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The Frugal Hearth: Stories of Simple Living and Living Well

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Comments

  • KajiKita
    KajiKita Posts: 10,149 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    I wonder if all those leaks explains why the house felt so damp? 🤔 I'm glad you have some warm months to go through before the winter, to dry the place out FOC.

    Reading your update, I am now tempted to send you a food parcel … 😉

    KK

    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 35 books of target 52 in 2026 as @ 24th May. 
    Produce tracker: £119 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • jwil
    jwil Posts: 23,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Sorry to hear about the plumbing, hope that's it for now!

    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • foxgloves
    foxgloves Posts: 13,351 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 17 April at 2:20PM

    Oh my life, Elisheba, this has been a bit of a 'baptism by fire' as an old boss of mine was fond of saying in challenging situations. It must feel stressful having so many problems come to light so early, but then on the other hand, it's better to find the really dodgy stuff like plumbing before you have gone to the expense & effort of decorating, etc. I do hope things settle down now & you can start to find your feet. It will be a worry seeing your emergency fund decimated - I felt this very much over the wretched roof replacement - but the pragmatic approach is that this sort of occasion is exactly what it is there for. Hopefully you will be able to funnel regular payments towards rebuilding it as things start to normalise. It always takes a few months to get realistic figures on how much things are going to cost after moving to another property. Some things are usually more expensive, others less so, it's a case of getting to know the actual figures & then being able to look at ways to adjust if necessary. We are currently on a learning curve since being put on compulsory water-metering. At least you know you have a good solid grounding in living a frugal lifestyle & we are all here cheering you on.

    F x

    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!
  • beanielou
    beanielou Posts: 99,830 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    So sorry to hear this. Keep plodding.

    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.
  • fionaandphil
    fionaandphil Posts: 583 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper

    Sounds like a glorious day out Elisheba and glad you have found a nice walk nearby. Some of my family live up that way so we visit a few times a year. Annan also looks nice with quirky shops and there is also an Aldi if you want to combine with a shop.

    Have a lovely day

    Interest beater challenge £365 for 2026 £180.01/£365

  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    You'll get to know people at your new church plus there might be rural to join. Or your lovely neighbour could maybe suggest a local fit man/teenager who could lend a hand or is an actual handyman. Or a local mens shed?

    Dxx

    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • KajiKita
    KajiKita Posts: 10,149 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    I wondered about this but couldn’t find the words. Thank you.

    Sounds like you’ve had a lovely day yesterday and it was much needed. Could one of the mind neighbours help with the IK3a cupboard?

    KK

    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 35 books of target 52 in 2026 as @ 24th May. 
    Produce tracker: £119 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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