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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
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Very impressive on Duolingo. Am relatively a newbie attempting to learn Italian! On day 44!
2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £98,655.10/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%
2). #47 Save 1p a day challenge 2026 £96.47/£780
3). £2,763.96/£3000.00 - Investment ISA
4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026
5). £252.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED6 -
OoOoh, well done! The days rack up alarmingly quickly! 😮
Well I've been having a nice weekend, but VERY ready for some time on my own, which sadly I'm not going to get any time soon (I'm currently taking my time getting changed to do the garden...) got to friend's, had a quick lunch, met her newish fella, then we went off to visit an archaeological dig site - very cheerful, but a 1 hr 20 round trip in the car, and I'd already spent over 3 hours in the car getting up there 😬 Leisurely evening, early night, and I slept well. Boyfriend left in the morning and friend and I had a nice walk and some garden pottering, then decided to come back to my house, so that was another nearly 3 hours of driving yesterday, then a chatty dinner with Mr C.
Did manage to do yoga on my own both mornings, quick garden tour with friend then they both wanted to do charity shops, so we did that and a cafe trip, then eventually got home for lunch at 2.45. Sun has obviously gone in now we're finally ready to get in the garden.
Anyway, it's cheerful to be sociable, but both friend and Mr C talk a lot and haven't seen each other for ages and after last week I am very ready for a day on my own😬
Not today though, or tomorrow, or Wednesday 😬
Hey ho, will make the most of having company in the garden!
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Had a nice time in the garden with my friend 😊 we planted some stuff she'd dug out of her garden, and pottered about. Started a jigsaw, went for a walk, defrosted some soup.
Batteries went in the thermostat - I changed them but it's now not talking to the boiler and nothing I've tried will work 🙄 boiler itself is working, there's hot water, it just thinks the thermostat isn't requesting power 🙄 Apparently there's some kind of receiver somewhere, but where? Unless it's inside the boiler itself? I was here when they fitted the thermostat, but can I find it? No. Will have to text the plumber tomorrow.
Fortunately it's not cold, and we're out from tomorrow morning til late Wednesday evening anyway 🙄
Could do without anything else to sort out right now though. Early start tomorrow, Mr C is dropping me at work, then friend off somewhere else, then going to see his dad, then to another city to stay with a friend. I'm going to work, staying with another friend, then back to work Wed, then to new club in the evening, then Mr C will pick me up and bring me home.
Utterly desperate for a few hours of doing nothing by myself 😭 I am sociable and cheerful by nature but this last week has just been so busy. Friend has gone to bed now and Mr C is out but I'm worn out - I will try to appreciate having a shower and washing my hair as alone time 😂
Right, need to stop moaning. Very grateful for good pals and a good job 😊
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I do sympathise. Mr KK is quite stressed and frustrated atm so is venting to me at length every evening, after a full day of people fretting at me in work (we have finally told them about the loss of the second customer). When he then turned on the rolling news to watch Keir being castigated in the commons last night, it was too much and I fled to the dining room! 😂
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.6 -
Oh dear! Yes other people's stress is never calming is it? 😬
I have made it to work unscathed, although there was much faffing and some grumpiness early this morning, and we got stuck in rush hour with some very cheeky drivers 🙄
Anyway, I am here, and the office is lovely and peaceful woth only one other person in 😊
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Haha thereare tube stikes here in ths big smoke so most of our staff are at home! I take a long distance overground train and love being here with minimul people! Silence is golden and having a complete thought iis novel.
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)8 -
Ha, I am awaiting the opportunity to have a complete uninterrupted thought this week 😂
Calm (ish) day at work yesterday, then nice evening with my friends, although not really relaxing with a 5 and 10 year old in the house 😬😂 always lovely to see them all though, and I slept well and was treated to tea and a biscuit in bed this morning 🥰
Busy today, but I did manage to get SOME work done towards my big deadline 😬 absolute deadline is in a fortnight, but internal deadline is next week, and I do still need to get it to colleagues for a proper look - I did say it would be last Friday but it'll actually be tomorrow 🙈 Hopefully nowt too complicated for any of them though.
New club tonight, and we finally got home at 10.30pm. Very tired and heading to bed.
Small triumph though - I managed to fix the heating without calling the plumber 😃 Gave up on it on Monday night after changing batteries in the thermostat - I knew it just needed re-pairing with the receiver, but had no idea where the darn receiver was. Mr C apparently knew it was in the loft all along... so it's now fixed and the radiators are on. Hooray!
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Gosh, the time is just rollicking by, isn't it? Worked at home Thursday, and ended up not finishing til 9.30pm. Had to do an hour this morning, and another half hour this evening too 😬 But that's it til Monday now.
Had a nice day with my mum today. We used the 2 for 1 Gardeners World card and saved £9. Of course we then spent £26 between us on lunch, and £16 on tea and cake, and £14 on plants 🙈 so not exactly a bargain out day out, but it was a lovely garden and I wouldn't have gone otherwise.
Plants were a bargain too - I got a weigela for £1.50, mum got some flowering bush that she'd been eyeing up for £2, so their reductions were actually PROPER reductions, not what we refer to as 'co-op reductions' after I bought a chocolate bar there reduced from 39p to... 39p (and yes, that's what it said on the yellow sticker 😂)
PotPottering about in the garden now with an audio book 😊 Planted the potatoes and onions, and I'll bung the garlic in too - completely the wrong time of year but it ain't going to grow sat in a paper bag in the greenhouse so I might as well!
curlews are out and wheeling around 😊😊
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Glad you enjoyed your day.
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.3 -
39p to 39p how in the world does that even happen????? 🤣🤣🤣
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)4
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