital (4 hours later), blood tests done but no scan yet.
Rang sister to see if we could pop in for a cuppa. She said yes.
2 seconds later, dad rang - they'd come out and told him to go home as he wasn't in pain and they weren't going to get through everyone in the waiting room 🙄 What a waste of time. I'd told him I'd pick him up and take him home, so I did - but the hospital is 20 miles closer to my house and further from my sister's, so I'm afraid by the time we dropped him off we just came home rather than heading back in the wrong direction to hers.
Hey ho. Nice to see them both, worry about dad and all his hospital trips but he seems in good spirits. They'd told him to go to A&E over the weekend if he was in pain, he doesn't have a car and is basically just calling in favours to get to the hospital, so I bunged him a few quid to make sure he would take a taxi if necessary rather than suffering.
Very glad to be back home now, just getting nice and cosy!7 -
Another YouGov survey done - I think I have 18-21 left (depending if they're 50 or 60 points) - exciting times! This will be my first ever YG payout 😮😂
Mr Cheery withdrew November's Prolific money - £9.08. Neither of us made it to £10 last month 🙄
HW down £33 tonight 🙄😮
In need of a list for tomorrow... So, in no particular order...
* workout
* photos/measurements for Joe Wicks checkin
* book hair cut
* book chimney sweep
* book boiler service
* book septic tank emptying
* check online LPG account
* banks/YNAB start of month check
* flute practice
* remember to wait in for parcel delivery 😂
* bit of batch cooking for the week ahead
* do some online Christmas shopping
* get started on making Mr Cheery's present
* spend a bit of time outside - I keep complaining every time I'm somewhere else and it's sunny, and it's going to be sunny, and I'll be at home, so I need to make the most of it! 😂 Probably too cold for much more than a walk, mind you 🙄
* washing on and hung up
* hoover through
That'll probably do - if I get half that done it'll be a small miracle 😂
Oh!! And I finally remembered to sign up for October energy savings sessions - unfortunately after today's had finished 🙄😂 Shame really as we weren't here so would have saved quite a bit! 😂7
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