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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Comments
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How lovely to have new neighbours who want to be friendly. Hope that goes well … 🤞
Well done on the hay box progress and your halo 😇 shineth brightly after the LPG email! It will be interesting to see their repo see to that one … 😉
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- 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 35 books of target 52 in 2026 as @ 24th May.
Produce tracker: £119 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.4 -
Thanks @KajiKita I imagine I'll get an ineffectual response only answering half my questions (if that) like i did to my last email 🙄 😂
Nice day but gosh it was rather windy last night!6 -
Ooh, some exciting news! My persistence has paid off and the tyres people have agreed to pay 50% refund for the stupidity of their driver reversing onto our lawn and getting stuck 😊😊😊
So that's £90 rather than £18 - not a massive amount for them but very pleasing. I'll be trying to give at least a decent chunk of it to the farmer (although I suspect he'll try equally hard to refuse it 😂)
No specific tactic from me, I just kept saying 'if you're happy with the service you've provided, please pay the 10% at your earliest convenience' 😂 clearly they weren't!10 -
Haha @Cheery_Daff - I just love your 'non-tactic'!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Sep 2038 (reduced by 3 years)2
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Result🙂😁😁😄2
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Most excellent.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.2 -
Thank you all - I've never had much success with this type of thing so I'm pleased! Probably helped that they closed the case before Christmas without even paying what they'd offered me...
So, now I need to add to the list:
* send bank details to tyre people
* finish drafting LPG email
Neither of these things will be done tonight though.
We just cooked our first tea in the garden 😊😊😊 nothing fancy, we just have a frying pan over a little wood stove, but it's SO nice to be outside watching the sky darken 😊😊😊7 -
Bravo Cheery 👏 I greatly admire your tenacity - it's the principle of the thing, but that compensation is a much better acknowledgement of their wrongdoing. I suspect you won't get the farmer to accept a share of it either 😁 but that won't stop you trying 😁
Greying XGrocery Spend May 2026 £195.87/£200
Grocery spend April 2026 £199.95/£200 +5pence
Non-food spend May 2026 £58.44/£80
Bulk Fund 2026 Month 5/12 - £5.98/£93.54 (reducing balance - start £120 pa)
""Mother Nature don't draw straight lines
The broken moulds in a grand design
We look a mess but we're doing fine
We're card carrying lifelong members
Of the union of different kinds..."
"Union of the Different kinds" - R Christie & T Gilbert, Fisherman's Friends3 -
Result!! 👏👏👏👏🤩
And love the idea of you cooking tea in the garden ❤️
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- 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 35 books of target 52 in 2026 as @ 24th May.
Produce tracker: £119 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.4 -
RE: The Farmer - how about cash in an envelope pressed into his had with a sincere thank-you for all his help while looking him in the eye? Nothing like a bit of feminine fawning to put a stop to his 'no's'. 😂 ...and before you ask, yes I've used feminine fawning with the farmhand & gardener when we were still on the farm where OH failed with his gruff manly ways.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Sep 2038 (reduced by 3 years)5
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