We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage free in Forever Home :-)
Options
Comments
-
redofromstart said:Apparently you mix together and flat bake on a lined tray to make the outside of a wrap. I already use two whisked eggs in my pancake pan to make a very thin omelette to use as a wrap because I don't like the gluten free ones.
for me the addition of cottage cheese would give me much needed calcium. I hadn't even thought about protein but probably should given how my eating has changed in recent weeks.KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Well done on the weight loss. Egg, cottage cheese and chives sounds delicious - I'm going to try this. I've been eating the Asda 'flamebaked' garlic and herb flatbreads with a cheese/coleslaw filling. The flatbreads live in the freezer and are toasted just before eating, then add a couple of spicy cheese slices and melt for 30 secs in the MW. Add the yoghurt coleslaw, re-fold and you're good to go. Its around 400 calories but avoids using any butter and is very satisfying so a win for me. I've been allowing myself about 1500 daily calories, so after about 300 for porridge/fruit/yoghurt for breakfast I still have around 800 for dinner
. I've lost 2lbs this week and even just that small amount makes such a difference to how my clothes feel.
"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
SandyShores said:Well done on the weight loss. Egg, cottage cheese and chives sounds delicious - I'm going to try this. I've been eating the Asda 'flamebaked' garlic and herb flatbreads with a cheese/coleslaw filling. The flatbreads live in the freezer and are toasted just before eating, then add a couple of spicy cheese slices and melt for 30 secs in the MW. Add the yoghurt coleslaw, re-fold and you're good to go. Its around 400 calories but avoids using any butter and is very satisfying so a win for me. I've been allowing myself about 1500 daily calories, so after about 300 for porridge/fruit/yoghurt for breakfast I still have around 800 for dinner
. I've lost 2lbs this week and even just that small amount makes such a difference to how my clothes feel.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Highly recommend the greek flatbreads from Tescos. Pricy but freeze nicely and are a lovely taste. Likely due to being full of olive oil I suppose....
As for the egg and cottage cheese - I had to smile. I have some recipe cards of essential things to make given to me by my adopted grandmother in the 60s (please note I was very young at the time). One of the cards has her recipe for lasagna which I bet any Italian would shudder at but we liked it. The inner layer was a mix of cottage cheese and eggs (so not bechamel and no one had heard of ricotta). I should have a look for it but suspect being so very non Italian there would be no actual garlic, likely no onions. Maybe a teaspoon of "mixed herbs" and a sprinkle of garlic salt. Life was bland in the suburbs!!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇3 -
Brie said:Highly recommend the greek flatbreads from Tescos. Pricy but freeze nicely and are a lovely taste. Likely due to being full of olive oil I suppose....
As for the egg and cottage cheese - I had to smile. I have some recipe cards of essential things to make given to me by my adopted grandmother in the 60s (please note I was very young at the time). One of the cards has her recipe for lasagna which I bet any Italian would shudder at but we liked it. The inner layer was a mix of cottage cheese and eggs (so not bechamel and no one had heard of ricotta). I should have a look for it but suspect being so very non Italian there would be no actual garlic, likely no onions. Maybe a teaspoon of "mixed herbs" and a sprinkle of garlic salt. Life was bland in the suburbs!!
That lasagne sounds interesting… 😉
My egg and cottage cheese came out well. It took a lot of cooking: 15 minutes in the air fryer at 160 so I ended up eating my toast first. But once it was cooked it was really tasty and the shallots had cooked well 😊
KK
As at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
I think you can also cook the egg and cottage cheese mix in a waffle maker. Mind you, I always make a mess with the waffle maker regardless of what I attempt to cook in it!
4 -
greenbee said:I think you can also cook the egg and cottage cheese mix in a waffle maker. Mind you, I always make a mess with the waffle maker regardless of what I attempt to cook in it!
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Do let me know re the results on this egg/cottage cheese wrap thing ... if it is not stable flaxseed (milled) is good for holding things togetherDON'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#latest4 -
LadyWithAPlan said:Do let me know re the results on this egg/cottage cheese wrap thing ... if it is not stable flaxseed (milled) is good for holding things togetherIt took a lot more cooking than I expected - started at 5 minutes in the air fryer at 160 and had to repeat the cycle a further two times to get a loose ‘set’. It did taste really good though 😊 I’m going to do it again (to use up the cottage cheese before it goes sour) tomorrow morning but with precooked lentils and a slightly higher cook temperature this time.The weather here was lovely today - got a washing load fully dried on the line 🌞
Spent 3 hours in total out in the garden 😊 Mainly weeding the veggie beds and paths - loads more to do but I can see where I have been. Mr KK was out there too, welding and grinding the ‘lacework’ of an old bike mudguard back into something structural. It was very noisy! In the end he lent me a pair of ear defenders! 😂 It’s given me an idea for a Christmas present for him though … The ergonomics of the workmate bench he was using was dreadful - far too low. He needs a collapsible, stable, work bench of similar design, but at waist height or slightly higher … Any thoughts?Made pizzas from scratch again, this time with bread flour. Mr KK ATE HIS CRUSTS!!! 🥳🎉🎺🤩👏 This never, ever happens with shop bought pizzas … 😉
Didn’t get to the bean burgers - no time - will try again tomorrow 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
Mr 🐞 hates shop bought pizza much prefers homemade, although that might be because he gets more than a scattering of the toppings he likes and I usually make them bigger than standard shop bought.
Love 🐞
Grow your own: £14.663
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards