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+++ Whoops! Here comes the cheese! +++
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Oh what a pain about the keys Redo - that is exactly the sort of thing I’d do if the technology allowed me, I bet!🎉 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/her5 -
Good job on the DW cleaning cycle. I really should get round to doing one sometime soon. I'm very good at doing the WM to get rid of the dog/cat hair, but the DW always seems to have stuff in it.
Great news on the skip - the windows will be disruptive, messy, and expensive, but well worth doing.4 -
LadyWithAPlan said:Cherryfudge said:Great launch into the New Year Redo! You've reminded me I have vitamins to take today. I did think of Flylady too but I think I've internalised some of that so I'll just try to add the sink tidy part more often as I found it really helped.
The muffins sound awesome!
Well done on resisting
@Seasidegal58 I have had a LED mask for 1.5 years now - it's Ladya game changer.. they really are great and make a difference to the skin. Mine has the NIR (near infra red) rays which are great for ageing skin - but even those with red/blue still work wellFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”6 -
I'm sorry to hear about the faff with the car keys! Isn't technology wonderful - well now and again!😡
But hooray for helpful builders! How nice of them to move the extra waste into the skip for you.
i hate waking up to kitchen mess as well! I've been lurking round DD's kitchen before bed each evening making sure everything's gone into the dishwasher!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Oh bad luck on the car key. Glad it was only an hour to get sorted - usually 3 for me when that kind of thing happens! Sympathies on the getting cold and the £30!Yaay for both the skip and the builders moving big bulky things for you 🤩 and the SPACE that is appearing around you. That must feel wonderful as you’ve been working towards that for a while now 😊
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 = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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.3 -
Pah to the keys, how annoying! We locked ours in the car once, while at my mum's house. They were just sat there on the seat in full view. Had to wait ages for the RAC (not a priority as we were sat inside the house!) Easily done, and very annoying.
Glad you're feeling a bit brighter, and that the builders have filled the skip 😊3 -
Todays little pleasures:
I could see my lovely red witch hazel shining through the snow when I was sat up reading in bed this morning
Watching a yellow beaked blackbird chasing a wag tail round the snow covered front lawn
Admiring the regular flock of small birds (mainly finches but also bluetits and robins) feasting on the back feeders - with a black beaked blackbird underneath the feeders. The back feeders are directly in my eye line from the small study, next to the winter flowering honeysuckle which helps protect them from the cats.
I filled the sunflower hearts front and back this morning, and added a good sprinkle of meal worms for the floor feeders, but had to go back out and re-fill the front already. Fresh water and a halved apple added as well.
@Seasidegal58, I have the shark cryoglow mask which I got as a christmas present to myself, the eye cooling thing is really helping my black bags and itchy eyes. It was a big investment but I did get £18 of cashback (paid this week) and £40 of advantage points. I can still read my kindle using it so fairly easy to integrate into my bed time routine.
My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo12 -
What a lovely picture you paint of your garden in the snow! The poor birds have been keeping a low profile here as it's poured ever since it stopped snowing.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/223 -
Seasidegal58 said:LadyWithAPlan said:Cherryfudge said:Great launch into the New Year Redo! You've reminded me I have vitamins to take today. I did think of Flylady too but I think I've internalised some of that so I'll just try to add the sink tidy part more often as I found it really helped.
The muffins sound awesome!
Well done on resisting
@Seasidegal58 I have had a LED mask for 1.5 years now - it's Ladya game changer.. they really are great and make a difference to the skin. Mine has the NIR (near infra red) rays which are great for ageing skin - but even those with red/blue still work well
However there are 2 types - ones with NIR (near infra red) and cheaper ones who have the normal colours
If you are paying £190 upwards in the UK make sure it has NIR.
Or the cheaper ones without NIR are about £20 on Temu and £100 + elswhere
Just looking at Boots there is a £195 one which has NIR and they have 10% off with code SAVE10BEAUTYPRO PHOTON LED Light Therapy Facial Mask
Sensse Elite 8 light led face mask IS £229 (also NIR)
I can look at T*mu for you and post you a link but dm me for that
Looking at Temu quickly you can get one without NIR from £14 upwards and a great one £25.41 from £99.
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#latest3 -
Lovely to hear about your garden Redo. My mum is feeding the squirrels and pigeons daily and has a group of 9am regulars now who all share the lawn together.
Plus she feeds the foxes at night out the frontDON'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#latest4
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