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Saving lots in pots!

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Comments

  • It's full moon tonight. I never sleep well on them, so just in case you don't and wonder why might be same reason. Love the fact you've got so many paintings on the go. I bet they're beautiful and so therapeutic for you ♥️
    MORTGAGE BALANCE January 1st £118,267.06

    Savings:-
    EF:- £1300/3000
    MOP:- £452.23/ 1200
    Ski trip:- £200/1200
    Driving lessons:- £200/1200

    Debts 2025:-
    Car- 0/12386
    Carpet - PAID 🎉
    NSD March -9/20
  • KajiKita
    KajiKita Posts: 6,480 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I finally slept well last night. I had identified what was causing me anxiety - I think just doing that helped 😊

    KK
    As at 15.03.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £239,814
    - OPs to mortgage = £10,327 Interest saved £4,584 to date
    Fixed rate 3.85% ends November 2029

    Read 8 books of target 52 in 2025, as @ 1st March
    Produce tracker: £16 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. 
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    I'm glad kk you slept better. I slept better too. DH woke me 3 times but I was able tired her back to sleep. That was the problem I would wake and not be able to go back, so I'm sure it was the mushrooms! Crazy to think a drink I was having before 10 am would affect me in the night. I might try a half dose, because I think it helped my focus in the day! 
    ♥️ ♥️ ♥️
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    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    🌻🌻Gratefuls 🌻🌻
    The dog didn't wake me up this morning! Woohoo 
    Up in time to see a beautiful sunrise
    Work today
    Time this morning to meditate


    ♥️ ♥️ ♥️
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    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,155 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Glad you’re feeling better Flowers. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 15 January at 4:50PM
    Thanks sya. 

    Been to work this morning and now banked the money I earned this week and allocated to its various pots and I'm now where I was on Monday 😂😂😂 ie, broke!
    But I have played around with my shares a bit sold a few and big a few and added £20. I only have a very small amount rant in my stocks and shares iSA. Some is in a s&p 500.some are in for the high dividends and a few are there to see how they do! 
    Like my planitir shares I bought at the right time last year. They are up over 400% but it's not huge money as I only bought 5 shares 😂😂 still it's all good fun. I have another one I've bought just before Xmas and one today, let's see how they do!!

    💛💛Gratefuls💛💛
    A new patient today, 96 years young and a really lovely gentleman.
    Bright and dry day, no scraping the windscreen! 
    Hm soup! 
    ♥️ ♥️ ♥️
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    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Thursday, 
    Got into the studio few a couple of hours this morning. I'm enjoying spending time painting again. Even thought it is jolly cold out there, 4.7 degrees when I went out. 
    I have a bird feeder hanging from the eves and the birds have found the sunflower hearts, today I saw a great tit, a blue tit, a long tailed tit and a robin, close close, only about 2ft from the window



    🐦Gratefuls🐦
    Watching the birds come to the bird table
    Having a salad with over 10 diff fruits, nuts and veggies ~I am enjoying having a lot more salads and sun to carry this on at least twice a week 
    A good book, just finished my first off the year, 24 to go 😉

    ♥️ ♥️ ♥️
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    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    busy morning
    Tip trip booked for 10.30 and filled the car with bits and bobs from the lean too, mosty broken bench, broken garden shredder and broken wooden wheelbarrow, and then lots of other carp.
    Added 25 to my decluttering total
    which is now 204 / 2025 and on target!
    When went into the studio for a tiny bit, but blooming cold. Then went swimming with DD, managed 22 lengths fairly easily, would have been better if I had taken my inhaler!

    I was working out how far away we are from being mortgage neutral this morning and it seems to be about 5k. (Current mortgage is 54 320) I dont think for a minute that if we were that we would use the funds to take out the mortage. Well actually I pretty sure I would do that, but MrFP is rather risk adverse and wouldnt like to remove all savings. I did point out that the money from the mortage would soon add up and rebuild those pots!! Anyway, interesting thoughts to ponder!!

    ♥️ ♥️ ♥️
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    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 18 January at 3:07PM
    🦄🦄Gratefuls🦄🦄
    Swimming with my DD, although I drive her here and there, we dont actually spend much time together as she is always in her room!! So thats nice
    Central heating ~ sopleased we have a good way to heat the house and keep us warm!!
    Seeing the birds on the feeders
    ♥️ ♥️ ♥️
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    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Been a bit quiet as life has been busy! 
    Had an annual review for DD at her college and it was actually good. We have had such an awful experience with education and the county Council over the previous 5 years. But today was refreshing, they wanted to listen and DD wanted to talk. Win win! I am hopeful the paperwork will come back as a userable and actually relevant document!!
    Come home and I'm wiped out! I think I was more stressed over this meeting than I realised. 

    I need to get in the studio and paint but I'm cold and tired so I've been putting it off.!!

    3 jobs
    Gold leaf on 2 painting
    Edging on 2 paintings
    Next layer on another painting!

    Maybe this way I will do them
    Ooh I've had an offer on an ebay item. Need to decide if it's enough! 
    ♥️ ♥️ ♥️
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    Decluttering 2025 So far 403 / 2025
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    ⭐My rambling savings Diary ~⭐
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