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+++ Whoops! Here comes the cheese! +++
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My fun activity for today is probably going to be sorting out the septic tank lid so it fits properly. I might look for some masks as well as my long waterproof gloves!3
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Now Redo, just pace yourself on that job, you don’t want to overdo it with the excitement!
Completely agree about optician questions. My toxic trait is that I tend to rush the decision rather than asking them to repeat things, and often use “that one is more comfortable” as the response which of course I’ve realised this time means I get a slightly weaker prescription than perhaps I need sometimes as a result - this was exactly why my left lens in the last pair wasn’t right. I need to slow things down, give it more thought, and really work out whether “not comfortable” is something I will get used to once my eyes have stopped feeling like it’s hard work!🎉 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 -
EssexHebridean said:Now Redo, just pace yourself on that job, you don’t want to overdo it with the excitement!
Completely agree about optician questions. My toxic trait is that I tend to rush the decision rather than asking them to repeat things, and often use “that one is more comfortable” as the response which of course I’ve realised this time means I get a slightly weaker prescription than perhaps I need sometimes as a result - this was exactly why my left lens in the last pair wasn’t right. I need to slow things down, give it more thought, and really work out whether “not comfortable” is something I will get used to once my eyes have stopped feeling like it’s hard work!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.4 -
WelshmansDaughter said:I collected all the things that most strongly reminded me of my Dad and put them away safely. It made it easier to let go of the rest of the stuff.I also had a small ritual of lighting a candle and looking at photos or drinking a glass of wine. Feeling the grief was important to me but it threatened to be overwhelming so the ritual tempered it a little and gave it some structure.Actually I read some amazing guidance once on someone suffering grief and was struggling to move forward, get anything done etc and she was advised to do this ritual - have a 30 min period every day where she looked at pics, read past messages etc and really thought about the person and tackled her pain and felt it
the 30 mins was timed and was clearly demarcated and was to be seen as an essential to do daily
then the other 23.5 hours in a day when the grief welled up to then ‘park ‘ it for the next ritual so she could move forward in life a little
well done on the ‘use it up’ - Redo / it’s weirdly satisfyingespecially those half finished tubes of moisturisers etc - my bathroom is looking clearer but more to go
I currently have 2 mascara that will not stop (same brand bought a month apart at an airport so ..) I think I am nearly at the end of the oldest one but still more useable mascara ..,
you are all reminding me I need an eye test as had perfect vision forever but finding buses are a bit fuzzy - might be all the screen timeDON'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 -
I can relate on hearing and eye tests. And oddly enough they haven't given me a hearing aid but I have quite bad middle hearing range loss I have since I was five- do you remember them coming into school and pulling you all out for hearing tests? Or was that just me 🤔🤣 but I kind of rush through them and same with eye tests. I got a new prescription pair of glasses last time I went- and they were wrong 😐🤣 they were too strong. So need to go again now.
Hope your day is a good one. We've stormy weather here and the highlights of my day will be washing mountains of clothes and waiting for the shopping to arrive.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
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It is still stormy here, with big gusts of wind. Mildly stressful given that bits of the roof are still in the process of being repaired, and two of the three gable windows are minus the slates. Oh and I have no guttering so the water dripping off the roof is very loud. The lovely roofing team did lots of covering and explaining yesterday and are threatening to turn up this morning to check everything is sound. I think they are mad as a box of frogs, lovely and kind, but mad.
Yesterday was a bit of a write off due to lack of sleep, I ended up going back to bed once the roofers had gone. Did actually sleep for a solid six hours or so last night so feeling a lot better.
Beef stew out of the freezer, and will do jacket potatoes to go with it. Definitely that kind of weather.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo11 -
Still very windy here. I've left the horses in the field as they are better there then me trying to persuade them to work when they cannot concentrate.
Have no idea in the opticians, the last glasses were way to strong and I now seem to need my reading glasses to do any work. When out I usually blame the low level lighting as the reason I cannot read a menu rather than my need for glasses more oftenAt the local country show a free hearing test revealed significant hearing loss and they kindly discussed the need for an aid and suggested I call in to the local store but honestly that seems a faff, I can hear mostly well enough and I've known my hearing is sub par since a test in my early 20s when the lovely man at the hospital advised I concentrate more on what people were saying to me which has always amused me.
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 !!5 -
If your doctor refers you I think you can get hearing aids free & they are not really noticable. I have had a hearing problem sinice I was about 3. Before people used tissues instead of hankies. Until I got mine I had not realised that tissues made a noise if you screwed them up. The really daft thing is that now I know they do I can hear them without the aids.As for glasses - the bad light difficulty is a thing. You also may need different glasses for reading than you do for computer use. Your optician may be making assumptions, I know mine did.4
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I hope the roof stays waterproof, @Watty1. A mad but nice team sounds okay to me.
You've reminded me of a weekend break we had once to the loveliest cottage up on the NE coast. It was January, snowing and windy. My daughter suddenly gave a shriek and ran to the window - the wind had ripped out two velux windows from the opposite side of the roof and she'd just seen them fall into the garden, having flipped over the ridge of the roof!
I felt rather apologetic ringing the owner and explaining that his windows had gone - and the poor man can't have had it happen before as he was saying the windows had been there twenty years! The house was so gorgeous and cosy I'd go back again - but I couldn't take DD, she seems to have got a negative impression for some reason!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 21/3/229 -
We've had an awful storm here this morning too. The rain was coming down in sheets, the car port doors nearly blew off and I've a small pool in my conservatory from the leaky roof now 😳 pleased to say it's just normal rain now and not the type to blow you away any more 😆
I've got out a cottage pie mix for our dinner. Definitely the weather for comfort food.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
4
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