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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
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Blimey. That’s a wee bit steep.
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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.4 -
Indeed beanie - I confess my language was rather more fruity! 😱
Anyway, a nice evening visiting someone I've not seen for well over a year. She's 75 now, and busy writing her third book 🥰 her husband made us a lovely tea, but I couldn't quite place the flavour. Didn't ask cos we were busy chatting about serious stuff, but with a few bites left to go I spotted what may have been a flake of fish... 😬 and later in the kitchen I spotted an empty tin which looked suspiciously like it may have held fish... (but had no label - looked posh and like it had been in a box)
Anyway, having not eaten fish in over 30 years, I was in no position to judge - Mr C (who wasn't there, but who does occasionally eat fish) suspects anchovies 😬
I didn't say anything at the time - pal knows I am vegetarian, and has cooked for me previously, and did in fact check when she invited me round for tea, so I suspect her husband (who cooked) may have got a bit over excited about his new recipe book. Anyway, I shan't say anything (although I'm intrigued to know what it was if it wasn't anchovies!) I see her so rarely it's unlikely to arise again, and I can legitimately do a reminder at that point. I didn't even notice til I'd almost finished.
It's just funny as it happens so rarely that I didn't know what to do! 😂
What was less funny was when I got home and couldn't open the door 🙄 it's wooden, and it's gotten SO wet lately that it keeps swelling up. Mr C had a similar situation the other day (when i was in London) but did manage to open it eventually. That did prompt us getting another front door key cut (for the other door, which we rarely use). On this occasion Mr C was inside the house, but couldn't hear me banging, or his phone ringing, so I had to go in the front door anyway (and startled him as he was sat near it watching the TV 😂). What a palaver.
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That's interesting that you have had that experience with JL Cheery. We were with m&$, although it had become a convenience thing, as they had been good about insuring our previous property when it was empty (not selling), all thru the pandemic etc. But last year they gave up insurances, and said they were going to pass on our details to aV1va who backed their products anyway. Our renewal came in eye-wateringly high too - and I thought exactly the same as you (home insurance premiums were supposed to be reducing). So I took to the comparison sites. I realise in theory, our property is 'straightforward', but in some ways, that makes the large increase in prices even more confusing 🤔
At least it makes your notional hourly rate - when surfing comparison sites - higher, so much more to gain by doing it (says the woman who loathes comparison sites…….).
Greying X
Grocery 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 Friends8 -
Ha, well that's true enough! Sorry to hear about M&S though, I didn't realise they'd stopped doing insurance.
I think we'll end up going with the Platinum one i mentioned the other day, assuming the small print is suitable - that was £550 I think, half the flippin cost! We've got £900 in the pot so that'll mean a decent wodge can be transferred to savings too
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Wowsers … that is just eye watering! 😳
KK
As 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.5 -
Interesting regarding your insurance renewal, I've had to do both house and little car recently. Both have been around 60p cheaper than the comparison reminders I have received. Perhaps JL don't want your business?
Mortgage Free November 2018
Early Retired June 20205 -
Previously we have had JL house insurance, we renewed for a couple of years as the quotes were competitive and then one year the quote was astronomical so unsurprisingly we insured with some one else.
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 -
Hmmm - on this occasion JL most certainly ARE undersold aren't they - whether knowingly or not! 😂 I've always tended to find that the AA are like that with car insurance though - you get a decent quote for a couple of years, then they seem to twig that they aren't going to entice me into their expensive breakdown insurance, and the next year the quote can only be that they are trying to get rid of me again! Fingers crossed they won't do that with home insurance though and you'll get a few years out of them with no switching needed!
🎉 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 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Possibly capers? Maybe thinking of them as it's taken years for me to work out capers are from bushes and anchovies are small furry fish. Don't like either.
A vegetarian friend hadn't realised that Worcestershire sauce had anchovies in and was therefore not vegetarian. He always used to drink tomato juice with Worcestershire sauce until I unsutably expressed surprise
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That's a huge increase, especially as a %!
Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +17
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