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Comments

  • beanielou
    beanielou Posts: 99,556 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Enjoy your lunch.

    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • skint_spice
    skint_spice Posts: 13,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks Beanie, it was nice, we went for a wee walk and a spin round a gallery too. Then we went to see my mum, DS was always golden boy the only grandchild but she didn’t even acknowledge him being there despite me telling her. She ate her cake and drank her coffee and went back to bed. She’s alive but she’s not really there, hard to see.

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • beanielou
    beanielou Posts: 99,556 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Oh no. I’m so sorry. I didn’t realise that things were so tough for you both. That’s grim. 🤗

    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • skint_spice
    skint_spice Posts: 13,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    She sleeps most of the time Beanie, she doesn’t have dementia but has had so many strokes. I have cared for many people with dementia and to be honest they all get more joy out of life than she does, it’s hard to see. I did get a that’s nice response to the jumper I got her so that’s my one positive of the day.

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • KajiKita
    KajiKita Posts: 10,077 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Hugs for the tough day x

    KK

    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 31 books of target 52 in 2026 as @ 7th May. 
    Produce tracker: £108 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 13,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks KK, to be fair I got more out of her than I did on Saturday when I went with my dad… old age sucks

    In my attempts to age well I have been to the gym already, it was a hard session today but still fun. Maybe burnt off a few of the sweets I ate yesterday😂

    I have my bedding blowing about on the whirligig but just waiting for the rain to start again!

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • skint_spice
    skint_spice Posts: 13,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Well the washing didn’t stay out long, it’s been pouring most of the day. I have sorted out the huge pile of clean washing and did the ironing😇

    Weirdly enough I haven’t spent much personal money this month so decided to make a £50 OP to the mortgage, many a mickle…

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • beanielou
    beanielou Posts: 99,556 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Lashing here too. Good news on mortgage overpayment.

    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • skint_spice
    skint_spice Posts: 13,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Another cold and miserable day here, gym is done and dusted and I have booked a ticket for the silver screen movie at the cinema.

    I will get something up on vinted today!

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • skint_spice
    skint_spice Posts: 13,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 17 March at 8:53PM

    OK list for the week:

    Exercise 5 days 2 so far!

    Enter 10 competitions Done!

    Declutter 20 items from my bedroom Halfway?

    Plant remaining veg from veg box 🙄🙄🙄

    List 5 items 🙄🙄🙄

    In my defence it’s only Tuesday 😂 and I am doing overtime tomorrow so another positive.

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

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