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Aim: Mortgage Free / Time For Me

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  • postmenopause
    postmenopause Posts: 117 Forumite
    100 Posts Second Anniversary Name Dropper
    edited 8 February 2022 at 4:26PM

    Today’s quote:

    “Life offers you so many doors, it is up to you which ones you open and which you close”


    Money / household saving:

    • I realised today i forgot to wash my reusable cleansing pads when i last did a wash and i have only got one left for tomorrow.  I’m doing some washing tomorrow so i MUST remember to bung them in with our clothes.  When i look back i cant quite believe how much i must have spent on the cotton wool disposable pads ( not to mention how bad they are for the environment).
    • Tonight we will have pasta and salad (the pasta sauce is from the freezer, that i made last week).  I must start picking some winter salad leaves from my polytunnel at the allotment, to pad out the shop bought lettuces i buy.

    Allotment / garden:

    • Today i was amazed to see that my webbs wonderful lettuce, statice, strawflowers, dahlia and french marigold seeds that i only sowed last week have germinated.  After all my years of gardening i still get excited when i see seeds germinate.  All these seeds will stay next to my french doors for a few days until they are ready to ‘!!!!!!’ out.
    • Today at my allotment i concentrated on my fruit…. i cut down my autumn raspberries and then pruned my redcurrant and black currant bushes and then my gooseberry bushes. I moved most of my fruit bushes in late autumn from the plot i gave up, so they are now in a new fruit area on my plot.  I am very pleased to say it looks as though all the fruit bushes have survived the move, thank goodness.
    • I also painted some fruit tree grease around my fruit trees to help reduce the wingless female winter moth caterpillars that climb up the trees and lay their eggs.  I like to use the paint as you can get into all the crevices on the bark, where as the grease ‘bands’ you can buy don’t always fit snuggly unless your tree trunk is ridiculously smooth.



     Wellbeing:

    • After my bike ride to the allotment and back yesterday i went on a bit of a downer…..however i gave myself a good talking to and decided to google why i found the bike so hard to ride ( after all, years ago i cycled everywhere…..though i had put this down to me now being older and unfit).   I first read if your tires aren’t fully pumped up it makes riding harder……so i pumped them up.  I then read if your seat is too low then this also makes riding harder…so i increased the height by two inches so i can just stand with my toes on the ground ether side.  So today i went on my bike again and I’ve got to say it made such a difference…..don’t get me wrong i still found it hard on the way home but “I did it”……and I’m proud of myself.
    • Today is day ten of my healthy diet…..so far so good….. I CAN DO THIS (i have to keep telling myself this over and over again).


    Anyway, that’s it for today

    XXX

  • Today’s quote:

    “Every goal you set comes with challenges; don’t give up, keep pushing….you will get there”


    Money / household saving:

    • Today i sat and worked all our spending out.  We have done really well not spending this month …… we have used Tesco vouchers for meals out and takeaways with the family and our ‘love to shop voucher’ for anything else and kept easily within our budgets.  We have managed to save another £445.59 towards our kitchen mortgage.  We now have a total of £1991.39 saved, which we will pay when our fixed mortgage term ends this December (we have overpaid this year as much as we can).   We still have a long, long way to go as our kitchen mortgage today still stands at £14,536.73, but we have mortgage payments to come off each month and my pension money…..and we will keep saving as much as possible each month.  It’s going in the right direction.
    • Tonight it’s roast chicken and veg (home grown potatoes, squash, parsnips, onions, Brussels and cauliflower), so only the chicken came out of our food budget and that will stretch over two or three meals).
    • The man came to fix our dishwasher today……we have been without it for nearly two weeks as it wouldn’t start- it just kept making a loud noise.  Guess what…..the dishwasher man switched it on and it worked!  He told us that if it happens again (which he thinks it probably will), then we need to take a video to show him so he can establish what the problem is.  To be honest it felt like the car all over again…the problem can’t be found😰😰😰.  Oh well, at least it’s under warranty when it goes wrong again.
    • Today i did some washing - it’s amazing how much less washing i do now my dd2 is back at university 🤣🤣🤣.  I managed to get it nearly dry outside on my washing line and it is now having an airing on my radiators just to finish it off…so that’s a little bit of money saved not having to tumble dry it.


