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So close, we can smell mortgage freedom!

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  • themadvix
    themadvix Posts: 8,785 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I can't say I noticed anything about the bread. But American bread is enriched. But it wasn't noticeable when we ate 'proper' bread in the US either (the Walmart sandwiches, however, were utterly, utterly vile - we were desperate by that point though).

    I didn't realise that was why Nigella converted plain - I though, like me, she couldn't be bothered to keep two lots in the cupboard!
    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


  • badmemory
    badmemory Posts: 9,696 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    It does save space doesn't it.  I "bumped" into something she'd written & what a bump that was.  Then I realised that one make of sr flour gave me the bloat & that was me also completely converted.
  • themadvix
    themadvix Posts: 8,785 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Morning all,

    We had to cancel dinner with our friends as Mr MV is not well. We think he picked something up at the dinner in London and is dizzy and naseous. Such a pity as we were really looking forward to it. We'll rearrange for March or April (friends are away end of this month).

    So no hangover for me. I am going to get down to the allotment - some weeding/mulching to do and I'm going to take some tools and try to get my head in gear about infrastructure. I'm beginning to get a clearer idea of what I want to do, but unfortunately I think some of it is going to need some money spending - I do have funds allocated for this though, so hopefully it'll cost less than that. Also need to order some replacement asparagus spears - will get from Crocus to get 8.5% TCB. Have ordered a sign for my plot from Etsy this morning - took ages to decide as the nicest ones were £20 and I wasn't going to spend that! We have to have a sign with our plot number and I think the one's with people's names on are nice as they help engender community.

    Well I'm heading off, so have a good day all! (Where has the sun gone today?! Might take tea-making stuff with me!)
    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


  • newgirly
    newgirly Posts: 9,349 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 11 February 2023 at 1:40PM
    Oh dear, hope he feels better soon 🙂
    MFW 67 - Finally mortgage free! 💙😁
  • Late to the party but another here who thinks Subway are much over-rated. As for the doughnut place, if we're talking about the "krispy" one - I can't eat them - they are just so sweet they give me an almost instant headache! 

    Hope Mr MV is recovered now and that you are able to rearrange the dinner  - always disappointing when plans have to be changed like that, but obviously can't be helped. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • themadvix
    themadvix Posts: 8,785 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Afternoon all,

    Thanks NG and EH - Mr MV is much better now. It must have been some sort of bug as it persisted most of the weekend and he was really tired after the football on Sunday, but at least we made it to that.

    Saturday I spent some time at the allotment in the morning - I cleared out loads of stuff from the shed as I'd not used it and if I've not used in the first year, I doubt I will. It's looking *much* clearer in there and I can see a way forward for it now. Also spread some compost, did some weeding and generally enjoyed being there.

    The football was good (Utd won) but the food was definitely more expensive at Spurs than at the Emirates. That said, you can see why - it was a very posh stadium and they haven't sold the name to it, so they've got to pay for it somehow. We're off to the see the Lionesses in Coventry on Sunday, so it'll be an interesting comparison (and then, no more football for a while - nothing in the diary at least). We ended up with takeaway on Sunday night too, so not a good weekend cost-wise (Mr MV paid for that though).

    Yesterday I had Niece for the day and we visited a friend. Low cost day as she fed us lunch, so we just took some treats to enjoy (£5). And better still her wonderful Indian husband sent me home with some daal.... it was delicious and I was very grateful for an easy dinner! Served with a splash of cream, rice and flatbread, it ticked all the boxes. We also had chocolate pud for dessert, cooked at the same time as Niece's dinner (and turned off 10 mins before the end so as to minimise use during the Octopus saving session!). Did also pop into zero-waste shop, but that was for actual shopping, so different budget. £12 spent there.

    Today I'm catching up on work, enjoying not having Cambridge work (I enjoy it, but it's always 'there' IYSWIM - my work is done and finished and straight off my desk, academic stuff is seemingly never finished!) and cat sitting. 

    MS things:
    * Couple of ebay sales for the other mini fund - but I'll convert the postage
    * Listed a few bits on ebay at the weekend
    * Have collected some bread items (and two pain au chocolate) this morning from Olioer - breakfast and lunch covered (and a few more days of lunch too)
    * We don't do Valentines as it's our 'got together' anniversary on Friday, so no overpriced nonsense here
    * Olioing tonight as an offered favour for my Olio friend - she's in need of a quiet night!
    * HW and clicks. Have emptied WH as I was stuck at £4.88 and had been for months. Will transfer to savings.

    Gratitudes:
    * Enjoyed the football and Mr MV was well enough to go
    * Lovely day with Niece yesterday and great to see friend. Niece and her little boy get on *so* well, especially considering they only know each other from a few days when we've got together.
    * The daal for dinner last night - friend's husband is a genius in the kitchen 
    * The feeling that my work might actually get done and finished (temporarily) today. Will be so nice to feel entirely caught up.

    Have a good afternoon all!
    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


  • themadvix
    themadvix Posts: 8,785 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Morning all,

    Relatively small Olio last night, but enough to keep a sandwich and pastry for Mr MV and some grapes. Some use by bits weren't collected either, so we'll be having stir fry for dinner and I'll have a jacket potato with the tuna and sweetcorn mix for my lunch. Have frozen some piri piri chicken pieces too.

    Have just ordered replacement asparagus crowns - glad I hadn't got around to it before, as I was able to take advantage of TCB's £3 bonus when spending £5. Currently waiting on £11.22 cashback, which is a lot for me!

    I deliberately didn't sort the flat battery on my car last night - forcing me to cycle to two lots of cats today (and if it's OK, also tomorrow, otherwise we'll get the car started tonight). Quite excited about the prospect of looking at the e-bike at the weekend (need to discuss this with Mr MV and assuming he's OK - the dizziness returned last night, we think he overdid it on Sunday) - it would just make all the difference with the hills here!

    Have come to the conclusion that while I wanted to wait for a bit longer, I need to replace my phone. I replaced the battery last year, but it's already degraded quite a bit and it only lasts until about 3pm - we wonder if this is due to the older chipset/older software taking its toll on battery life. It is an iPhone 7 so pretty elderly and I've had it since 2019. I will replace as a business expense and it will be a refurbed one - looking at a 12 mini (I was going to get an SE, but the 2020 one is very cheap but won't have the longevity of the 2022 one, but that's still really expensive as it's not very old - and I don't really want to hobble on until Sept/Oct for the next release, when secondhand prices will come down). Need to check what's in my business savings account (Just looked £237 - it took a beating from the laptop replacement). Mr MV has sent me a referral for BackMarket so that's £10 off and I should get £40 for recycling my current phone.

    MS things:
    * Two small PA surveys
    * HW and clicks - absolutely nothing on the HW today, but it goes like that sometimes
    * Still ploughing on with work from main client (except I've not actually started yet this morning)

    Gratitudes:
    * Sunshine - keeping the battery topped up and me warm!
    * Friend is coming here for a cuppa tomorrow afternoon - saving me the journey to hers
    * Lots of work

    Have a good day all!
    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


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