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Mortgage free in Forever Home :-)
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Your dinner sounds spot on. Though why did you have to mention salt and vinegar crisps *drools* 😂
Glad the thongs are acceptable, chat about them or anything else as much as you like, if people don't like a diary's contents they are free to move on 😊
Though I too didn't know if you meant knickers or flip-flops 😁2 -
PennysIntoPounds said:Your dinner sounds spot on. Though why did you have to mention salt and vinegar crisps *drools* 😂
Glad the thongs are acceptable, chat about them or anything else as much as you like, if people don't like a diary's contents they are free to move on 😊
Though I too didn't know if you meant knickers or flip-flops 😁
I have never called flip flops anything other than flip flops, I’ve never even heard of them being called thongs … No wonder I was lost! 😂
Everyone is awake early here. Bright and sunny again, first load in the machine, dishwasher emptied and Chloe burst out the door this morning and already come back in 🤷♀️ and is scampering about the house and killing her squeaky toy 😊❤️
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.5 -
Aw glad Chloe is enjoying her life
I think 'thongs' for flip-flops is an Aussie/NZ thing, I know the term having worked in NHS where there are loads of Aussies and New Zealanders. Obviously much hilarity ensues every time they say it and someone hasn't heard it before!3 -
PennysIntoPounds said:Your dinner sounds spot on. Though why did you have to mention salt and vinegar crisps *drools* 😂
Glad the thongs are acceptable, chat about them or anything else as much as you like, if people don't like a diary's contents they are free to move on 😊
Though I too didn't know if you meant knickers or flip-flops 😁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
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"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇2 -
Enjoying all the flipping and flopping in here … 😉
I’m in a strange, somewhat liminal space today. Since starting the food mindfulness counselling I have been consciously trying to make more time for me, for fun, for self care. The two main results seem to be an arising of great gobs of anxiety and guilt about things past (from all eras of my life) and secondly more joy and ease, which is a strange combination. 🤷♀️😉😊 I realised yesterday that it is not even a year yet since I left the horrible job (end of last September) and it’s perhaps not surprising that my head is not straight yet. I am thinking that the self care etc. has allowed the knots in my psyche to start unravelling and that’s what all the ‘gobs’ are - for me I see them as being like belches of gas from a badly digested meal - not pleasant to experience but don’t linger long.I have been reading quite a few books about permaculture lately, which has led me to a book called Braiding Sweetgrass by Robin Wall Kimmerer. It’s beautiful and is really speaking to me in its exploration of how an understanding of and respect for science and honouring the innate truth of traditional native beliefs can be held at the same time. There was a piece this morning about pouring out the first bit of the coffee pot with appropriate words as a thank you to the land and the water by her father when the family was out camping. She asked if this was an old tradition and was told that no it wasn’t - it started as a means to clear the ground from the spout - she found this prosaic and the memory lost its magic for her. Some weeks later, her father, having thought some more, told her that over time it became a thing to do - she reconnected with the memory and the intention behind the action. Then I read:
”I remember the words of Bill Tall Bull, a Cheyenne elder. As a young person, I spoke to him with a heavy heart, lamenting that I had no native language with which to speak to the plants and the places that I love. “They love to hear the old language,” he said “it’s true.” “But,” he said, with fingers on his lips, “you don’t have to speak it here.” “ If you speak it here,” he said, patting his chest, “they will hear you.”This ^^ literally made me cry just now … Just beautiful. ❤️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 -
I’ve read the same book and often go back to it when I need reconnecting to a slower and more conscious life.Love 🐞
Grow your own: £14.661 -
ladybird1106 said:I’ve read the same book and often go back to it when I need reconnecting to a slower and more conscious life.Love 🐞
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 -
I loved that book! I rarely re-read a book but I really think that's one I'll go back to. It was lovely to listen to on audiobook before bed, when I was just finishing uni and trying to get my mental and physical health back on track. I loved her book on moss too, but braiding sweetgrass is something special!
Debts 04/01/25 01/07/25
Tesco CC £6,509.97 £5,945.00
NatWest CC £7,612.74 £7,155.00
Lloyds CC £6,112.60 £5,215.00
1st Direct CC £176.03 £4.50
CC total £20,411.34 £18,319.50TSB OD £500 £0
1st Direct OD £600 £250 (0%)
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £9,451.62
Total £36,195.78 £32,021.12
EF £300.002 -
rachmac3 said:I loved that book! I rarely re-read a book but I really think that's one I'll go back to. It was lovely to listen to on audiobook before bed, when I was just finishing uni and trying to get my mental and physical health back on track. I loved her book on moss too, but braiding sweetgrass is something special!
Busy day today.
- Watered greenhouse and some remote parts of the garden that are really starting to gasp now
- Wrangled Mr KK’s washing on and off the line, all neatly folded and he took upstairs 👏😊
- Cleaned dining room windowsill. Titivated the houseplants that live there.
- Cleared, organised, cleaned etc etc the desk in the office. There is MUCH more to do in there but it does feel good to have made a start.- Financial updates done, paid CC, no OP possible this month after pay day due to house, clothing and cat spends but still have 6+ months of EF 😊 (That seemed impossible when I first started here 😊), latest YNAB sheet set up for June
Feeling quietly satisfied. It’s quite amazing how uplifting all the cleaning and clearing around the house that I have been doing is. I’m finding it much easier to do atm - like I have the metal bandwidth for it again.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.8 -
6 months EF is amazing. 🤩I 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.3
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