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From Frugal Foundations to Fortified Family Future
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I love brussel sprouts 😋I have convinced DP of them too but the kids- UCK at them and that is all of them ages, 26, 16 and 15!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. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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I love sprouts - chopped very finely and fried up with soy sauce
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I’m a shredded and stir fried sprouts fan too - at Christmas they get done with chopped chestnuts and bacon lardons, the rest of the year it’s often with soy as cheery says, or sesame oil and some sesame seeds (plus a splash or soy!) or even with garlic and a splash of lemon juice - which is also my favourite way of cooking kale and things like chard.On the baked potatoes thing - does LG like sweet potato? I recall you mentioning having used those so I assume so. If so have you tried them on baked sweet potato? Very different I both texture and flavour I find, but still delicious with a knob of butter and some cheese!🎉 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/her6 -
Good Morning MFW'rs
Welcome to the Brussels sprouts Appreciation Society online presence 🤣 Lurv'n the veggie chat 😁
EH - I can't recall dishing up baked sweet potatoes, that is certainly one to add to the menu - thank you for the suggestion. Sweet potato cookery always brings to mind a situation a LONG time ago, when DH and I used to kick around with a gardening club (they were funkier than I'm making them sound), and they used to host a day selling potato tubers at the start of the growing season. One of the biggest earners was catering, and the club members were encouraged to bring dishes made with tatties. Well, as I didn't want to make anything with meat, i thought I would have a go at dessert - and very tongue in cheekily - made a sweet potato cheesecake. I even purchased organic sweet potatoes, which was a big deal at the time, as we were 'not rich'. Anyhoo, folk 'got' it was a pun, but of course, you had to have one sour puss who was sat - digging into their second slice of pud...... muttering "sweet potatoes are not potatoes, this should not have been permitted, sweet potatoes are a completely different species...." 🙄🤣 Cheesecake sold out and raised X£ for the club............
Right, I have got to get my tail shifting today. Doing a wash whilst I can, as the boiler service is scheduled for today. Weather is dreich (again 🙄) but today is supposed to be the 'breeziest' for the forseeable, so I am doing the 'necessary' items and hoping for the best. I prefer to do DH's work clothes all together but have put his tops on now, as he doesn't have dupes of those, so I can't risk not being able to get them dry before Monday 🙄
Tea last night was pasta (in HM tommie sauce) with an omlette for LG and freezer curry with baked tattie for DH and I. I said to DH, LG ate up the omlette with absolutely no comment (good or bad) at all. They used to like egg, then they went through a phase last year of 'hating' egg, and now we're (hopefully) back to eating it without comment. We haven't had omlette for a little while, so maybe that helps. I don't think we've ever had 'eggs at every meal' (too expensive!), but perhaps 'not too often' is the key.
Right, I want to make a note of several questions I need to ask the plumber about. They are not directly connected to the service, but may lead to more work for them for another day, so hopefully they can at least help with some answers.
Ta for popping in with all yer cruciferous chat....... 🤣 Greying XPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £95.97/£300
Non-food spend August 2025 £3.75/£50
Bulk Fund August 2025 £0/£109 -
Happy Friday.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.4 -
Well, the plumber has been, and done the servicing 😁 I must be getting old, as I was just struck by how polite and efficient they were 😁
The washing is still out, but the breeze has dropped. It's dried OK. Naturally thicker cuffs and collars are still damp, but certainly DH's work gear has dried "enough" to make it worthwhile pegging out today. If the forecast changes and we have sun or breeze on the weekend, then sobeit, but at the moment, I suspect I may just end up being an inch ahead, come Monday.
I've not thought about tea. We've plenty in, it's just a case of picking something to cook.
Greying XPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £95.97/£300
Non-food spend August 2025 £3.75/£50
Bulk Fund August 2025 £0/£106 -
Popping on to say it's Friday - we had pizza! - cheap & cheerful dinner with leftovers for tomorrow.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!3
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rtandon27 said:Popping on to say it's Friday - we had pizza! - cheap & cheerful dinner with leftovers for tomorrow.
Grey and still start with us today. There is zero chance of getting any washing dry today, so I am not even setting a wash on. The m3t 0ffice has tomorrow looking a bit better, but it disagrees with the beebeecee on the windspeeds. I'm hopeful the m3t are correct, as they forecast breezes that would at least mostly dry clothes if there's no rain.
DH isn't working - YAY! I know we (increasingly) can find bills to pay for any additional income (who can't?), but it's also good to have him here with us too.
I brought the washing in yesterday just before 4pm. It had dried better than I thought - given the breeze wasn't quite as constant as forecast, but one item was still damp (thick fabric) and cuffs and collars were still damp. So I put on the dehu on 'laundry' for a couple of hours and we did have the heating on for a couple of hours too. Not a cheap solution, but at least DH will have tops for work for the start of the week. And the line dry did contribute to getting the washing partway dry - it would have been very miserable to have dotted anything damper around the house.
I talked to the plumber yesterday about changing a radiator in the system. I've been given a ballpark price for the work. I'm now wondering whether to get the work done before we change the windows, or wait until that is done, and combine the new radiator with much more effective curtains. It's a pity the plumbers who did the original replacement heating system didn't listen to me about that room in the first place. I intend to get onto one window firm (at least) for a quote this coming week, as we've saved nearly half our intended amount, and I want to know how many (or few?) windows we could get installed. Then we need to prioritise. Although the existing windows are double glazed, they are wood framed and thin. Unless the coatings put on the glass nowadays work wonders, I remain worried that we'll go to lots of extra expense for not much difference in comfort levels 😕
Right, time is marching and I've been musing over things, sat here, too long, so I best shift-a-tail-feather.
Ta for popping by. Appreciated. Always. Greying XPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £95.97/£300
Non-food spend August 2025 £3.75/£50
Bulk Fund August 2025 £0/£105 -
Suspect it’s not so much the frame difference (although that will make a difference) as the gap between the panes that will improve the thermal efficiency of new windows GP. We had some replaced a few years ago (8?) and even though the old ones were double glazed up c, we can still definitely tell the difference and the EPC man measured the gap between the panes as part of his testing. We need to replace our upstairs windows as they are much less efficient. Hopefully you won’t need all the planned saving to make the changes you need!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 Hemingway5 -
oh tmv - I do hope we can afford to have the windows done in one fell swoop.
My parcel has arrived - delivered by RM in the given time-frame. A lovely, cheerful postie delivered it this afternoon.
I have no idea what's for tea. I have been doing sewing all afternoon, and am now stone-cold from sitting still 😕 Even a hot blackcurrant juice hasn't warmed me up 😕 Turnip Vindaloo for tea????
Greying XPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £95.97/£300
Non-food spend August 2025 £3.75/£50
Bulk Fund August 2025 £0/£104
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