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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
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Hello from a fellow YNAB user! Following along and looking forward to reading all about your adventures along the way ☺️Mortgage: £363,959.10 as at beginning of November 2024 (re-start of diary following house move)
Next goal: sub £360k by March 2025
Daily interest at end of November 2024: £36.256 -
Yay new diary! Have subscribed and will follow along (and look out for the occasional shot of the lovely countryside views)."You won't bloom until you're planted" - Graffiti spotted in Newcastle.
Always try to be nice, but never fail to be kind - Doctor Who
Total mortgage overpayments 2017 - 2024 - £8945.62!4 -
Hello! I dipped in and out of reading your old diaries and I will be following along again, I have subscribed 😊4
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Great start to a lovely new diary Cheery.June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!3
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Hello, hello, hello! I can't get back on the phone to quote you all individually but it's lovely to see so many of you popping in 😊😊😊
A long and slightly tetchy day today. I think for me it's just been quite a long and tetchy week... 🙄 Mr Cheery's dad took us out for lunch, and we had a cuppa in a lovely cafe 😊 Home by 7.30pm so pretty good all told, but we've both just been a bit out of sorts, and it was NOT helped when we got home to the blithering smoke alarm going off AGAIN 🙄
It'll have to be replaced. The past few months it's gone off several times in the middle of the night for no reason (including 11.30 last night). Batteries have been replaced (although it's mains linked so they're just a back up), and a few weeks later it happens again. This particular variety has form, it seems - the sides are quite open, and it's easy for dust to get in 🙄
Anyway, hoping we can just replace with another model of the same brand so we can just plug into the existing sockets... But that's a job for tomorrow. We still have the mains heat alarm in the kitchen (which is directly below the bed) so we'll have to manage with that for tonight as I'm not risking plugging it back in. My nerves are jangled enough.
House insurance NEEDS sorting tomorrow - in fact I need to check the policy runs out midnight tomorrow, not midnight tonight. Hoping the old people will give me a refund without asking, but if they DARE to try and charge me any kind of admin fee, after they sold me a policy without asking all the relevant questions, I will NOT be impressed.
Taking tomorrow off in lieu of Friday, which I worked. I did contemplate working, but after seeing Mr Cheery's dad today, and my family yesterday, I need a day actually off. So a small list...
* house insurance
* photos of drive to LPG people
* smoke alarm 🙄 (Mr Cheery has said he'll sort this though so hopefully I won't need to be involved)
* check both bank switches are proceeding as planned - mine is set for 18th I think, a week tomorrow.
Will tomorrow be the day we finally take the Christmas tree down?! Who knows...9 -
Have you have you got one of those fancy three part screens for concealing the Christmas tree? That way it could stay there until December again! 😉
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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £227 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.5 -
Ha 😂 No. It'll come down eventually! My record is 2nd April, and I don't intend to go beyond that this year 😂
Checked house insurance - cancelled on 11th March, doesn't give a time so I've assumed midnight tonight and found another policy 🙄
Had a slight fret about ticking the box that says 'have you ever had insurance cancelled?' But the Notice of Cancellation very clearly says this doesn't affect insurance record and you don't have to declare it, so...
Gone with a well known brand this time 🙄 and paid for the privilege - £731 for the year 😱😱 No cashback, and couldn't pay by credit card for points but quite frankly I couldn't care less at this point 🙄 Should have just renewed with the original people at £606 🙄 I declared trees, but it didn't ask about footpaths, and I've decided the barn, which has literally no roof and barely any walls, isn't being classed as a "building" any more, and therefore doesn't form part of the 'is this property in a good state of repair?' question.
Next time I move it'll be to a bloody new build with NO complicating features 🙄6 -
I'm not casting aspersions on your cleaning regime, but could it be spiders setting off the smoke alarms. I had the same thing and found a thin cobweb wafting around the sensor.Mortgage Free November 2018
Early Retired June 20205 -
Staffordia said:I'm not casting aspersions on your cleaning regime, but could it be spiders setting off the smoke alarms. I had the same thing and found a thin cobweb wafting around the sensor.6
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I keep one spider upstairs & one downstairs as I would much rather have a couple of large spiders than a few small flies & I really dislike those very very small ones that even my battery racket (looks like a small tennis racket) fails to kill although often stuns which allows me to throw them out the window.
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