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Pulling my frugal pants on.
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Sounds both productive and effective 😊
The dinosaur top for your husband made me smile ❤️
KKAs 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 40 books of target 52 in 2025, as @ 29th 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.1 -
🤣 the dinosaur 🦕 jumper is for me KK.Love 🐞
Grow your own: £14.662 -
Frugal day so far .
frugal wins.
1. Used nature’s tumble dryer.
2. Lunch was provided by dad.3. Tea was leftovers from the fridge and hummus leftover from lunch.
4. Dad is no longer able to drink beer(gas🤨), so he’s sent what he had left for OH.
5. He also sent a couple of shirts that no longer fits.
love 🐞
Grow your own: £14.664 -
Today will not be frugal as it’s the dentist , urgh! Teeth given an extra clean, not that it will make the slightest bit of difference 🤨. Well except in my head.Love 🐞
Grow your own: £14.663 -
Dentist was almost a in and out job, super quick. £26.75 .
frugal wins
1. Dentist was painless , no work required 🥳
2. Managed to stay away from the sweetie shop 🥳 even though I really really wanted sweets.
3. Free fruit 🍇 and blackberries from the plot. A single tomato 🍅.
4. Some leftovers from tea which will feed the youngest in the future.
love 🐞
Grow your own: £14.664 -
Oh congratulations on the dentist! 🥳 See that extra careful clean made all the difference! 😉😂
Unlike my poor colleague who has an infected jaw after a really horrible extraction and needs two root canals, one either side of the extraction! 😳 How he is even functioning I don’t know …
KKAs 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 40 books of target 52 in 2025, as @ 29th 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.0 -
KK My fil ended up with a virus that attacked the valves of his heart after a tooth extraction and has had to spend a couple of months in hospital having them replaced. He’s got to have more teeth extracted soon and has to go to a specialist dentist.
Today I’m meeting up with the eldest and spending a couple of days with them, but before that I need to take mil to the sm, get the youngest and miss giddychops to my mums before I go. Walk miss giddychops. Then motivate myself for the drive. Although I’m looking forward to it, part of me wishes I was stopping at home as I’m shattered. Plus I can’t see the next couple of days been frugal🤨. On a more positive note, checked the UC portal and we have a message saying we should continue to get uc until the youngest is 20🥳. Thanks everyone for encouraging me to query their decision. Panic mode deactivated. OH and I have talked about what we will need to do over the next couple of months ie emergency diy jobs and things that are not essential ie we were going to replace the carpet in the room the youngest is moving into. The youngest has asked to keep the carpet as the wooden floor in their room hurts their feet and has no traction. Major saving 🥳. TV licence is definitely going as we won’t have a tv after this weekend, however the youngest has said they want it so they will pay for it instead. Agreed that we will no longer buy organic or ethical food etc as it’s just too expensive. Bills wise we are going to bring one of the water butts back from the allotment and hook that up. Gas and electric needs looking at but not sure if savings can be made due to the nature of the youngest disability and the need for warmth. Insurances are carefully looked at each year. Petrol is another possible saving as the youngest is considering using the bus for college but we’ll see how their fatigue levels are. Mobiles are on the cheapest tariffs although I do need to transfer the youngest over to them, so that’s another £10 saved. Hmm that is only £23 odd saved so far , just another £475. Might have to look at what we save each month. I save £150 but £100 of that is the youngest money , which is for a new electric wheelchair. So that would be £50. Right need to motivate myself for the rest of the day.Love 🐞
Grow your own: £14.663 -
Sm shop £101.17, slightly over budget, paid using the bagged upped coins from my drawer. Stood for quite some time slowly feeding the coins into the machine. I’m not prepared to lug £300 worth of coins to the bank, so using it to pay for shopping. Need to check the weather for where we are going and pack.
love 🐞
Grow your own: £14.663 -
Just catching up 🐞 that's fab news that the UC will continue for a while longer!
I had a little laugh when you said you'd downgraded your DH bread...I did the same here and got moaned at. But they eat 4-5 loaves between them a week 🤨 so 50p savings on each one all adds up 😂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
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Glad that it is 20 not 19. Still giggling at the dinosaur top though.I was really grateful that our eldest decided not to go to graduation. So expensive and we would all have hated it. Mind you I didn't go to mine for my MSc, partly because I was very pregnant with the eldest!My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1
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