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Mellow Fruitfulness
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Oh that's a good result all round PiP - pleased for you AND your Mum!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Well done PiP - and good news.
I've done some laundry but it hasn't dried. Not sure it will tomorrow either, but there is sunshine forecast so it might get less wet on the line or go in the TD. I'd prefer to dry some of it on the airer, but am currently trying to think of where might be clean enough and accessible given that the decorator has been filling and sanding...
Electricians have fixed the haunted lights. Plumber has FINALLY finished the landing and the boards are down. The less said about him the better though, as he made no real attempt to solve the problem of no hot water last night (it heated up this morning, so I'm sure the valve needs replacing, but he really wasn't interested), and I then spotted a wet mark on the kitchen ceiling - the decorator reassured me that he'd fixed it as he found the weeping joint on the new radiator when he was prepping and tightened up both new radiators (something he'd done in the bedroom previously).
I'm going to start planning for a heatpump as soon as possible...2 -
Good result.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.1 -
I have been mostly talked down from huge panic on my diary by mse friends about potential of heat pump grants being taken away in the forthcoming Budget @greenbee, but I would still recommend looking into it sooner rather later!0
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My OATs for today were visiting the cemetery and buying some basic clothes while I was near Primani.
I also had a generally nice day, and that was quite outstanding/overdue.
It sounds like we've all done well over the last few days.Debts 04/01/25 01/11/25
Natwest2 £6,509.97 £5,700
NatWest CC £7,612.74 £6,755
Lloyds CC £6,112.60 £4,815
1st Direct CC £176.03 £0
CC total £20,411.34 £17,270
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £29,9803 -
Finished selecting images for my dad’s 2026 calendar Christmas present and bought a custom one with them from ph0t0-box - one present off the list! 😊
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 69 books of target 52 in 2025, as @ 28th November
Produce tracker: £442 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 -
I got around to calling the docs today about one of my prescriptions not being on my repeat. Turns out I needed my blood pressure checked. I called them at 4:45, they said they had just had a cancellation at 5:30, I went down just after 5 and was seen and back home by 5:22! One of the few perks of living where I do, the GP surgery is more like how things were a few decades ago.
I've also booked in for another blood test, with the prison nurse who is about the best there at getting blood out of people. I'm doing my asthma review at the same time.
Debts 04/01/25 01/11/25
Natwest2 £6,509.97 £5,700
NatWest CC £7,612.74 £6,755
Lloyds CC £6,112.60 £4,815
1st Direct CC £176.03 £0
CC total £20,411.34 £17,270
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £29,9802 -
Hail here has motivated me to hang the thermal curtain over the utility room door as there's a draught through the keyhole! I need to find the draught-excluder tape for the kitchen doors, and also hang the secondary (fleece) curtains under the utility room curtain (needs me to work out how to fix curtain wire there) and under the curtain between the kitchen and utility room.
Seals are off the front door until tomorrow for decorating, so it's particularly chilly today with the hail and close-to-freezing temps!
No response from plumber re. bathroom smell. And have chased drain chap to try to organise septic tank pump replacement. ETA - drain chap is coming over tomorrow morning
Hospital pre-op assessment done, and I now need to sort out trains/hotel booking etc.
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Ooh I placed the order for our photo book along with some prints for that OAT frame last night - from precisely the same people!KajiKita said:Finished selecting images for my dad’s 2026 calendar Christmas present and bought a custom one with them from ph0t0-box - one present off the list! 😊
KK
That's great surgery efficiency Rhy!
greenbee - I've found the plastic strip stuff that the Must Have Ideas people sell to be excellent for blocking drafts round the edges of doors - although it wouldn't help for your keyhole. Works a treat for the door edges where you don't have sufficient of a gap to fit the foam stuff, though!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Had been meaning to separate out my tomato seedlings and today spotted that one pot had five in its tiny little space so got on with that right away2
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