Mortgage free in Forever Home :-)

Merlin's_Beard

Just sounds tough all round from every direction. I hope Mr KK's stone shifts soon and takes one thing off your plate.

KajiKita

Mr KK is up! I can hear him moving around upstairs!! If he does make it into work today, I have to,d him to leave at least an hour earlier as I know he is getting very tired atm.

Did some gardening yesterday and managed to snap my 18 year old gardening fork just above the tang - bah! Not worth repairing as the tines are also fairly bent! I am rather hard on tools (or thus garden is uncooperative! 😂😉 I have some left over Christmas gardening vouchers I was going to use to buy scented lillies - looks like they will become a new gardening fork instead …. 🤷‍♀️

KK

KajiKita

Weights and squats done before heading out to work. The dawn sky as I got to work this morning was just beautiful - such a relief to be getting to that time of year again 😊
Bit low on steps at 7.5K. 

Mr KK didn’t make it to work today. After I left he tried to get up and I think gravity kicked in and he was doubled over in pain 😢 He’s made a packed lunch to try again tomorrow, but has said if he doesn’t make it into work tomorrow he will try to track someone down in Cheltenham about getting treated. He’s getting so frustrated now and this is only the start of the second of the six weeks before they (might!) call him back. Sigh ….

NSD for me. I am planning a spend day on Wednesday - letting the canteen feed me lunch on Wednesday. 😉

KK

KajiKita

In more positive news! (I’m conscious reading my page at the moment is a bit grim …. ) 

Just logged into TCB and there was £16.80 to collect 😊 - this is the CB from the airport parking in September 2022 when I went to Italy for work! Taken yonks to come through, but here it is!! 😊

Now I have to decide - savings or mortgage, savings or mortgag …..?? 🤔 Votes please! 😂
I have some time to decide - it will be at least tomorrow before it shows up in my PayPal account and I can shuffle it off somewhere 😉

KK

SandyShores

I'm voting for mortgage - just because I need to start paying all those smaller amounts off my mortgage as well - they all add up don't they and once they are paid off they disappear from the spending view

Sorry to hear Mr KK is still in a lot of pain.  It reminds me a bit of being towards the later stages of pregnancy, and just wanting the baby to arrive.

Baileys_Babe

I would pay it to whichever has the highest interest.

redofromstart

Books or a jumper!

(Savings, if you insist on being sensible)

KajiKita

Hahaha … @redofromstart, your comment made me smile …. 😊 Books would be very tempting, especially as I have a whole list to read from asking friends for suggestions…. 🤔

KK

redofromstart

It's a tricky one for me, when we had no money for food, never mind service debt, anything extra went to debt. Not to vegetables, as that was setting money on fire. Well, if you can get a rotting vegetable to burn, obviously.

once we get back to income exceeding outgoings I used my 'clever' money like 'work funded' cash back for treats like kindle books. It stopped me from splurging because I had a (minuscule) budget. 

KajiKita

@redofromstart hmmmm …. More cogitations ….

I have lots of books, a good local library I can get to and craft stuff coming out my ears. In terms of other stuff that I might get from the footwear chemist I still have £50 voucher from Christmas that I haven’t spent yet. 

Treat stuff would be things for the garden but I still have £30 of gardening vouchers from Christmas …. 🤔

I normally only OP with QM33 earnings and everything else gets swept into savings until I get to a state where I have at least three months basic expenses coverage / all YNAB pots filled / under control …. But this £16.80 is the equivalent of two weeks worth of QM33 earnings / mortgage OPs ….

Silly, I know, but nicer to think about than some other topics in my life atm …. 😉

KK