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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
    Have just realised that my phone contract has ended, so have initiated the process of switching to Smarty (where Mr MV already resides) - cutting my phone bill virtually in half from £10.92 to £6/month and I still have free EU roaming (and same network coverage). If anyone would like a referral do PM me - both you and I would get a £10 voucher out of it.

    Work is going well. I won't get to the CS today as they stop taking donations at 4pm and I'm not braving the post-school chaos if I don't need to. However, I think I will probably get a visit to the allotment in. Have also arranged to pick up 8 apples later from an Olioer (from her tree) - eaters I think and probably not enough to bottle, but I might make some rough puff and turn them into turnovers or similar. Another job for (a quiet?) Wednesday!
    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


  • Beans are definitely something we want to find space for again - might be a "pots and canes" effort possibly - although we do have our metal obelisk that they grow well up as well. we grew borlotti beans when we had our allotment and loved having them. 
    🎉 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
  • rtandon27
    rtandon27 Posts: 5,725 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    On the way back from a shopping trip this morning we walked past a half barrel of cooking apples with a sign on it that says 'Help Yourself' - a few houses before that we'd seen three apples chucked on the ground with one bite out of each of them!  I have a feeling the neighbourhood kids haven't a clue about the difference between an eating and cooking variety. 🤣🤣🤣 If I ever get through the blasted pile of 'must be done todays' I might just venture back round the corner and help myself to enough for a jar of stewed spiced apples - goes well with pork shoulder during the colder months!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)
    Psst...I may have started a diary!
  • themadvix
    themadvix Posts: 8,785 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Afternoon all,

    I'm doing well with work so far - one piece down, another nearly there and the last bit is short bit (and I may save for tomorrow). Had an update from my UK-based client - she's retraining but planning to still do some work on the side, so potentially may need more help from me, although she's training to be a teacher, so I'm not sure how realistic it is to continue her freelance work long term. So that's mixed news. (Of course, given its difficulties, she may change her mind about being a teacher too.)

    My plan is to finish this piece of work and get down to the allotment this afternoon to pick more beans etc. before blanching them, pickling the pickles and generally getting up to date in the kitchen. 

    Small Olio collection last night and I didn't keep any of it. I am considering whether to continue tbh. It's getting harder and harder to get rid of the stuff (because the founders haven't negotiated well enough with T and other companies, they are struggling to stay afloat and therefore want users to pay for the service - so now you have to watch an advert or pay up as a supporter before requesting items, which obviously slows things down/puts people off. THey are also trialling quotas, so people can only collect 20 items a month unless they pay - which is not the idea at all when you can't get rid of the bread as it is). People are consistently rude and/or don't read the pop up and my listing *both* of which say 'say what time you can collect in the first message' - it's a key tenet of Olio and *so* many people don't do this. There are still some gems, but the majority just irritate me and it feels like it's probably not good for my blood pressure. The fact I rarely keep anything I collect now is, frankly, a minor point in the balance.

    I have fed Dad's fish this morning and dropped the rest of the Olio bread at the CS - they are always grateful at least.

    MS things:
    * HW and clicks - small win on the HW today, the first in aaaages
    * £20 of S&S vouchers claimed as NT vouchers - giving us some budget for NT cafe visits next week
    * Milk cancelled for tomorrow and while we're away
    * No R'ford box as we've got plenty of our own food to eat
    * Lots of work
    * Smarty SIM has arrived, been activated and my number should transfer tomorrow 

    Gratitudes:
    * Sunshine - making the most of it as while we're away autumn is going to arrive!
    * Godfather-in-law (what else to call him?!) thought of me - Godmother-IL is ill and he had a spare ticket for something and lunch at the British Museum today - did I want to go? Would have loved to and so touched that he thought of me, but just too much work on.
    * Possibility of an RHS day out with friend next Saturday - she can't commit yet, but it would be lovely to see her and we both love gardening.

    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


  • How lovely to be thought of like that - and how kind too!

    I've tried Olio a few times but locally it seems there is very little engagement with T's - if indeed there is any. Just the occasionally listing of stuff that looks like it must be over-purchasing by individuals, and generally that's gone by the time I look anyway, even on the odd occasions it might be something that we'd be interested in. Then adding an extra layer of "guff"  over the top to make it more time consuming really would put me off I'm afraid. I'm not surprised in the circumstances you mention that you're beginning to think that it's probably reaching the end of its time for something you want to stay involved in. 
    🎉 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
  • badmemory
    badmemory Posts: 9,694 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    You are a busy person.  I think the phrase is "I don't need this".
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