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2022 - Moving forward
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That’s interesting. I didn’t realise insects were in danger. We have a very wild garden too so I must be doing my bit. Rabbits live in our small embankment so we’re keen not to disturb them with fancy gardening.Not all who wander are lost - J.R.R.Tolkien
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https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p16 -
Ah no jwil, earwigs are just 🤢. I do try to encourage the kids not to be scared of insects etc out in the garden, they’re still at the age where they find them fascinating.They scream when they see spiders in the greenhouse and I always have to remind them that they’re doing a good job and nothing to be scared of. Doesn’t stop me getting a fright when one appears out of nowhere & whips across the floor though. 😂Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.5
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I have my hand up as having a garden that has more life in it than I could.ever imagine. Every year I try and tame the garden and every year it wins. Sounds like an interesting book. I'm sure my twenty things to do in 2020 included reading. I have done 1 book this year but definitely need to get reading again now the kids are school agedJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...6 -
Everyone in my house is scared of spiders except me. I've pointed out the beauty of a spiders web sparkling with dew but I can't convince them 🤔. Spiders eat flies too which is a useful function to my mind. All the children at school used to love insects and want to carry them around the playground in their hands 😂.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS5 -
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One debt remaining. Home improvement loan.6 -
If you boost the pollinating insects - then that helps food production - and also helps birds. So multiple wins... This is why I am so in favour of biodiversity in my own garden LOL. The only reason...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
WinterWarrior said:That’s interesting. I didn’t realise insects were in danger. We have a very wild garden too so I must be doing my bit. Rabbits live in our small embankment so we’re keen not to disturb them with fancy gardening.sashybo said:Ah no jwil, earwigs are just 🤢. I do try to encourage the kids not to be scared of insects etc out in the garden, they’re still at the age where they find them fascinating.They scream when they see spiders in the greenhouse and I always have to remind them that they’re doing a good job and nothing to be scared of. Doesn’t stop me getting a fright when one appears out of nowhere & whips across the floor though. 😂
I do try and encourage the kids to like them too.
NeverendingDMP said:I have my hand up as having a garden that has more life in it than I could.ever imagine. Every year I try and tame the garden and every year it wins. Sounds like an interesting book. I'm sure my twenty things to do in 2020 included reading. I have done 1 book this year but definitely need to get reading again now the kids are school aged
It was definitely an interesting book and very easy to read as well. Not too technical or dry.HairyHandofDartmoor said:Everyone in my house is scared of spiders except me. I've pointed out the beauty of a spiders web sparkling with dew but I can't convince them 🤔. Spiders eat flies too which is a useful function to my mind. All the children at school used to love insects and want to carry them around the playground in their hands 😂.
Little miss loves hunting for insects in the garden too. Little jwil has never been interested.beanielou said:Enjoy your weekend.
Thank you, you toosavingholmes said:If you boost the pollinating insects - then that helps food production - and also helps birds. So multiple wins... This is why I am so in favour of biodiversity in my own garden LOL. The only reason..."If you can dream it, you can do it". Walt Disney4 -
We are genuinely doing more for the planet than the people with the perfect gardens. Helps me sleep at night
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
savingholmes said:We are genuinely doing more for the planet than the people with the perfect gardens. Helps me sleep at night"If you can dream it, you can do it". Walt Disney4
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savingholmes said:We are genuinely doing more for the planet than the people with the perfect gardens. Helps me sleep at night
Jwill if you have a spare corner or bit of soil I can highly recommend the aldi wild flower box of seeds. It costs 2.50 when they sell it. We had about a metre square that I dug over and we just chucked the wildflower seeds in. We got poppies and some lovely orange, yellow, blue and tiny white flowers which in turn brought some bees and butterflies. I've no idea what they were or tbh what I was really doing but it was a nice surprise to see what grewJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...5
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