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Aim: Mortgage Free / Time For Me

11617182022

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  • South_coast
    South_coast Posts: 5,935 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    You've come such a long way, you should feel so proud of yourself 🥰 I've always thought that family is what you make it, you can't force a bond that's not there simply because you're related. It's great to hear that you're feeling closer to your stepsister, she will have seen it all from a different perspective to your sisters and probably has a bit more emotional distance because of that. 

    And I love your quote - may have to send that one to my Mum 🤣!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • I'm right there with you on that PM.  As I get older, I judge people less by what they say and more by what they do.  Actions speak louder than words and I don't have time anymore for people who say they are my friends and behave as though they aren't.  I've ghosted several friends and family members these last several years when they've behaved badly toward me.  Time is precious and you can run out of it so I only spend my time and energy now on people who make me laugh and feel loved.

    Fortune x

  • Fortune_Smiles said:
     Time is precious and you can run out of it so I only spend my time and energy now on people who make me laugh and feel loved.

    South_coast said:
     I've always thought that family is what you make it, you can't force a bond that's not there simply because you're related. 

    Such wise words  @Fortune_Smiles  and @South_coast and so very true 👏👏👏……thank you XXX

  • Today’s quote:

    “Don’t judge each day by the harvest you reap, but by the seeds that you plant” 


    Moneysaving/ household saving:

    • Like everyone else, i am quite worried about the rise in gas and electricity prices ( not to mention the rise in National insurance and day to day grocery essentials)…..For the last few days i am pleased to say we have been able to turn our heating off completely in the day and just have it on for an hour in the morning and then a few hours in the evening, as the temperature outside has risen a bit…..since covid my husband has been working from home so during the coldest months we have the heating on, but turn the radiators off in the rooms we don’t use…..but obviously this still uses energy.  My dh has also now started going back into the office one day a week, so this will help if we have another cold snap.


    Allotment/ garden:

    • As i said before, i use a mini greenhouse frame next to my french doors where i can fit 12 seed trays on.  I usually keep my seedlings there until it is full and then i use my greenhouse with an electric heater in….but the heater uses so much electricity 😱😱😱, so this year i have brought in another mini greenhouse frame from my garden which will hold another 10 trays, so this should keep me going a little bit longer without using the greenhouse and save a little bit of money.  I sit the frames on old quilt covers and ‘slide’ them away from the window each night  so i can close the curtains to keep the heat in.  I do have to turn the trays every day as the seedlings lean towards the light a bit…..i also put foil on the back of the frames to help reflect the light to help the seedlings, however i will have to do the foil on the new frame tomorrow as I’ve out of time today.
    • As it was wet and rainy all day here today, another job i did was to !!!!!! out some of the seedlings that i sowed at the beginning of this month.  So the Strawflowers, Webbs wonderful lettuces, dwarf dahlias, pompom dahlia’s, statice, antirrhinums, coreopsis, rudbeckia and french marigolds are now sitting comfortably on the mini greenhouse frame i brought in today.


    Wellbeing:

    • Last night my dd1 and her boyfriend came round and we face-timed my dd2 and her boyfriend too (as they were at my dd2’s university accommodation) and we all played a game together (herd mentality) and we all had a Chinese meal delivered (remarkably the meals were delivered with five minutes of each other).  I was very good on my healthy diet as i brought a low fat curry meal so i could bung it in the microwave quickly when their Chinese meal arrive and i had prepared some salad to go with it earlier.  As it was my dd1’s birthday we all sang happy birthday to her and then had the cake i made earlier in the day ( i allowed myself a very small taster of it).  It was a lovely evening.

    • Today was weigh day.  I have lost half a pound this week ….not as impressive as last weeks five pounds, but it’s a step in the right direction…so I’m quite pleased.


    Anyway that’s it for tonight as I’m hungry and I’m about to have my dinner


    XXXX

  • Half a pound of is still a good loss.. adds up to a lot over a year.

    Happy birthday to your daughter, cake looks beautiful.

    I'm not happy about the fuel prices, I understand why it has happened and what's not being done to help the public, ours was increased from £56 pm to £133 pm, I've managed to get this down to £95 pm after emailing them,  the heating has been turned off and the burner is being used (will flick the heating on for 30 min once a week so it gets used, but that's it).  All the other increases you mention just make me think about the extra I can't pay off the mortgage or add to saving.  
    MFW - 01.10.21 £63761   01.10.22 £50962   01.10.23 £39979   01.10.24 £27815. 01.01.25. £17538
    01.03.25 £14794.    01.04.25 £12888
    01.05.25. £11805. 12.05.25  £9997   05.06.25  £8898. 
     01.07.25. £7975  01.08.25 £6968 01.09.25 £5956.

  • Half a pound of is still a good loss.. adds up to a lot over a year.

    Happy birthday to your daughter, cake looks beautiful.

    I'm not happy about the fuel prices, I understand why it has happened and what's not being done to help the public, ours was increased from £56 pm to £133 pm, I've managed to get this down to £95 pm after emailing them,  the heating has been turned off and the burner is being used (will flick the heating on for 30 min once a week so it gets used, but that's it).  All the other increases you mention just make me think about the extra I can't pay off the mortgage or add to saving.  
    I know exactly what you mean @jennystarpepper as we had a really good plan to clear our kitchen mortgage (our second mortgage) by December this year but im not actually sure if we will manage it now 😢😢😢
  • Aww I love your romantic kitchen set up! Looks lovely and hope you have a lovely evening. Valentines Day took on a different meaning for my family two years ago when my Mam died on Valentines Day evening.  :'( Have been busy at work today so it has kept my mind occupied but will take some flowers on Wednesday to a local beauty spot where we spread her ashes.
    Make £10 a Day Feb .....£75.... March... £65......April...£90.....May £20.....June £35.......July £60
  • Aww I love your romantic kitchen set up! Looks lovely and hope you have a lovely evening. Valentines Day took on a different meaning for my family two years ago when my Mam died on Valentines Day evening.  :'( Have been busy at work today so it has kept my mind occupied but will take some flowers on Wednesday to a local beauty spot where we spread her ashes.
    Oh my goodness @Kantankrus_Mare that is so sad, it must still feel so raw for you…..i’m thinking of you this evening XXX
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