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Summertime

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  • Makingabobor2
    Makingabobor2 Posts: 4,213 Forumite
    1,000 Posts Second 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 £28,744....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
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

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


  • Blackcats
    Blackcats Posts: 3,884 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: 7,649 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 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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 said:
    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.

    Nice one! Always feels good turning admin tasks into free fish & chips 😄 if you're ever comparing cashback offers again, I like using comparison sites like CashbackHQ -- I’ve found some great rates there.

    Fingers crossed for a smooth call on Monday — those auto-renew traps are the worst. And congrats to your friends on the move! Must feel like a huge relief after all that waiting.

  • Blackcats
    Blackcats Posts: 3,884 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: 4,346 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: 17,792 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 August at 3:30PM
    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. 
  • rachmac3
    rachmac3 Posts: 351 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    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        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
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