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From Frugal Foundations to Fortified Family Future
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            Ah Greying, we all have teas that don't quite go to plan sometimes, don't beat yourself up! 😊 My mum used to announce tea was ready by setting the smoke alarm off 🙄😂8
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            Not as bad as when I once famously made macaroni cheese and forgot to add the cheese 😂. I have never lived it down 😂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.9
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            😁 Thanks Cheery and beanie - you've made me laugh and feel better 😁
 Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
 
 Grocery Spend October 2025 £216.43/£200
 Non-food spend October 2025 £46.41/£50
 Bulk Fund October (month 10 of 12) £0/£35.205
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 Oh I can beat that. I made rock cakes and forgot to add the sugar! 😂 Then I took them into school for judgemental teenage peers to discover my error … 😢🙄😂😂😂beanielou said:Not as bad as when I once famously made macaroni cheese and forgot to add the cheese 😂. I have never lived it down 😂
 KKAs at 15.10.25:
 - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
 - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
 Fixed rate 3.85% ends October 2030
 Read 60 books of target 52 in 2025, as @ 30th October
 Produce tracker: £426 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.8
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            In food tech I once made fairy cakes without the egg. Me and the teacher were very confused about how I'd managed to make a biscuit in a cake case.
 I also once made a lemon cheesecake that didn't set properly and then I dropped the tin on the school bus. Luckily the lid didn't burst off but it was far from edible when I finally got home."You won't bloom until you're planted" - Graffiti spotted in Newcastle.
 Always try to be nice, but never fail to be kind - Doctor Who
 Total mortgage overpayments 2017 - 2024 - £8945.62!7
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            So glad it's not just me 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. 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
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            My sugar free disaster was making brownies. My other highlight was adding baking soda to milk instead of the cornflour needed to make a white sauce. The end result was a sparkling cooker top as it really did go everywhereMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.6
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            I put all the ingredients in the bread maker but forget to put the mixing paddle in. Results was a flour and water burnt paste with the aroma of yeast.6
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            GP - We're fine here thanks, OH has fully recovered 🤞, and been told this week that the consultant doesn't need to see him again.
 Time just seems to flash by each day but I have been catching up with you every few days. The older I get, the quicker the time goes!
 Glad to hear you're getting another few days away before too long. It's so lovely to have something to look forward to.
 KA x5
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            Everyone - thanks for popping by, and for revealing your culinary mishaps.
 beanie - you wrote wot I thought! 😂
 VH - thank goodness the lid held!
 KK - oh the "judgemental teenage peers" - that makes me shudder on your behalf!
 inod - trust you to multi-task, cooking and cleaning 👍😁
 Blackcats - I too did that with a breadmaker! I was so mad with myself for wasting time and ingredients!
 kayannie - that's fab news about hubbie! Yep, totally agree with time speeding up. Can't believe we're a third through September already!
 Just to finish off the culinary mis-hap vein, DH burnt the toast this morning 🤭 Not funny - just one of those things, and maybe karma was in the air, as there had been a teeny-tiny smidgen of 'judginess' last night, with a "oh, so that's why we could smell burning upstairs......" comment, on viewing the cindered disks of naan 😂
 Hump day.
 LG had a bad dream last night, and was upset this morning. We've unpicked the dream, and talked about how dreams are just the brain working through things, and discarding thoughts and emotions. As ever, there was reality (the people involved), and fantasy - 'people-munching' monsters, so we talked through why that happens, and why dreams are just that - they are not going to necessarily play out on some random Wednesday school day.......
 They seem happy now and have done their homework, tasks with DH, so fingers crossed they at least go into school feeling balanced.
 I might try to go to a market town across the way today. I need a haircut, I need to return some library books for LG - they were already overdue, we've renewed them, and thankfully fines aren't charged on children's books, but they need to go back. And I need to double check on whether I could get LG some trainers from a shop there. So a valid trip - but I thought we were forecast heavy rain today, so I will have to check the forecast.
 Right off to check the weather, what if anything is in the wash basket, and get the snap prepped.
 Ta for popping by - great to "see" you all.
 Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
 
 Grocery Spend October 2025 £216.43/£200
 Non-food spend October 2025 £46.41/£50
 Bulk Fund October (month 10 of 12) £0/£35.2012
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