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Pulling my frugal pants on.

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  • Additionally we have become members of the Scottish national trust as it was about £16a year cheaper.
    Love🐞

    Grow your own: £14.66
  • KajiKita
    KajiKita Posts: 7,565 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Daydreaming about eating asparagus in may KK. 
    LOVE 🐞
    Oh sorry! 😂😂 Your day dreaming was so effective that I could ‘see it’ from here! 😂😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 38 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 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. 
  • I love asparagus, it is so expensive though. Would love to grow my own. It always reminds me of the time my friend got offered a nice council house, I went along to view it with her and she thought the land was plagued as there was green pointy things sticking tall out of the ground. I had to explain to her it was asparagus :joy: we had a bit of a giggle about that one lol... She was so lucky the people who lived there before were keen grow your own food gardeners, they had a whole tonne of things popping up to eat as well as fruit trees and bushes! 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Love your story debtfreewannabe321. 
    House of pestilence 🤒continues, mum woke up this morning with a really bad cough. She decided to go home since the youngest isn't going to college this week, just wanted her own bed. 
    Mortgage broker been in touch and everything is sorted, so will hopefully be able to finish that off tomorrow. 

    Frugalness 
    1. Supplements were buy one get one free. Went to the till twice as one item was £10.99 and the other was £20.99. I was not going to let them do the 2 cheapest items as my freebies. Saved £10 plus £2 voucher.
    2. Mum dropped me off in town and I walked back-saved petrol
    3. Managed to find a karrimor base layer in Cs for £2.50
    4. Lots of free exercise with miss giddychops🐕
    5. Plot plan completed, sowing schedule written, roll on springtime. 

    Grateful for 
    1. Been able to do mental maths 
    2. My knee holding up with all the exercise I'm doing
    3. Not been ill............ yet!!!!! 
    Love 🐞


    Grow your own: £14.66
  • Hope you manage to avoid the lurgy and your mum feels better very soon.  There seem to be so many chesty bugs around at the moment xx
  • Oh no so sorry the bug is doing the rounds in your house. Seems to be here too, not in my house yet but lots at work with a bug. I need to be organised like you and make a plan for planting. I am more "do it as the mood takes me; spontaneous" in my gardening I am surprised anything grows. Especially food. my DP parent's are well into their 70s regularly walk 5-6 miles a day, had 4(!!) plots at the local allotments and it was absolutely rammed with food. They had calendars, plans, seeds, greenhouses etc and knew when everything needed planting and harvesting...I wish we were closer to them, I would love to learn some of their wisdom on it all. We only grew flowers in our gardens growing up so I have no organisation about this at all, yet still want to / have the dream of growing my own every year.
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • ladybird1106
    ladybird1106 Posts: 802 Forumite
    500 Posts Photogenic First Anniversary Name Dropper
    edited 8 February 2024 at 12:16AM
    Took it easy today as my knee is tender and have felt tired. Sorted out CTC as we have been told to move onto UC. Hopefully we don't owe anything, DH had some back pay close to the deadline, so who knows. Took an hour and 15minutes to talk to someone. Good job I rang as I had included an additional months wage, lovely man on the other end pointed out my mistake.
    Mortgage application is almost sorted and 1st years op is already in the bag waiting till the new deal is in place🎉

    Frugalness 
    1. Made leek and potato soup (ingredients from the plot)
    2. Traded more books via ziffit, £8.70
    3. Ocado bulk order arrived (£24.95 saved). 
    4. Lunch was leftovers
    5. Rebate of £27.30 from water company
    6. 3 buckets of water saved, 1 each from each shower taken to flush the loo. 
    7. Used nature's tumble dryer 

    Grateful for 
    1. Been in a warm house when the snow arrives tomorrow. 
    2. The eldest has been invited to an interview for a PhD at their current uni. 
    3. The man who worked in CTC department. 
    Love 🐞


    Grow your own: £14.66
  • Forgot to say I've sown celeriac seeds today🎉
    Love 🐞

    Grow your own: £14.66
  • Love your gratitudes LB, I am also grateful for the warm house today. Can't imagine being outside too long in this :cold_sweat: 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Flying_By
    Flying_By Posts: 274 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Loving my warm house today as well, I've not ventured outside at all but I'm going to have to at some point tomorrow.  Your in-laws sound an amazing team, some couples seem to be born just knowing how to do things!
    Super news about your eldest having his first PhD interview, I hope all goes well for them.  I hope your knee feels better soon x

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