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The Ongoing Saga of Ruby Trying to Own A Home

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Comments

  • I have one of these TD and I love it! It's much cheaper to run than a normal one too.
  • edinburgher
    edinburgher Posts: 14,166 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 16 October at 4:23PM
    If you can clean the heat exchanger, for the love of God do so! I didn't realise until 6 months after we bought our first HT tumble dryer and it essentially became an expensive brick :s

    Agree 100% on the cost of food at the moment. Both Sainsbury's and Morrisons currently have Quorn mince on offer for 1.2kg for £5. I don't like soya mince but Quorn is pretty decent for a meat analogue 
  • beanielou
    beanielou Posts: 96,847 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the TD. 
    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.
  • South_coast
    South_coast Posts: 6,050 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    It does mean I have lots of washing to put away now which is the worst part of it 🤣
    🤣🤣🤣       
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • ruby_eskimo
    ruby_eskimo Posts: 4,815 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Oh thanks for the heads up @edinburgher - will add that to the list of maintenance checks each month 👍 Also need to register it for the warranty.

    Had a quiet weekend with a little day trip to Worthing for a bracing walk along the coast and some lovely tea and cake from a local independent shop.  Had grand plans of sorting the house out on Sunday but needed a bit of relaxation time while DH was out watching the NFL because it's been a week *phew*.

    On a more positive note, it's pay day on Friday and I had money left over in the current account that I don't need for any direct debits so I've managed to actually put the extra cash I needed into the pot for the new dining chairs so will be checking with DH that he's happy for me to pull the trigger and buy them (for less than the RRP thanks to stacking a discount code and cashback on buying vouchers for the purchase).  

    Also added more money to the LISA so I'm now at 40% of the way there and only a little bit behind where I should be so feeling more confident that I can max it out again this year 💪

    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimo
    ruby_eskimo Posts: 4,815 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    The start of November has pretty much passed me by as I was side lined by this cold / cough bug that's been going around our offices for the last few weeks.  Did manage to do the family stuff last week and celebrate our anniversary before it kicked in though which was a positive; DH booked us a night in the same hotel we spent our wedding night and they upgraded us to their top suite and threw in some very nice champagne too!

    So new month and time to reflect on where we are with the goals I set myself last month:

    • Buy new dining chairs: Done
    • Organise the Kitchen & Utility Cupboards: I managed one cupboard, the one that was driving me insane the most so that's definitely some progress.  Will aim to do at least one more this week
    • Finish decorating the hallway / landing: While I was in bed this weekend, DH did the first coat of the final bits of painting and says he's going to finish it this weekend so looks like that will be done before Christmas (minus the new carpet etc...)
    • Get the LISA to 75%: Currently at 45%, think this is actually doable with my November and December pay
    • Get the Alaska fund to 20%: Currently at 18% so think we're definitely going to be able to hit that by the end of the year 🤞
    • Have 15 NSD's a month: Completely failing at this, need to stop buying crap
    I'm actually pretty happy with the progress and think these are actually quite realistic goals I've set myself for once, apart from the not buying stuff bit 😂  I did start my Christmas shopping today and have got all of DH's gifts, just need to get everything else now.  Well apart from the gifts for my book club - I need to finish cross stitching the bookmarks for them!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
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