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Camping and food fair sounds like a good time was had by all. I’m not into camping and like my home comforts too much.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 #1246 -
Glad you enjoyed your weekend.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 -
Why have I never thought of waterproofing once pitched at the campsite?! That seems far too sensible, rather than trying to pitch our tent in our garden where it has to overhang the pond! 😂 Thanks for that tip!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 Hemingway6 -
Reading and pottering about weekends are fab aren't they? Especially after having immensely enjoyable and busy weekends an at home few days is something to look forward to.
are you planning any crochet projects this Autumn?5 -
Sounds like a great weekend. Pity it rained for your drive back though.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
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Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up4 -
Vix, I truthfully can't claim it as a tip - in real terms we too would have tried to do it before we left, but we had forgotten we had it until we went to the cupboard for the sleeping bags and there it was! It must be said though, it makes it FAR easier to work out where you want to prioritise spraying the stuff! (See also - "you need a lot more than you think you do" - we used an entire pretty big can and didn't quite get round all the lower bits). Having accidentally done it that way once, we would definitely do so again.
BC I LOVE a "low demand" weekend - and particularly through the cooler months when curling up in a cosy chair and maybe even lighting the fire early are involved! The only thing I have thought about on the crochet front so far is that I MUST do some more dishcloths as several of mine are beginning to unravel a bit and one disintegrated entirely into holes a few weeks ago, so that will be my starting point while I get my eye in, I think!
MAB, it's pretty typical of it to do that though eh - good old British weather! The rain on pack-up time was more annoying to be truthful - although MrEH spread the tent out to dry yesterday and it is now rolled up and stored away again - indoors this time, as we felt that might be better for it.
We are into the financial "dead-zone" of course, albeit with a few odds and ends to think about.
MSE Stuff:
- I will be sailing too close to "diesel roulette" to not feed my car ahead of my next commute in it, so that will be dealt with on Friday probably, and by way of sticking £20-worth in.
- Guessing MrEH will need to Oyster-feed tomorrow
- He will probably elect to fill his car either tonight or maybe tomorrow night
- Banks checked and all OK
- Chimney being swept on Friday so I need to work out where the money will come from on that - the household fund will cover the bulk of it and I can take the rest from the fuel fund I think - as that is after all fire related!
- I also have the boiler service booked for next month - again, the HH account will cover a chunk of it, but I will need to sub probably from the current account surplus, on that. I must remember next year that I do need a surplus build up i the HH account once the home insurance is paid to cover both of those things.
- if H0m3f1re still have their current special offer on bags of logs then I may check how much we have to spend with them to qualify for free delivery and then see about doing an order - it's a decent saving and if we think we can squeeze in ordering 10 bags then it brings it to a very respectable price indeed.
- Heating is being switched on "as needed" now - although the house was nice and warm without it this morning - long may that continue. I assume this was as a result of a couple of days of sunshine.
- The garden gave us another tub of tomatoes and a courgette last night, although the heavy rain at the weekend also produced a lot of split fruit. I rescued as many of those as I could and threw them in with a tray of veggies for roasting last night.
Last night's tea used up two of the beetroot that have been languishing in the fridge, a tin of chickpeas, three small red peppers as well as the split tomatoes and I lobbed half a bag of baby tatties in to roast as well although those will be used this evening. Discovered that one of the HG cukes had gone over, so that is now compost, and the balance have been thoroughly dried and a sheet of kitchen paper inserted into the bag to help them last longer. I also used half of one of them last night to make a quick pickled cucumber to go with tea. The rest of the week may be cucumber-heavy though as they clearly need using up. MrEH has an additional bit of rugby training tomorrow so I need a suitable tea - it will probably be a salad, although I'm unsure what with - must freezer-dive tonight. Of course this also means no pub for him tomorrow night - I may well pop in and have a pint though depending on what they have on!
🎉 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 -
Glad you had a nice time away. Love the phrase "freezer dive". I picture a cartoon superhero diving in and coming out with her goods...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Sounds like you had a great weekend away. You've reminded me to try waterproofing spray for the trainers I walk to work in ready for soggy mornings/afternoons. Also reminded me I have a beetroot languishing in the fridge.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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I still have one beetroot to use as well SA - I buy them with all good intentions then resent putting the oven on for long enough to cook them!
SH - that is of course precisely what I look like when freezer diving. Well, except for the cape...and any notion of actually finding what I went in for!
I do like a Thursday, and all the more so a bright sunny one where I didn't even need a jacket this morning!
Wordle in 3 was a nice bonus especially as I didn't get anywhere with yesterday's (who the heck puts an "H" there in a word which contains NO other vowels at all, I mean...!) Also that MrEH did the washing up last night while I sorted out a wash load.
Last night's food was a triumph - two of the giant faggots from last week's food festival haul, cut in half and heated through in a sauce made from a finely chopped onion, an obscene amount of garlic and some basil. Threw some sweetcorn from the freezer in for the last few minutes as well just to add an additional bit of 5-a-day (although the garlic probably almost counted for one!). Then served alongside the previously roasted baby tatties which were lobbed in the air fryer for about 20 minutes and produced the most glorious fluffy inside crispy outside cheaty roasties! I am now bitterly regretting not getting several more packs of the faggots mind you. I have established that the fark concerned do a monthly farmers market in London so I may have to make a trip to that at some stage.
MSE Stuff:
- The aformentioned bright sunny weather means a wash went on and was hung out before we left for work this morning.
- MrEH remembered to transfer his CC money from the weekend to me
- I have now transferred that over and worked a bit of jiggery pokery elsewhere to clear the CC back to zero - go me.
- Oyster feeding happened yesterday but the car lives without diesel for another day.
- Remembered to get prawns out of the freezer to defrost for tea tonight - those will be cooked off in butter and more garlic, because there may after all be vampires about and one cannot be too careful. Salad with that - hopefully the remaining lettuce from last week will be OK, plus the usual HG toms and cuke. Some of the remaining baby tatties as well, just boiled this time I think (and thrown about in the pan from the prawns because garlic + butter + potatoes makes the world better.)
- I reckon I should be able to harvest some more tomatoes tonight - we will definitely be planning out growing more next year - and some different varieties as well I think, I really want to grow a decent plum tomato in addition to the classic cherry and salad types.
- noted Foxgloves comments about re-using grow-bags for further crops of autumn friendly stuff, so we will in due course be doing that although I'm hoping for it being a while longer before we think about clearing them.
I think I have decided that I will still pop to the pub this evening while waiting for MrEH - I do enjoy it as an end to the week and if their online list is correct they have a beer I would very much like to try as well. I can have my pint then head back to the car ready to meet him back there to head home so that he can get straight out again for his rugby thing.
Oh - and readers of the energy board may have spotted that the Octopods have blotted their copybook well and truly having passed my details to a debt collection company for the account for the flat! I am very unimpressed indeed - I was impressed enough when it appeared that it may just have been my phone number that had mistakenly been attached to the account, but I am now furious as at the very least it is clear that my full name and our NEW address has also been passed on! I have no escalated things to a formal complaint with them, and will see what they come back with. It is the first time in the entire time we have been with them that I have been less than impressed, so it's quite a disappointment.
🎉 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/her7 -
Crikey, that's rotten! 😡 I suppose at least it's you and not someone who will be scared at it, but if it's happened to you it's likely to have happened to others too. Grrrr.4
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