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Thank god we paid the mortgage off

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  • ladybird1106
    ladybird1106 Posts: 1,405 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 19 July at 8:14PM

    Cherryfudge I would definitely go back to the area. Lots of accessible places for the youngest.
    The eldest has gone back to uni city after raiding my fridge and cupboards. Feel as if I hardly saw them. They were very tired in between visiting relatives etc, so had to go and lie down due to migraines. Hey ho.
    Spoke to a friend this morning and offered to help declutter and organise their mother in laws property. Then my half sibling asked if I would help them do the same at their house when they are in between jobs in September. Perhaps I should set myself up in business 🤣.
    Best get back to it

    Love🐞

    Declutter 1536/ 2026
    books read 11 in 2026
    £320 🥳 funpot
    🐞change pot £84.92
    £20/£500

  • ladybird1106
    ladybird1106 Posts: 1,405 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper

    my word it’s warm again. Currently at the plot taking out the old broad bean stalks. Leeks are getting clattered by caterpillars 🤬. Having to take nearly 8 rows out to try and salvage something from them. They were visibly fine before we went away. I have 3 rows of recently planted baby leeks so hopefully they will survive. Going to have to invest in some environmental mesh for next yr. I will also look at altering planting times to avoid when the pests are about. Going to sow green manure in its place.


    FRUGAL WINS FOR YESTERDAY.
    • watered future meals.
    • dw and car (used or charged) when cheap electric tariff was.
    • snack- feta cheesecake made with homegrown courgettes, spring onions, mint and potatoes.
    • applied for nhs funding for the youngest dental etc via this site https://www.nhsbsa.nhs.uk/check-if-youre-eligible-help

    • started the ball rolling to see if the youngest can claim universal credit.

    love 🐞

    Declutter 1536/ 2026
    books read 11 in 2026
    £320 🥳 funpot
    🐞change pot £84.92
    £20/£500

  • ladybird1106
    ladybird1106 Posts: 1,405 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper

    So decide to do more investigation work on Motability scheme. Not an option car wise as the youngest doesn’t have a year left as they have to reapply for PIP. Drives me nuts. Their various disabilities are permanent and the bits affected are not going to suddenly work. It’s a horrendous experience (PIP), having to constantly talk about what they can’t do and all the support they need. No wonder the youngest sits with headphones on or leaves the room. They hate it and often feels very depressed afterwards. Sorry for the rant but unless you’ve been through the process you can’t comprehend the detrimental effect it can have on a person’s psyche. Sorry again. So we will try and limp the car on till next year. If this isn’t possible I’ll deal with it then. I just don’t have head space for it now.

    Mr🐞informed me that they’ve been told that there will be major restructuring at work possibly before April 2028 and definitely after that period in an effort to save money. Redundancies will definitely be on the cards and those not targeted will have an increased workload. Can’t remember if I’ve mentioned this before. Need to get him in the union. I knew this was a possibility but having it confirmed has made me feel really down. Just when you feel your getting on an even keel this happens. The washing machine has decided to stick the boot in as well. Making a lot of grinding noises and not spinning. Very soggy washing went on the line yesterday. So far retrieved a bead and parts of a £10. Will try running it a couple of times and see if it spits out anything else. 🤞I can solve it. We’ve had our monies worth out of it and it’s been a real work horse.
    On a more positive note we had a lovely day out. Went to see a new art installation Then went to the cathedral to show the youngest where their great grandad had worked repairing and making various pews etc for the church. Then onto the chippy (mum paid).
    Last night helped a friend with packing up their mil home. They are finding it really hard throwing away her work on the family tree as nobody wants it. A whole room dedicated to it. I was gifted a lovely shell soap dish for helping. Lots of sealed packets of soap for the women’s refuge.

    Love 🐞

    Declutter 1536/ 2026
    books read 11 in 2026
    £320 🥳 funpot
    🐞change pot £84.92
    £20/£500

  • Cherryfudge
    Cherryfudge Posts: 15,604 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    The whole PIP experience is ridiculous - why they don't have a two-tier element with certain things not needing to be reassessed, I don't know. I've seen the adverts with ex-servicemen with prosthetic limbs who are still having to be reassessed.

    It's horrible having a restructure hanging over you (just put in the re-application for one of my jobs, but at least in my case it's not my main job). Do get him in the Union, I've found them very supportive and knowledgeable over a job I ended up leaving.

    It's sad to be packing up someone's home, but good that you have found found better uses for things like the soap and they aren't just being binned. If the MiL was a member of an online family history group (the sort that has subscriptions) it may be that the information is saved digitally, as they create a web of information and other people may use her research. If not, well, the information must still exist in some form, apart perhaps from anything anecdotal.

    You will probably already have checked the filter on the WM, but that brought ours to a halt and was surprisingly easy to solve. Since then, cotton makeup removal pads have gone in a net bag!

    The day out sounds so nice, and just what you need to help counterbalance all the other stuff.

    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
  • KajiKita
    KajiKita Posts: 10,687 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Huge sympathies on the PiP process - it seems to be a universal experience of the process 😕

    Also agree with getting Mr LB into a union - I am with Un1te and they have been fantastic when I have had my various employment struggles over the years. Is there a recognised union where Mr LB works? Sometimes being part of a collective adds weight to discussions with 'De Management', other times you can get a bit lost in a crowd, so there are advantages and disadvantages to being with a recognised one.

    Huge sympathies on the WM issues. Depending on how much of the £10 note you can retrieve you might be able to reclaim it via this:
    Damaged and contaminated banknotes | Bank of England

    Glad you had a good day out 😊

    For the family history, the Mormons might be interested?
    Meetinghouse Locator

    KK

    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 63 books of target 52 in 2026 as @ 2nd September. 
    Produce tracker: £315 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. 
  • daisy_1571
    daisy_1571 Posts: 3,242 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    thats just mad thinking when the link between pip and motability is looked at in tandem rather than when it was probably introduced in isolation. It would save so much staff time and client energy if there was more joined up thinking,. Sometimes it must make you despair of any sort of common sense

    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'
  • beanielou
    beanielou Posts: 101,046 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    I so hear you on the PIP assessment. So demoralising and depressing.

    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.

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  • badmemory
    badmemory Posts: 10,676 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper

    Yet my DS has just had his PIP approval extended for 4.5 years. There seems to be no logic to it.

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