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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
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Happy shiny new diary Cheery.Will be cheering you along.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.3 -
Oooh - lovely new diary. Can't wait to read the next chapter.
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais3 -
Looking forward to the next chapter, cheering you on and being inspired.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family3 -
Happy New Diary dearest Cheery!
Shall happily tag along for another installment 😁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)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!3 -
A new diary how exciting !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#latest5 -
Morning Cheery,How exciting a shiny new diary!I was interested to see we are the same age and in relationships with someone a bit older, my OH has just under a year to go to State pension age but he'd been a life long renter and became a first time buyer in January! We have a relatively small mortgage of 120k and both work part time. Looking forward to following your diary with interest
2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £107,542.12 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%
2). #7 Save 1p a day challenge 2025 £150/£780
3). £2109.85/£3000 in Investment ISA (34/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump6 -
Me three!Cheery_Daff said:
Welcome aboard! I should probably stick to virtual biscuits for the time being 🙄😂redofromstart said:Ooh biscuits, I'm in!
A new chapter. Excellent7 -
Morning all, thank you all for tagging along 😊 Lovely to see you all 😊
Hello 😊 Lovely to see someone else with a similar age difference 😊 We got together when I was 25 and he was 43 - now I'm 43 and he's 61 life is rather different! But I've always acted older than I am, and him younger, so we meet in the middle somewhere - I suppose as a pair we're currently around 52 😂Queen_of_the_Hive said:Morning Cheery,How exciting a shiny new diary!I was interested to see we are the same age and in relationships with someone a bit older, my OH has just under a year to go to State pension age but he'd been a life long renter and became a first time buyer in January! We have a relatively small mortgage of 120k and both work part time. Looking forward to following your diary with interest
Best shift myself. We're going to see Mr Cheery's dad today and I'm pleased to see it's raining a bit - not enough to make the journey rotten, but enough that I'm not slightly grumpy that I'm not spending the day in my own garden 😂 He promised to take us out for lunch once we'd found out about my job - whether I got it or not - so today is the day for that 😊 It'll be weird not having the little dog there, but hopefully it will at least mean the house is slightly easier to clean, and we don't have a fortnight of poo to collect from the garden...8 -
Me four!
Lovely summaries Cheery! What do you do with the hay now you don’t have chickens? I can’t imagine the hay box requires topping up that much….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 Hemingway5 -
Ha, indeed not! I use it as mulch under the fruit trees, and chuck the rest into an odd fenced off space between fields where the previous owner used to keep pigs. It rots down nicely and I'll keep adding to it and plant some more fruit trees next year. It's too far from the house for veg, but it's next to the field the young woodland is in, so a little orchard will be a nice addition 😊themadvix said:Me four!
Lovely summaries Cheery! What do you do with the hay now you don’t have chickens? I can’t imagine the hay box requires topping up that much….
People keep suggesting I sell it, but it's rare that I actually manage to make properly dry hay that can be used eg for animals. Needs several sunny/dry days in a row at the right time of year and when I have time to cut/turn/collect. I usually manage a bit each year, but it's never much. The first summer, we made about 10 bales which was great - but we're baling by hand in a wheelie bin so it's very labour intensive and they're not exactly very structurally sound. OK to stick in my own shed, but not to transport and sell.
When I do manage some dry, it goes in an outbuilding. Some used to go for the chickens but not much - only to keep off the worst of the mud in the winter but it wasn't very good for that really. Mostly gets used in the garden, so no real change there.
Hay is a byproduct here. I'm not 'making hay', I'm removing the fertility from the field to encourage a different set of plants, so they hay just gets used where it's useful instead 😊10
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