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Aim: Mortgage Free / Time For Me
Comments
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I love your first paragraph.
I salute you xxxI 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.2 -
beanielou said:I love your first paragraph.
I salute you xxx1 -
Todays quote:
“The person who moves a mountain begins by carrying away small stones”
Mortgage /household saving:
- I worked our money out today. We have nothing extra this week that we can put towards our kitchen mortgage but so far this month we are under budget on everything eg food and spending etc. which is good.
- We have a problem with our energy supplier not producing bills since our ‘dumb’ smart meter started once again to talk to our energy supplier. Apparently their computer system has a glitch and even though it now has our meters readings it isn’t producing our bills. I rang them three months in a row last year to produce a statement, which they did, but i told them i don’t want to have to keep ringing them every month to prompt them to produce it. Last month as this hadn’t been resolved i put in a formal complaint and each week i get an email from a lovely chap who keeps me informed of their progress. I will give them a few more weeks and then i will escalate the complaint to ofgem. I am lucky because i am pretty savvy about gas and elec ( i worked for Brit Gas for years ) and i know exactly what we use and if our payments are what they should be, thank goodness. I would hate to end up owing loads, especially with the prices shooting up at the moment.
- We now have another ‘50% off’ voucher for Toby Carvery, which came through on my email address this time (my husband signed us both up to their website ages ago). So he has booked a table for us again this week. Lol that means i will have gone out for two meals in two weeks…..thats more than i have been out in the last six months 🤣🤣🤣. The carvery works out at £3.75 each plus drinks…..what a bargain and what a treat!
Wellbeing:
- Today is weigh day and i have lost another pound….i cant quite believe it as i haven’t been calorie counting, just eating healthy. Thats four pounds in two weeks.
- A strange thing has happened over the last three nights….i have slept better. Over the last few years my sleeping has been terrible, i can fall asleep quickly when i go to bed but i usually wake many times in the night. Last night i only woke once and i felt so refreshed this morning when i woke…..i haven’t felt like this in a long time. Fingers crossed it continues.
- I started to tidy the shed at my allotment yesterday. I do tend to just chuck things in and it got to the stage where i couldn’t walk into it 😱😱😱. Yesterday i left it tidy and so today i have sorted all my baskets of ‘bits and bobs’. It’s now lovely to have a completed tidy shed…..it will make me feel so much better when i open the door to a tidy shed each day and be so much easier when i need to find something to use.
Anyway thats it for today. It’s time for my 30 minute brisk walk.
XXX
4 -
I love this quote PM! It was my mantra when we last moved house and I posted about the small stones I moved each day. And it worked!
Well done on the weight loss. My focus on health and fitness start in earnest today 😁
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living2 -
Thanks @Fortune_Smiles and good look with your health and fitness XXX
2 -
Today’s quote:
“Accept what is, let go of what was, and have faith in what will be”.
This quote reminds me that I can’t re-write my past, I can only accept it and move on. Part of my healing is ‘accepting’ and leaving my past behind me.
Mortgage / household savings:
- So tonight we are going for our £3.75 per person carvery (with our 50% off voucher) and my dd’s and their partners are coming too….what a treat 👏👏👏.
- Yesterday at my allotment i spread some of my homemade compost on my ‘no dig’ beds…..this saves me buying compost in. I put all the weeds thats the books / celebrities tell you not to into my compost bins (eg perennial weeds like dock, nettles, comfrey etc) and it all rots down just fine, provided i make sure there is no light what so ever that can get to them while they rot down. I do get weed seeds after i spread my compost but i remedy this with a quick hoe round once a week when they start to grow in spring.
Wellbeing:
I decided today to think about some of things that make me happy, as somewhere along the way I have forgotten and it’s time to remember. After writing down the things below, i have realised that i really do like the simple things in life that cost little or no money at all (lol this is a good job if we want to pay our mortgages off sooner rather than later). So here’s my list…..
- Time spent with my dh, dd’s and their partners
- Time spent with my friends
- My dog when she cuddles up close and looks at me with such love
- My allotment in summer after a good weed
- The dawn chorus
- A sunny day
- The leaves falling off the trees in autumn
- The smell of newly cut grass
- A lawn when the edges have been cut
- The seaside
- The wind blowing in my face
- The excitement leading up to Christmas and Christmas day
- The thrill of seeing a seed I’ve sown germinate
- Flowers that look beautiful and attract insects too
- Hanging washing on my washing line and watching it blow in the wind.
- Getting into bed after a bath, with a clean nighty and clean sheets.
- The feeling of satisfaction I get when I cook a meal from scratch using vegetables that I have grown.
- The smell of a Christmas cake cooking.
I’m sure there is more but it’s that time of day when my 30 minute brisk walk is beckoning, so i’ll finish for now.
XXXX
2 -
Oooh - I love the smell of iced Christmas cake when you take the lid of the tin 😋 Wonderful.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living1 -
Lovely listI 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.2 -
So much to give thanks for. How lucky you are!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park2 -
postmenopause said:
Todays quote:
Wellbeing:- A strange thing has happened over the last three nights….i have slept better. Over the last few years my sleeping has been terrible, i can fall asleep quickly when i go to bed but i usually wake many times in the night. Last night i only woke once and i felt so refreshed this morning when i woke…..i haven’t felt like this in a long time. Fingers crossed it continues.
I actually broke down in tears to husband telling him how tired I was. I was suffering with night sweats which were not helping with the sleep, and he thinks I should just go the doctors and go on HRT. I really dont want to go down this route and have been doing a lot of on-line research. I have been on sage tablets for around 5 weeks, Ive cut down on caffeine to just my first cup of tea in the morning, doing dry January (wine was a major trigger for hot sweats for me), and I am exercising more. Now Im not sure which one is working or if its a combination.......but Ive not had a hot sweat for a full week! And I am back to sleeping better so it could possibly be the same for you......youre eating better and exercising more so sleep is improved.
Another thing I have learnt is that sleep can be helped by improving gut microbiome. Probiotics and prebiotic increase the good bacteria which have huge health benefits so Ive been trying to incorporate foods that include these.
I've even knocked chocolate on the head in the evening as it contains caffeine and can keep you awake. Can you tell I was desperate to sleep?I even got Michael Moselys book on Sleep from the library. An interesting read!!
Make £10 a Day Feb .....£75.... March... £65......April...£90.....May £20.....June £35.......July £602
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