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Mortgage free in Forever Home :-)
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Thanks @beanielou, @PennysIntoPounds, @Brewerspride 😊
I remember you saying about this. Nature loves a niche … 😊❤️🤩debtfreewannabe321 said:
We had all these in our second but last house. I made a bucket pond for wildlife as a bit of a lockdown experiment with the kids and didn't expect much to come from it (was literally a huge bucket about 60cm or so across and a couple of ft deep) but we had frogs, toads, newts and dragonflies all in the first summer 🤩 and we got tadpoles too, the kids were so excited! I want to do the same here too as I realised they don't need a massive home, some are happy with a flat (bucket) instead of the mansion (lake) 🤣.KajiKita said:
Amphibians of various types seem to do quite well here. We have frogs, toads (though they live here, they never spawn here 🤷♀️) and newts 😊skint_spice said:I hope the frog family settle in well 💗
KK
We had a fabulous meal out last night. Really good food and we enjoyed each other’s company too ❤️
Trundled over to Hay today and we both bought books, but I was quite restrained, my pile is on the right …
I really focused on books that would be useful (that I could learn more about succession veg growing from, vegetarian cooking) or books that would bring me pleasure (a couple of children’s books - the secret garden and the house and in the woods and on the prairies books as I want to reread both of them). I deliberately left books that ‘would be good for me’ that I typically buy … I end up not reading them and they make me feel guilty … I am slowly thinning them out of my collection too.
Mr KK wants a chippy tea, as lunch today was okay but didn’t feel like a treat to him. That’s fine, less cooking for me! 😉
Just waiting on the Toscos delivery and then I can do the run out to the chippy and we can curl up in front of the fire tonight 😊
KK
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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 -
While we were in Hay, we popped into the crystals shop at the top of the main car park and I chose these for my birthday present from Mr KK 😊 They are Charoite and said to be good for spiritual growth, emotional healing and physical well being, which is something that is surfacing as my primary focus for 2026. (I’ve been doing a lot of thinking lately, about how I want my life to be and how I might act to change it.)
The chippy tea tonight will be the last of my birthday ‘celebrations’ as my ‘friend’ with the uncanny valley, ‘ironed allotment’ wants to come over tomorrow and I have offered to feed her lunch. This might sound brutal, but I will be watching this interaction with her, to see how it makes me feel. She may become another friend I disconnect from…
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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 -
Gorgeous crystals!
I love purple ones, fluorite and amethyst are my go tos...I've not heard of your one I will look it up.
I also watched an interaction with my friend the last time I saw her, I literally felt like I was the observer in the room 🤣 she always lets me down/ makes snarky backhanded compliments/ suggestions or comments and I feel down after every meeting with her. DP made me aware of that and so I observed to see what he meant - he was right..she left happy and uplifted and it took me two days to recover from her draining me. I didn't see here again...when she made excuses I just never followed up. 😁 I felt better for not seeing her which is very telling.7 -
Yes, beware of blood-sucking ghouls! Quite right to cut them out. Love Humdinger xx2
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Vegetarian Kitchen was my very first veggie cookbook - Sarah Brown is the author I think? Someone who knew DH through his work, worked in a veggie cafe, and thought I might find it useful. I passed it on some time ago, but when it was written, much like Rose Elliot, veggie cookbooks were in a minority. It certainly got me started, and helped me to be a little more adventurous.
Is the vegetarian cafe/restaurant still in Hay? I can't remember the name, but I think it's been there a long time. It's been many years since I've visited, but I think DH and I had something to eat there...... is it the Granary? Or am I making that up?
Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend November 2025 - cash £0/£150 MrS vouchers £0/£59
Non-food spend November 2025 £0/£50
Bulk Fund November (month 11 of 12) £0/£35.201 -
The Granary is still there but it’s not purely vegetarian any more, but it’s a good compromise option between myself and Mr KK (omnivore). He keeps wanting to ‘try somewhere else’ so we ended up in a place called the cosy cafe - it was okay but incredibly noisy and the food was not Mr KK’s style at all! 😂😂Greying_Pilgrim said:Vegetarian Kitchen was my very first veggie cookbook - Sarah Brown is the author I think? Someone who knew DH through his work, worked in a veggie cafe, and thought I might find it useful. I passed it on some time ago, but when it was written, much like Rose Elliot, veggie cookbooks were in a minority. It certainly got me started, and helped me to be a little more adventurous.
Is the vegetarian cafe/restaurant still in Hay? I can't remember the name, but I think it's been there a long time. It's been many years since I've visited, but I think DH and I had something to eat there...... is it the Granary? Or am I making that up?
Greying X
There’s another purely vegetarian place that has opened up but Mr KK strode past it vigorously! 😂😂 If I’d been there in my own I’d have gone there 😊😉
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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.2 -
Sorry I seem to have missed your birthday! Belated birthday wishes and I love that jewellery 💗Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2
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