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Watty's Awakening

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  • Do you just freeze the bananas in their skins? I never thought to do this before? :hushed: 

    I've never used chestnut flour....where did you find it?
    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
  • @Suffolk_lass yes you definitely changed my view of my freezer and cupboards ! 
    I am also In an eat down of the freezer so I can buy more frozen veg as I seem to be not getting thru all the fresh. 

    On the bengal I had two who were incredibly cuddly and lovely . One was literally like a dog waiting at the front door as I came in and he even growled at the doctor once and sat between us on a home visit !! 
    Whenever  I was sat one cat or two was sat on my lap. 
    It was only an issue in the morning as being on the loo seat with two cats jumping on my lap wanting fuss could be painful ! 
    I can’t have a cat in my flat or I would be tempted 
    the chestnut flour recipes sound great.  
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Watty1
    Watty1 Posts: 6,770 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Do you just freeze the bananas in their skins? I never thought to do this before? :hushed: 

    I've never used chestnut flour....where did you find it?
    I  peel the bananas and half them then freezer. I usually have a bag in freezer of half bananas to use.

    No idea where the Chestnut flour came from but I did check my Ocado history out of interest and I bought it there!  I used spelt flour to make the banana bread.  Again I have no recollection of buying or using that before but half of the bag was missing so I must have!   
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My sympathies on the cat. My cat has a definite preference for being outside half the time. He doesn't like things in his face so rarely uses a flap even if it's available. I'm convinced he has another home though as sometimes he comes in out of the rain and is very dry and warm. 

    Sorry VNM's Mum has dementia but it is good she wasn't just being overly manipulative. Hopefully she can get some regular help at home. Safety first - is there any gas in the property? If there is you may want to swap it out for electric to reduce the risk of her leaving the gas on unlit. Is she getting help from the Reablement team locally? Is there any Dementia Support available via the local council?

    Sorry CC was unhappy. Hope you find a solution. It does sound out of character. 

    I've been trying to make lists of what I do achieve as I beat myself up over what I don't do but rarely acknowledge what did get done.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • themadvix
    themadvix Posts: 8,729 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I wonder if the flours arrived during lockdown? The run on flour led to me getting far more buckwheat flour than I desired - computer just substituted one flour for the next available in list, despite it definitely not being usable in the same way!
    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


  • beanielou
    beanielou Posts: 95,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are on fire. So pleased for you. 
    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.
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