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From Frugal Foundations to Fortified Family Future

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  • themadvix
    themadvix Posts: 8,729 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    RT, that sounds like a lot of fun! And I'm with you on celebrating anything (with the exception of Halloween - entirely because of what it's *become*!). I love a fire to celebrate the pagan festivals, and I'll make a plaited fruit loaf tomorrow to celebrate All Saint's Day (it's a German tradition and one I co-opted as an alternative to Halloween).

    Cheery - with you on having to embrace autumn to stop resenting the end of summer. I am not someone who naturally enjoys autumn unless the summer has been super hot.
    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 Hemingway


  • kayannie
    kayannie Posts: 534 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Ouch to your ankle GP - I'm always bumping into/knocking into things & always seem to have a bruise somewhere!  Hope your ankle recovers soon.
    I took an early bus ride into nearest town this morning, hoping for a L!dl veg box, but no, none there - it's at least a month since I got one, but as I usually only go food shopping once a week, that's probably why. This town is 10 miles away, so not worth getting the car out to go more often. The next L!dl is about an hour's journey away so rarely go there.
    I had an awkward job to do yesterday, replacing the lining in my front door curtain. The lining had gone mouldy & I didn't want to waste money on a new door curtain as that would have gone the same way in our damp house! I bought new lining material, removed the old & replaced it. Of course, I had to remove the heading tape too, which sounds easier than it was. Then I had a problem with the bobbin on my sewing machine! I got it done in the end & it looks much better now, but there were a few choice words being said!
    KA
  • Cheery_Daff
    Cheery_Daff Posts: 17,111 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KA, those types of jobs always turn into a whole host of little jobs, don't they?? The trick is persistence, and not giving up when you're 80% through - but that's usually easier said than done! 

    Glad your kitchen is finished Greying! But so sorry about your ankle, what rotten luck 😕 Hope the bruising and pain is going down. Have you got the frozen peas on it? Xx
  • Oh OUCH to your poor ankle Greying - I'm glad it seems to be a little better than feared today, and good plan to move the mat! 

    No halloween type celebrations here - having grown up rather before some parties to the thread, halloween was a thing, but not yet A Thing when I was a child - and we'd have got our ears clipped had we even suggested going from house to house "begging for sweets"! round our way it seems that generally as was said before non decorated houses get left alone by the littlies with Mums and Dads, and we don't seem to get the teenagers coming round either, although that might be a lot to do with the front of the house being generally pretty dark on weekday evenings. (And even darker once I have pulled the curtain across the front door! :wink:
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • Much sympathy on the ankle GP.
  • carolbee
    carolbee Posts: 1,808 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ouch to your poor ankle 🙁
    Carolbee
  • beanielou
    beanielou Posts: 95,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ouch to the ankle. 
    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.
  • Ho hum.  We actually had a postal delivery today.  YAY!

    But on opening, i received my cc bill which was unusually high..... because the breakdown cover had auto-renewed on my card...... 🙄  I have been whanging on to DH for weeks, asking when was renewal, could we get it cheaper, etc etc  I was told "it's not yet, it's not yet".  £164.99 😡  The only reason why we used my card was that we took out the policy online several years ago (we were still at the rental, I remember), and DH's card had been stopped or blocked or something because the cc company had really messed up the address change, or there was some reason like that, so we used mine.  But we've never claimed on it, and it's getting more and more money, for seemingly less and less coverage.  I'd wanted to investigate alternatives - not autorenew!

    And then the other envelopes were the blessed HMRC wanting their overpayment of tax credits back.  Fair do's it was apparent from the paperwork that they would want money back, but this is the second repayment this calendar year.  I shall be glad to get it done with.  Paying forward based on past figures is such a stupid way of doing things. And of course, the language is draconian - 'this is now a debt' 'you must pay within 30 days' etc etc

    On a lighter note, I want a job at the potato marketing board, naming potato varieties.  I bought a bag of tatties from MrL today that were produce of Derbyshire, and were apparently the variety "Fandango" 🤭

    "Grumpy" Greying X (🤭)

    Pounds for Panes £7,005/£10,000 - start date Dec 2023
     
    Grocery Spend July 2025 £294.82/£300 
    Non-food spend July 2025 £97.53/£50
    Bulk Fund July 2025 £9.10/£10 
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