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Summertime
Comments
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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 £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys September £12.02
Decluttering items 1194/2025
Books read 16
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
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.4 -
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 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.3 -
@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 🙃4 -
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 🙂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 48
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r61 -
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.4 -
Did some deadheading in the garden before it got too hot.Been deadheading the streptocarpus around the house, been needing doing for a while.Hold the front page:
I HAVE MADE A START IN THE OFFICE! 🎊🥳🎉🤩👏😊😂
Finally …. 🙄
All paper is up off the floor, a stack has gone to recycling, a whole heap of incomplete good intentions have been found of various types (some will become prospective OATs), I have three recipes to bring downstairs and put in my folder and three pieces of project structuring from the crazy job to take into work with me 😊
My aim, by end of play today is to have the ‘desk’ (piece of worktop on low filing units) clear from end to end (there is stuff on the back of it, but that’s fine 😊).I have spent some small monies today - ordered a vertical storage system for our two laptops so it makes it easier for both of us to share the space. That will come out of my ‘miscellaneous house’ pot. I have saved delivery costs by having it sent to a drop off place rather than delivered. Should be ready to pick up on Wednesday which is fine 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.6 -
I have finally submitted that last piece of uni related work!! woohoooooo!!! That took absolutely months. It's so hard figuring out how to do things for the first time when you are in your mid 40s!
Wine and chocolate before bed I think.Debts 04/01/25 01/09/25
Tesco CC £6,509.97 £5,930 (now NatWest2)
NatWest CC £7,612.74 £6,905
Lloyds CC £6,112.60 £4,943.12
1st Direct CC £176.03 £6.68
CC total £20,411.34 £17,784.80TSB OD £500 £0
1st Direct OD £600 £250 (0%)
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £9,005
Total £36,195.78 £30,789.80
EF £5006 -
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.2 -
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 01/09/25
Tesco CC £6,509.97 £5,930 (now NatWest2)
NatWest CC £7,612.74 £6,905
Lloyds CC £6,112.60 £4,943.12
1st Direct CC £176.03 £6.68
CC total £20,411.34 £17,784.80TSB OD £500 £0
1st Direct OD £600 £250 (0%)
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £9,005
Total £36,195.78 £30,789.80
EF £5001
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