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savingholmes said:Glad your neighbours help with the bins BM. You can sign up for extra help direct with the council if needed.
The great news is that since my hip replacement last year I no longer need much help at all, highly recommended. I just need to get my brain to get me to move more as I got too used to not being able to exercise so much. My mum lived to 90 so I am aiming for at least 95 so 17 years to go.
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Sounds like you've been busy with your garden - it will be lovely for you to enjoy it this summer.
home made lemon curd sounds glorious.6 -
Hello lovely visitors - thanks for popping in!Good saving there SH - we popped in earlier on but came out again empty handed for now - we just went in to price up a few bits to compare with elsewhere this time.ES The superfeet insoles are pricey aren’t they but on the other hand if you get more wear out of shoes as a result of them then we’ll worth it - this is my thinking with the Enert0r ones - they will mean I can wear the boots I have rather than having to start looking AGAIN for more comfortable ones, so that in itself will be a saving. I’d baulk at buying them at full price though - ouchy! I am also finding they work well in my older walking shoes which had started to lose support inside too, so again that’s a win.BM how lovely of your neighbours with the bins - that’s such a nice thing!Well, the garden is coming on apace! Lovely Steve the handyman came round today with assorted tools, got all the slabs on the section of patio we wanted lifted (eventually - some of them came up with massive lumps of concrete attached which made the job rather harder than it needed to be) and managed to break out two thirds of the concrete base too - and then we hit the section which was not prepared to play ball….sigh! More thinking required on that bit - it might be that if we can break out the base below it it will then come out a piece at a time if we can hit it hard enough with a lump hammer - but that might be trial and error. In the meantime though we have lots to be going on with to keep us busy as it is going to take a heck of a lot of prep work to get it plantable! We’ve already filled 5 woven log-sacks to the heaviest MrEH can carry, and 4 smaller rubble sacks with as much as they can cope with, with rubble and chunks of concrete and the smaller bits of slab. We plan to go through the broken out slabs and see what we think we can use elsewhere in the garden - while Steve was dealing with the patio area I cut out a strip of grass where we want to extend it slightly at the house end - that will just be built up with loose slabs for now and is where we plan to put herb pots. Some more of the salvaged slabs will go to the other end of the garden to slightly enlarge the path at that end. We have 2 tip runs booked on Monday to get rid of as much as possible of the rubble and any slabs we’re sure we can’t re-use.Other jobs done today include sorting through the seed box and getting some more odds and ends sewn. Some very old sweet pea seeds have been used up - they may well come to nothing as they are very out of date, but we’ll see. Some similarly ancient nasturtiums have been sown in pots in the front, and while I was out there I also used up my saved aquilegia seed from the plants we had at the flat, and sprinkled a packet of cornflower seed as well. I’ve sewn a pot of chives, and MrEH has done a seed tray with Swiss chard - again old seed, but we have some brand new as well so if it doesn’t germinate we will re-sow. The main thing we were astonished by today was how lovely and warm the sun was - for much of the day while I was doing bits and pieces out there I was absolutely fine without a hoody on, although the temperature did drop down quite chilly again later on.As predicted we’ve gone over our grocery budget for the month, but it was mostly buying the two planned hams that took us over and we’ll get a lot of meals from those. Ideally I’d like to get them both cooked together - MrEH has requested that one of them is glazed and baked so I will probably do that with both this time - so they’ll go in the slow cooker again with our usual spices *if* they will both fit, then we’ll transfer to the oven, one with treacle and mustard and the other probably with marmalade.Tomorrow we’re heading off adventuring on our planned trip to Suffolk which we are very much looking forward to. There will be lunch in the cafe at Minsmere, and tea from the chippy at Aldeburgh, and I’m thoroughly looking forward to a bit of time by the sea!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her9 -
Enjoy the sea.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
Ooh, sounds like good progress all round 😊😊 Enjoy the seaside!5
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Enjoy the seaside
for some reason I am getting an image of Dusty Bin being taken out for a walk.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#latest5 -
Gosh, you have both been busy. Enjoy today and hope you’re not too achey.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1245 -
Enjoy your trip to the seaside"If you can dream it, you can do it". Walt Disney4
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Hope you have a lovely time5
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Well done to you and Steve on the garden progress.
Enjoy your time at the sea! Post a photo - so we can enjoy it too...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/254
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