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Pay off mortgage and start having even more fun 😁

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Comments

  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,913 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I have to say newgirly - apples are like buses.  We got free rein over the apple tree in the garden on our recent few days away.... then I bought a box in MrL only to find  2 cooking apples in it 😂  You know they wouldn't be there, had I needed them, or had we not have had the gifted apples, but I know that apples 'for sale' aren't cheap - and cooking apples especially are 'few to the lb'. 

    But well done you for treating the apple with the value it deserved and using as much of it as poss.  The one issue I've got with our gifted apples is that there was brown rot on the tree.  I tried to avoid it, but we've lost one apple already since we've got home.  Doesn't matter that they were 'free' - it's one less slice of pie! 😁

    Glad that DH was home at a sensible hour, and I hope that he's enjoying the new role, even if the commute is less than desirable.  

    Just 'eye-roll' to the commercial EA attitude.....

    Greying X
    Pounds for Panes £7,705/£10,000 - start date Dec 2023
     
    Grocery Spend October 2025 £113.98/£200 
    Non-food spend October 2025 £9.97/£50
    Bulk Fund October (month 10 of 12) £0/£35.20 
  • newgirly
    newgirly Posts: 9,398 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Thanks Vix and GP, I do belong to the local regifting site and there were some on there but sadly all taken before I saw the post! Mum has an apple tree that will be worth a look, some years it’s very sparse and maggoty though, I’ll have to go round a have a look 😁 Dh is getting on fine thank you for asking, not sure about early Fridays yet. 

    Been to the gym two days on the trot this week, very unlike me but I’m out with friend today and Aunt Friday now. I’ve overspent, hospital car parking, fancy food that was a want more than a need - sourdough, maldon salt (ran out of all salt so maybe that was a need 😁) and coffee pods. My turn for coffee today too and I still need to buy a bit more food, I think just over £10 a day for everything is tough if you are out and about most days. Need to think about getting some tights too, looked at some brilliantly reviewed ones-  sn@g , but the voucher code  I had didn’t work and they were pricey with postage too, they do a flesh coloured thicker pair “builders tea” which would be very handy in autumn /winter to make use of more of the dresses I have, will be holding off until there’s a voucher or free postage though! 

    Will check finances later as a little more spending will be done today, at this rate I’ll run out by the end of September not November 😱 on the plus side the food spend has been good as I’m making almost everything from scratch, dh has frozen homemade dinners everyday and cake after so he’s eating less j@ffa cakes 😆 poor thing had a bad traffic day yesterday as it was a four hour drive home so he was late, hopefully it’s better today but he’s back in Westminster again so it will be really bad as it’s still strikes. 


    MFW 67 - Finally mortgage free! 💙😁
  • daisy_1571
    daisy_1571 Posts: 2,248 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 11 September at 10:21AM
    Working within London and a 4 hour drive home  eeeeeeeekkk he'd be home quicker working up here and getting the train back :D  :D

    Edited: just had a look at the tights.  Friends definitely think the brand is great but that colour omg!!!  Im of an age that builders tea looks suspiciously like American tan 😳 😆 🤣 😂  I know the next generation after me went for brown tights but my generation liked black or nearly black tights as brown was what our mothers wore.  Your generation would likely have associated black with your mothers so its a circular generation thing 😆.   

    Anyway, that aside, you're on a strict budget, you don't need to be buying 18quid tights so you can wear a dress a bit longer!  That's 2 days of your food money gone.  Unless you are bringing in new money, for the next few months think Frugality, Poverty, Necessity (actual necessity not ng necessity, maldon salt indeed ! 😆 🤣 😆)

    Dxxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • themadvix
    themadvix Posts: 9,016 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    It’s been an exceptional year for fruit trees, so definitely check your mum’s tree out!

    I think you said it yourself - £10 is difficult *if* you are out every day! You need to stay in more! Or take a thermal mug to the cinema 😊
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • greent
    greent Posts: 10,828 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like snag tights and builders tea comes up much paler when on - its essentially a nude on my pale skin. They are worth the money, as they last and last and last. However, ng, you can wear jeans/ leggings etc now it's cooler, surely 😁

    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Watty1
    Watty1 Posts: 7,158 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 11 September at 6:53PM
    On the tights, I am a fan of uniqclo heattech knitted tights - don't look like regular tights but perfect with dresses and ankle books as we go into autumn really warm and I've a couple of pairs that have lasted for over 2 years now!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • South_coast
    South_coast Posts: 6,002 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I got 5 pairs of gloss tights from Morrisons for £4.50 lately. So far, so good 👍

    And I think a box of salt is about 35p in Lidl 🤔?
    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!!!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    My favourite are Wolfor* tights - the opaque ones (as the whole brand) are expensive but look better than all others and last for many years .. without snagging (& loads of colours) 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • newgirly
    newgirly Posts: 9,398 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    themadvix said:
    It’s been an exceptional year for fruit trees, so definitely check your mum’s tree out!

    I think you said it yourself - £10 is difficult *if* you are out every day! You need to stay in more! Or take a thermal mug to the cinema 😊
    I shall check the trees out Vix 🙂 
    I do take my thermal mug to the cinema with a nice cup of tea in, and usually a bottle of water too just incase, they don’t bat an eyelid now as we are there all the time and always do it 😬 I do have coffee out a lot but never alone, only as a chance to sit and have a catch up with someone I’m too tight to buy it just for me, if I go anywhere by myself I always take drinks.

    Glad to hear the builders tea are good greent, I shall get some but not yet, will wait until the budget evens out or ask for some for Xmas 😁 


    Haha, I know Sc , but since I bought ds2 posh salt last Xmas it’s just changed things for me, I’m just too fussy for the peasant salt now 🤣
    MFW 67 - Finally mortgage free! 💙😁
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