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Thank god we paid the mortgage off

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Comments

  • ladybird1106
    ladybird1106 Posts: 937 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    Definitely wouldn’t fit in our back garden, unfortunately cherryfudge.
     Washing is on line as the ground is dry, not a lot of wafting but it should dry.
    OH off work with migraine, he’s had for 3 days now. Probably stress related.
     A bit miffed with myself, thought I was really prepared for a session at the allotment, took breakfast and a hot drink. Was planning on being up here for most of the day, but forgot the shed key😤. So, I’ve just watered the greenhouses, moved some netting as the pigeons have nibbled my freshly planted winter salad stuff. Don’t think they’ve took the centre bit out so hoping I’ve managed to save them. Wood Pigeons are a real problem on our allotments and netting is vital. 
    Right had my breakfast listening to the birds, but I might as well head home as I can’t really do a lot without tools. Hmmm I’ll go and pick some apples and spinach.
    love 🐞

    Grow your own: £14.66
  • Cherryfudge
    Cherryfudge Posts: 13,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's an amazing difference. What changed? Was your eldest at home, or did you spend more on food with going away? Are you living more out of the cupboards this year or are you choosing different foods?

    Whatever the causes, it's quite an eye-opener.
    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 21/3/22
  • badmemory
    badmemory Posts: 10,109 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    For a year on year comparison that is incredible.  I have kept housekeeping figures for years now as DS paid almost half even when he stopped work. I halted that when his savings were going down & mine were going up, which seemed a little silly in the circumstances, but I kept up with the figures.  Frankly they are eyewatering & have been for 5 years now.
  • beanielou
    beanielou Posts: 96,915 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey. That’s a huge difference. 
    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.
  • ladybird1106
    ladybird1106 Posts: 937 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    edited 17 October at 9:09PM
    I think to be honest folks that most of  the savings is just from circumstances more than anything. Not had to fill the car this last week as I’ve been ill. Obviously not booked to go away this week so no cost there. Consciously not spent money this week as need to carefully consider what we actually need rather than want. Food I think since we have maximised the allotments to produce as much food as possible, meal planning has been done around what is available on the plot, cupboards and freezer and we’re no longer buying organic or ethical/sustainable food/products. I do think that comparing this year to last year week by week is something I will continue as I found it interesting and hopefully it will help us save money.
     So OH has a job interview for the part time job 😁 next week. We’ve also found 2 other jobs that OH has the skill set for. However, these would involve a house move, but they are jobs OH would love to do.
     Washing dried, tea was veggie curry (spinach) from the plot and there is enough for another meal.
    love 🐞

    Grow your own: £14.66
  • Cherryfudge
    Cherryfudge Posts: 13,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Very well done to your DH! 
    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 21/3/22
  • beanielou
    beanielou Posts: 96,915 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive news. 
    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.
  • KajiKita
    KajiKita Posts: 8,628 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That sounds like a really productive day 😊👏

    Poor Miss Giddychops, is she okay today? 

    I’m amazed you still have caterpillars - they disappeared weeks ago here and the, poor, on the wonk, but still growing in its third year, kale has resprouted leaves again 😊

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 64 books of target 52 in 2025, as @ 11th November 
    Produce tracker: £426 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. 
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