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Thank god we paid the mortgage off
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Thanks cherryfudge and beanielou. Finally had a decent night sleep. Happy new year everyone.Love🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.533 -
Goals for the year
1) to try and find a positive no matter how small when life throws 💩 at me
2) to relax more and enjoy the little things
3) to support Mr 🐞 to reduce his cholesterol by making healthier (read no cheese😭) meals
4) continue to declutter the house, garage, garden and plot.
5) to invest in myself
love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.535 -
Managed a walk, Bloomin cold here, but did manage my step goal🥳. Managed a very nice nana nap in front of a roaring fire. Tea was ready meals we got yesterday. Lots of various timing for things. Conclusion was although it was very nice, it really didn’t save me any time and I could have made better and cheaper. Hey ho. I forgot my multivitamins so nipped to the sm and saw they had sarsaparilla cordial, so got that for my mum as a thank you for having miss giddychops. Other than that we’ve spent much of the day reading.Tomorrow we plan to drive to another village to visit a gem shop to look for my Christmas present from Mr🐞. Then back here for a walk with the youngest. Time for 😴
love🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.533 -
I've been trying to think of the name for sarsaparilla - thanks!
My sympathies to Mr L - I've had to cut down on cheese too and it's a sad state of affairs.
My only tip would be to get strong cheese so you get the flavour hit with less. I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/223 -
Sorry you’ve had such a sickly end to the year but glad you are starting to recover.Here’s to 2026 being the best year for all of you 😊🤩❤️
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.1 -
Thanks KK.
Had great plans for today unfortunately Mr🐞 felt very sick and looked washed out so he went back to bed. The youngest has worn them self out with worries about whether their hrt medication will work and when TOM will materialise. So the eldest and I took ourselves out for a walk near some waterfalls, called at cafe for brunch ( paid for from the funpot ,the eldest decided their skates, the slipper game and elc toy paid for it). Step goal completed .We then went into the gem/rock shop and I picked my Christmas present out from Mr🐞. We could see snow on the tops as we drove back to the cottage. Had a quick mooch round the town before calling for salad stuff as we are all sick of rich food.Plan for tomorrow is fluid. If Mr🐞 is ok parkrun at whinlatter forest. If not the eldest and I will do a low level walk near the lake.Love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.534 -
Parkrun was cancelled due to ice. We went for a walk round the lake and called at a cafe/restaurant for a cuppa and cake. None of us were impressed to be honest, very expensive disappointment. Definitely done my steps and some. Mr🐞 had to go back to bed as he felt washed out again. I’m ready to go home if I’m being honest although it does mean the eldest will return to uni city.The plan tomorrow is to lounge after a walk and then pack the car ready for a reasonably early getaway Monday. Then it’s back to being frugal.Love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.536 -
Was very excited this morning as we were having the new hoist fitted. Unfortunately the mother company has ordered the wrong part and the underlings couldn’t fit it. So unsure as to what the youngest is going to do about college now. Very disappointed as it could take up to 6 weeks to rectify. Mr 🐞 and I are discussing whether we get a people carrier/ van as we are starting to struggle for space, especially when we go on holiday. It’s a huge outlay but would make life easier. Something to ponder on.Love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.535 -
I live in a very cool house and need slippers. I have checked local charity shops but nothing I liked or in my size. Checked V and they have the same ones I had previously, brand new with tags and in my size. So made an offer after checking what the company was charging for brand new. Offer accepted (£8.50) looking forward to having warm feet again.Love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.534 -
New cosy slippers are a must. So glad you found them.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.3
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