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One step at a time

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  • sunshineli
    sunshineli Posts: 84 Forumite
    Third Anniversary 10 Posts Name Dropper Photogenic
    Made it to the end of the week! I am back at work now, but I’m taking things easy and hoping my recovery continues. 

    To get me through this time I’ve been thinking about low cost and simple autumnal things I can do throughout the month of October. I really love this month, but Autumn feels so consumerist this year. Don’t get me wrong I like a pumpkin scented candle but all I see on social media is people extravagantly decorating their homes, buying a whole new wardrobe of clothes and buying expensive autumn themed food from the likes of M&S. It doesn’t have to be that way though. For me the best things about Autumn are being cosy, walking on crunchy leaves and baking lovely cinnamon based sweet treats.

    My low cost October/Autumnal bucket list is as follows-

    🍁Make a butternut squash soup (if I don’t feel up to this I will ask DH to do it, and I will just enjoy the soup 😂)

    🍁Make an apple crumble 

    🍁Read a spooky/autumn themed book

    🍁Watch some spooky TV shows (we have Wednesday and Agatha All Along on the list)

    🍁Go on a nature walk and stand on some crunchy leaves! Collect pinecones. 



  • MFWannabe
    MFWannabe Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I know you’ve said you’re being the emergency fund first before overpaying mortgage, but I would think about upping mortgage payment by a little so you are overpaying, even just a small amount will make a big difference 
    MFW 2025 #50: £1989.73/£6000

    12/08/25: Mortgage: £62,500.00
    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    12/08/25: Savings: £12,000



  • sunshineli
    sunshineli Posts: 84 Forumite
    Third Anniversary 10 Posts Name Dropper Photogenic
    MFWannabe said:
    I know you’ve said you’re being the emergency fund first before overpaying mortgage, but I would think about upping mortgage payment by a little so you are overpaying, even just a small amount will make a big difference 
    Thanks for the tip. I think we’re definitely going to start doing this when my DH gets his pay rise which should hopefully be this month
  • Jessy103
    Jessy103 Posts: 2,373 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry to hear you haven't been well, wishing you a speedy recovery x
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
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