     Wellbeing:

    • I didn’t do much else today except walk the dog.  My dd1 dropped in for lunch as it was her day off and raided our pantry as usual (though i wouldn’t have it any other way).  
    • I have been on edge today as i was expecting a horrible letter off my narcissistic father after i put flowers on my step mums plot at the weekend (as his letters always seem to come on a Wednesday and he can’t stand anyone else putting flowers on her plot)…but amazingly nothing came, but i haven’t heard from my stepsister yet so maybe he thought she had put the flowers there and he has sent a vile letter to her instead (which he sometimes does).


    Well thats it for todays, it’s time to finish making dinner.

    XXX

  • If the letter does arrive then just bin it without opening it. I'm sure you'll be able to recognise his handwriting on the envelope, and reading it is only going to upset you.

    Binning it reminds you that he has no power over you. You don't need his unpleasant words and nasty attitude in your life. You have a roof over your head, family members that love you, an allotment that helps you provide for those you love, and you're cracking on with the mortgage paying at an incredible rate. So sod him.
    "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!
  • postmenopause
    postmenopause Posts: 117 Forumite
    100 Posts Second Anniversary Name Dropper
    edited 10 February 2022 at 6:21AM
    If the letter does arrive then just bin it without opening it. I'm sure you'll be able to recognise his handwriting on the envelope, and reading it is only going to upset you.

    Binning it reminds you that he has no power over you. You don't need his unpleasant words and nasty attitude in your life. You have a roof over your head, family members that love you, an allotment that helps you provide for those you love, and you're cracking on with the mortgage paying at an incredible rate. So sod him.
    Very wise words @VintageHistorian , thank you….. you are right, sod him!
  • I would return the letter unopened PM.  He'll soon get the message that he can't get to you that way.

    Fortune x

  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Delurking to say, do you have a shredder?  If so, just put any letters from him straight in, without thinking about it.  If it's a postcard then, again, put it straight into the shredder when you see his handwriting.

    *Goes back to lurkdom*
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I would return the letter unopened PM.  He'll soon get the message that he can't get to you that way.

    Fortune x

    Yes, that’s what i usually do @Fortune_Smiles …. I write on the envelope ‘refused delivery, pls return to (his address)…..then lol last time he sent me a postcard so he  knew i would read it 😰😰😰
    Delurking to say, do you have a shredder?  If so, just put any letters from him straight in, without thinking about it.  If it's a postcard then, again, put it straight into the shredder when you see his handwriting.

    *Goes back to lurkdom*
    I don’t have a shredder but if he sends a postcard again i will put it straight in the bin.  Thanks @girlatplay XXX
  • Today’s quote:

    “A kind friend is the right kind of friend”.


    Money/household saving:

    • Today my lovely allotment neighbour took me to the ‘Company Shop’ (as our car is still waiting to be fixed and he was going anyway).  I got some cheap finish dishwasher tablets, 24 toilet rolls, four steak slices, a pataks curry paste, a net of red onions and a cake board for my dd1’s cake (which i will be making tomorrow) and it all only came to £13.15, so that was a good shopping trip.
    • The chicken we had a couple of days ago was an extra large one and we still have some left, so for tea I’m going to heat it up and serve it with some pasta rice, salad, pitta, natural yoghurt and i’ll make some humous……I’m looking forward to this tea.
    • I washed all my allotment clothes today when i got home at lunchtime, including my coat.  It’s on the washing line at the moment, i’m not sure if it will dry or not but i thought it was worth trying as it’s sunny and a bit windy……i’ll finish it off later on the radiator if it’s still a bit wet.


    Allotment:

    • I finished cutting down my overwintering perennials at my plot today….it was lovely and sunny this morning so it was a pleasure to be there. 


    Wellbeing:

    • I cycled to the allotment and back again this morning……i better lose weight this week with all this cycling 🤣🤣🤣.  But seriously, i quite enjoy cycling there…..i just wish cycling home was easier, but i try and think of the calories when I’m finding it hard.
    • So it’s day 13 on my healthy diet….. “I CAN DO THIS”……though i feel VERY hungry today…..or is it just ‘rubbish’ i want to eat, either way I’m NOT having anything.
    • I realised today i have been writing this diary for just over six weeks now.  I have had a few false starts with my diet, ups and downs with my fitness, but over all i think i may be falling into a new routine.  I love this diary as it makes me accountable which really helps and the comments i have received have made me realise I’m not on my own facing things.  Overall, things are beginning to look brighter.


    Anyway it’s time to walk the dog now 🐶🐶🐶


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