Fix Up, Look Sharp

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  • Sounds like lovely plans for what is going to be a really nice garden once you've had the time to get going on it GC! 
    🎉 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
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  • Sounds lovely.  The veg plots at the front make sense.  It might be worth digging your selves a nursery bed in the meantime, with the idea being that you have a prepped bed and you 'heel in' any bargains you see, splitting out overgrown etc, or growing on cuttings from friends so you have a head start when you do get to planting.  Two examples, my £4 Acers are the size of the £8 ones for a few months growth, and a single lavender (2.50 or so in B&M) made into cuttings and poked into the soil can give you enough plants to line a path without that much effort.  Doesnt want to be in early morning sun, or full shade though.   Most gardeners like to share I find.  
    That's a really great idea! The tree surgeon is going to leave us a couple of bags of chippings that we can use for mulch to get a nursery bed started and we've got a potting bench in our shed (the shed is very ramshackle and nearly falling down, so it needs a bit of emergency work over the winter). 

    I love lavender and would be happy to have it in as much of the garden as I can! I also love Acers - I'll keep looking out for bargains :)  
  • On the garden inspiration front ....where we live there are several villages which host  "Open Gardens". They're great for getting ideas about what will thrive in the area and also for sourcing cheaper plants (as garden owners sell plants they've grown). I visit a couple near me every year with friends and whilst it costs a few pounds entry fee this is often for charity and it whiles away a Sunday in a lovely gentle way.
    I have a six foot willow tree which cost me £4 in May - I planted it in my garden when it was a foot high and has thrived this summer :-) B)
    This is a great idea! I've joined a couple of local village Facebook groups so I can lurk and see when Open Garden events come up. I noticed that there is a house at the end of the road that often has plants for sale, I will pop down there when we move in :) 

    Your willow tree sounds amazing - what fantastic growth over the summer!
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
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    edited 4 October 2022 at 10:29AM
    September 2022 Round Up 

    Savings

    House Repairs Fund - 47.5%

    Extra Income 

    Prolific Academic - £40.15
    TopCashBack - £44.78
    HuYu (supermarket receipt app) - £5.00 (Amazon voucher)
    Credit card reward vouchers - £11.00 (M&S voucher)
    Credit card cashback - £4.61
    FocusGroup - £15.00 (virtual Mastercard)
    Tax Refund - £1280.00
    Interest on Savings - £38.57 (includes interest on 2 x savings accounts which are paid quarterly)

    Freebies - Laundry detergent (worth £8.00) and soap (worth £2.00)

    No Spend Days

    16/15 for September
    Target for October - 15
  • I've got my appraisal booked at the end of next week ... I'm working on my talking points and evidencing my achievements this year at the moment, but if anyone has come across a good article or podcast about pay rise conversations then please let me know! :) 
  • I've got my appraisal booked at the end of next week ... I'm working on my talking points and evidencing my achievements this year at the moment, but if anyone has come across a good article or podcast about pay rise conversations then please let me know! :) 
    Do you follow Ask A Manager? She’s American so not everything applies here, but I love her blog and she has some great advice on asking for pay rises.

    I think it’s normal to be feeling wobbly about mortgages at the moment, but as  you say you need to be spending to make it liveable. And by doing that you’ll be increasing the value too. With your track history I’m sure that in 5 years you won’t be looking at a lake but a pond!
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • October 2022 Round Up 

    Savings

    House Repairs Fund - 44% - budget updated this month

    Extra Income 

    Prolific Academic - £30.22
    TopCashBack - £9.21
    Storewards (receipt app) - £10.00
    Ipsos Isay - £20.00 (Amazon voucher)
    Premium Bonds win - £50.00
    Interest on Savings - £3.28 



    No Spend Days

    16/15 for October
    Target for November - 15
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