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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,483 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Finally got the new filter on cooker hood yesterday & listed some more  stuff on V*nt*d. Also rang the dentist....prevention is better than cure, have an appointment Monday. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,644....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF #68  £950/£3000
    .

    Studies/surveys  December £75.87

    Decluttering items 1395/
    2025
    Books read    22
    Jigsaws done  18

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Blackcats
    Blackcats Posts: 4,153 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Sorted out a new policy for my dad's home insurance.  I went through £co so when the cashback is paid I'll get us fish and chips for tea as a nice way to enjoy "free" money.
    however, it is fiendishly difficult to not have his current policy auto renew.  I think I'll have to wait til Monday and talk to a human.  So the task is really only half done but at least it's underway ahead of schedule.

    a new home card posted to friends who have spent months trying to move house and have finally managed it.
  • KajiKita
    KajiKita Posts: 9,033 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Downstairs loo cleaned (ran out of time yesterday).
    Tree peony which is overhanging the path and wets our legs whenever we need to get past it after rain, finally chopped back! 
    Finally finished clearing the bindweed from the cut flower bed and hacked back the chicory that I still haven’t managed to get rid of from there. 
    Cleared weeds from the new ornamental bed.
    Collected seeds of yellow rattle (a reasonable amount), opium poppy (lots!) and chive seeds (not as many as I hoped, left it too long). 

    A productive day 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Blackcats
    Blackcats Posts: 4,153 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @dragonfire5566 - thank you for your post.  You reminded me to slow down on relentlessly trying to tick a task off the list and getting irritated when there are several facets to the task.  I paused and reflected that it is indeed a good thing to turn admin into free fish and chips.  My dad is 97 and really enjoys a fish and chip tea together.  Thank you again!

    whilst I was making apple and foraged blackberry crumble MrBC has finished the last fence panel on one side of the garden.  I don't think he has ever categorised it as an OAT but it's been blooming annoying me for 2 weeks 🙃
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,462 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Hi @dragonfire5566, welcome to MSE and the thread. Please make sure to mention in your posts that you run the company you're recommending as most people won't have seen that. Hope you're having a lovely and mse day 🙂
  • greenbee
    greenbee Posts: 18,554 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 August at 2:30PM
    Heard bleeping this morning - C0 alarm fault light flashing. Turns out it says replace by 2021... so am cross with a. my vendors for not replacing it, b. the chimney sweep for not noticing as he's supposed to check - particularly when installing the new stove, c. the decorator for putting it back up and not mentioning it.

    I need to get hold of the electrician to see whether we can install a mains-powered C0/Fire alarm  in it's place and also replace the three battery smoke alarms with mains ones connected to the other two mains ones.

    Have done lots of weeding/hacking back in the veg plot, but was stopped by rain. 

    Did the mowing yesterday. 
  • beanielou
    beanielou Posts: 97,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done 🤗
    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.
  • Rhyddid2026
    Rhyddid2026 Posts: 804 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Remember a few weeks ago when I was proud of clearing my outside drains? My patio is currently under 2 inches of water so I'm glad that worked! Future me is going to be tasked with paying for someone to do it properly 😭
    There is also a tree in my garden that I didn't put there. The joys of living on a hill in the welsh valleys.
    This house really feels like one step forward 2 steps back at times.
    Debts                04/01/25         01/12/25   
    Natwest2           £6,509.97       £5,600 
    NatWest CC      £7,612.74       £6,680
    Lloyds CC          £6,112.60      £4,690
    1st Direct CC     £176.03         £144.20
    CC total             £20,411.34    £17,114
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,160
    Total                   £36,195.78    £29,274.20
    EF £1,002.83
    HF  £
    203.99
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