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Next steps; grip-relaxing bimbling, and avoiding the temptations
Comments
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You have a number to call. I think that is very impressive! Spent an hour on the phone last night with a good friend and one of the things we discussed was how she cannot phone anyone to resolve her issues and although she has seen 4 people she is no nearer getting things sorted because they will not give her a number to call back on and when they call her at home her signal is too bad. They cannot agree a time to call so she can go somewhere with a better service. Her resolution was to go to her GP and ask him to sort things out for her.
We did have a good giggle at our shared misfortunes. I do hope the nurse practitioner was helpful.
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!4 -
Love the title of your diary - I think that “avoiding the temptations” should become my new theme.
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Glad you are starting to feel better.
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.2 -
This lurgy is filthy isn't it - I'm a week and a half in and still coughing like nobody's business, but at least slightly closer to feeling back to normal I think!
🎉 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/her1 -
Argh - sorry to hear you are still under the weather - sending healing vibes your way!
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 - Dec 2039 (reduced by 21 months)0 -
Still feeling intermittently exhausted, I have decided to have a home week and not do any of the planned socialising, so as to stop the spread of germs. My study buddy and I will meet online at 12.00 today. And tonight's study group is also online.
I did venture out to the local garden centre to buy some seed compost and an additional heated propagator yesterday afternoon. I put a mask on and succeeded in losing one of my hearing aids in the process. I have emailed the audiology clinic in the hope they forgive me and provide a replacement. I did drive back there and search the drive, the carpark, our parking area, inside the car, outside the car, in and out of my clothing. I think it went when I peeled the mask off in the car park on the way back to the car.
On the proagator I was shocked to see the only one they had was £82.99 (takes two seed trays) and thought to myself I could not justify that, but then I spotted a battered box for £25 less. Still a lot, but it will see me out, and after all the dithering and prevarication, I need to turbo-boost my seeds. So up this morning before the birds and I have planted three types of tomato and three types of pepper. The whole lot is going out to the greenhouse where the light is so much better.
Oh and a loaf is proving and the bedding is hanging around drying. I even treated the towels to a 20-minute cheap-rate tumble dry!
Mostly now, I need to study and then do some clearance in the greenhouse if the weather is as nice as they threaten!
Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here6 -
It's taking a while to shake off the cold so I am doing the minimum in terms of meeting others. We do have to collect the new (to us) truck today, so I must go out then.
Money has been shuffled. We removed £10k from Mr Sl's PBs and £10k from the EF Tilly-Tidy pot. I will absorb the rest in next month's CC. It has been 13 years since we spent anything like this - the motorhome was less than half this one. It's his last vehicle though, and I thought he should feel it fits and I should know he is safe in it.
One of Mr Sl's HD bikes will be sold in due course but March isn't the best time for this (and neither is the big orange in US and the Shenanigans they are engaged in). We might have to wait a bit. In the meantime, my pig shed replacement project has moved back a fair way.
We are in the last stage of negotiation with our Solar installer - more on that later
Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here14 -
Starting to feel better and having told my Mum, she has dropped a bomb here. She needs to be investigated for a recurrence of the bowel cancer she had 9 years ago as she has experienced symptoms. She is 96. I don't know what they will recommend if it is confirmed. [Neither she or my silent sister thought they should tell me while I was ill. It's not how my brain works. It does confirm that while it may have been well-intentioned, neither of them understand me at all. Twas ever this way].
Haircuts (postponed last week, as my hair-cutter has some health issues himself and he didn't need what I have just had!). New truck is in for some work that was not undertaken before we collected it on Friday. Solar reinstallation is on Friday except - they contacted us yesterday to say the battery is not going to be installed at the same time! We need to talk more about the battery situation there.
In happier news, revision for Saturday week's exam is going better than I expected and - my tomato seeds are germinating, despite being planted a month later than normal. No sign with the chillies yet though! I even spent an hour weeding yesterday - only 3 trugs full but it cleared half of the bed the potatoes are almost ready to go in. My gardener is almost fully engaged on a monster piece of hedging work at a nearby farm (it's his first love) so MIA for the last two weeks. I might have to prune my own apple trees.
I'm desperately trying not to stockpile. I have shopped twice this month (fresh and dairy) and hope that is the main SM stuff but I fear we will need cat litter as Stealth Cat's outputs have increased significantly with the progressive speeding of her metabolism in old age. I also forgot to pick up OB ginger biscuits, but I have a recipe I can make if needs must (probably healthier but less crunchy!)
Right, time to plough on with a bit more revision…
Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here4 -
Glad you are feeling better, @SL, as you sound so busy, but worrying news about your Mum.
2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!2 -
Worrying news about your mum. Take care of yourself xx
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.2
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