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plodding along one step at a time

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  • 3 down 3 injections to go. Energy levels are still pretty low but I am seeing some periods where I feel more energised which is probably from the additional iron and vitamin D. 
    DD1 came home for a couple of days to help out which was very thoughtful of her. She's hoovered, helped in the garden, emptied and loaded the dishwasher several time to name but a few jobs. I think she's gone home for a rest. Rewarded her by making her her favourite tea and pudding with extras to take home.
    Most meals are now been supplied by the alloment and only occasionally been added to from the cupboards. Hoping the food budget will be low this week. I've set up a 3 week meal plan based around what will come of the allotment. I've managed to freeze 3 meals for when we go away, just need 2 more and the rest will be fresh stuff (salad). Really need to create some more space in the freezer as there is alot of blackberries ready. I need to look into some more recipes 
    Managed to alter DD1 jeans, recycled a dress from a charity shop and made it into a top for DD2, still need to alter some walking trouseurs but that can wait for now.
    House insurance with our current provider has come in at about £196 which is less than last year, but will look into whether I can get it cheaper. I think we might be able to pay an addtional £25 on the mortgage from the numbers I've looked at but I think I will see how things pan out over the next couple of weeks before I commit. Need to keep a tighter rein on the finances and channel my inner frugal fairy. Main areas of savings still seem to be around food and  the water bill. Trying to keep the petrol bill low but finding that harder due to issues around fatigue. 
    Keep cool everyone.
    CRx
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,500 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sounds like you've been productive! Glad DD1 is able to help a bit.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your DD turned up to help.

    Impressed with your sewing skills. 

    You aren't the only one who needs to channel their inner frugal fairy.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • 4 down, 2 injections to go she says as she yawns loudly. Allotment is very dry, but more importantly almost weed free. Lots of direct watering is keeping things ticking over. Allotment neighbours keep trying to palm off their surplus veg to me , at least we've not got people secretly leaving us stuff YET! Hoping by the weekend we'll have enough toms to make some soup. Last available space is now nuturing mustard/mizunza and spinach. Hopefully it will all emerge after the heatwave. We have a bit of a lull in sowing seeds but then it will be time start again to sow spring cabbages, broad beans and cauliflower to over winter.
    Went shopping yesterday and managed to keep it under budget. After seeing the news yesterday about the gas/electric price increase I've decided to not increase our mortgage over payments even though it would put us in a better place in 2 years but I just don't think we can stretch our budget anymore for now..
    WEnt to see a very close friend yesterday and took her some herb (chamomile/thyme/orgeano/sage)planters that I had sourced from our garden. We've got mass of large plant pots which are just to good to throw away, so managed to find her 4 matching ones. .
    Dad has had a new pond put in which my BIL did, however dad had wanted the hubbster to do it as its something he has done as part of his job. The BIL decided to take it upon himself to put it in by himself whilst dad was on holiday, which dad is grateful for.  However dad has discovered that BIL hasn't tampered the soil down and when dad put more water in the pond,it overflowed and created several large sinkholes. THe hubbster is not going to be happy as we had plans for Saturday daytime and dad has asked if we sort it Saturday as we are all getting together for a BBQ on the evening time.
    The hubbster has managed to fit the new back door to garage, it was his mum's back door. She decided to get rid of it as it had discoloured and we needed a new door as the old door was developing a hole plus we couldn't let a solid oak door be thrown in the bin. The hubbster has reused the old locks as the new doors locks would mean the handles would have to been upside down (its complicated). We are going to cut the old door up and use the top half(glass window) at the allotment.
    Hope you are all keeping cool
    CRX 
  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you've got a handy OH able to do those kind of jobs.

    I'm glad you're keeping an eye on the energy crisis - I think a lot of people are sleepwalking into it.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • Trying to not fall asleep as the hubbster will be home soon and we are then popping up to the allotment to collect tea and do a few jobs.
    DD2 and I have met up with her friend from college and her mum at the local resevior this morning and managed to find lots of shaded areas to retreat to when it got hot. It was a real eye opener how low the water level was. I wouldn't be suprised if we end up with a hosepipe ban soon. We were there about 3 hours and although it was hot it was really good to get out. 
    Called at the supermarket as we had run out of dishwasher tablets and some how ice lollies wound up in my trolley.
    Other than that not much to report.
    CRx 
  • Naughty ice lollies! 

    I think a water ban is definitely on the cards.  I’ve given up watering my hanging baskets as they were just burning up anyway.  Far too dry.  
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,771 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Very impressed with your sewing skills and glad the allotment is helping feed you. It really will not feel very fair if there is a hosepipe ban stopping all of you with allotments not getting maximum value of your hard grown veg.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I thought there were exceptions for food growing. Also a hose pipe ban isn't a watering can ban. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • was up at ridiculous o’clock this morning to go and water the greenhouses. Harvested more toms and green beans. Already very warm out.
    CRx
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