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Thank god we paid the mortgage off
Comments
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I think I may just turn up at yours for breakfast. It sounds perfect!
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 -
If you let me know when you’re in the area, I’ll set an extra place.
Had a very busy day. Seen 2 friends, 1 in the morning and 1 in the afternoon. Lovely to see them to catch up. 1 friend gave me a pile of stuff to take to chazzer where the youngest volunteers. Gave me permission to keep anything they were donating. The other friend bought me a doorstop which looks just like miss giddychops. Gave it a new collar and put her old id tag on. 🥰. I was really touched such a thoughtful present to say thank you for all the help I’ve given her with mil flat.
FRUGALNESS FOR YESTERDAY.
• no money spent other than bills.
• used nature’s tumble dryer.
• harvested French beans, cucumber, tomatoes, lettuce, apples ( these were used to make tea ).
• weeded the asparagus patch but left in the self seeded dill plants. Will use these over the next couple of weeks. Hopefully they will over winter. (Free plants).
Love 🐞Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26. 11st 20/10/26
week1 averaged 6781 steps per day6 -
FRUGALNESS FOR THE PAST COUPLE OF DAYS.
• having a book cull, scanned some books, just need to package up and send to W.
• fixed the scarfs, hats and gloves draw and culled those not needed. Discovered we also have a glove monster that eats one and leaves the other.
• I’ve started decluttering and organising the cupboard that the above live in. Several items placed in the discard, sell, donate and recycle piles. Discovered lots of unused celebration cards. Also found a box of make your own cards that came from my dad’s. Might come in useful.
• took the youngest old chair back to mums, so I can now get my bike out to use, hopefully save on diesel.
• made my own yogurt (ys milk).
• This week’s sm shop was £28odd. 🤞we won’t need to buy anything else.
• cancelled 2 subscriptions, only £10 for the 2 a month.
• new contract for broadband £25.99 from £31.99.
• the youngest has agreed they will pay for the tv licence as they use it more than us £15 per month saved.
• will make use of nature’s tumble dryer today.
• used lots of produce from the allotment to make meals.
• youngest is meeting up with bestie today, sun is shining so we’ve opted for a picnic rather than a coffee shop.Love 🐞
Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26. 11st 20/10/26
week1 averaged 6781 steps per day5 -
I too have a glove monster. Mine in particular takes the right hand
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!4 -
FRUGALNESS FOR TODAY.
•Had a lovely walk and a picnic, added bonus didn’t have to pay for parking. •Youngest and I have finally had a discussion about the sheer amount of snacks they consume, what they consume and the cost. We have agreed that they will start to buy them as a move towards being able to budget more. I said I will buy healthy snacks yoghurt etc but the rest needs to come from their pocket. This should save us about £30 to £40 a month.
I was going to go to the allotment this afternoon on my bike but I seem to have pulled a muscle in my shoulder from putting the ramp away on the car. Ho humLove 🐞
Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26. 11st 20/10/26
week1 averaged 6781 steps per day4 -
We have a sock monster in our house. Mostly it likes Mr KK’s socks but occasionally it likes to snaffle one of mine! 😉
Well done for the conversations about consumption costs with Youngest.
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.2 -
We too have a sock monster KK. We have a whole draw dedicated to odd socks waiting to be reunited with their soulmates.
MORE FRUGALNESS FOR TODAY.
• identified several items that can be put aside for the car boot sale I plan to do before Christmas. Decluttered quite a few things people have given us as presents or just because. I now only have 3 old cups filled with pencils and pens. Assigned them to their various piles.
• went to the allotment with Mr🐞. It was just a visit to harvest and take down our bean poles. Harvested tomatoes 🍅, herbs, French beans, potatoes 🥔, courgettes and cucumbers 🥒.
• saved water from my shower to flush the loo.
• leftovers for lunch.
• veggie paella made with homegrown courgettes, pepper 🫑 ( there was store bought veggies added) and a sprinkling of parsley.
I think that’s it for today.
love 🐞Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26. 11st 20/10/26
week1 averaged 6781 steps per day5 -
FRUGALNESS FOR TODAY.
• transplanted the cabbages into the greenhouse I cleared today.
• harvested tomatoes, cucumbers, courgettes, french beans, basil and kale.
• made courgette and garlic bruschetta topping mix(frozen), roasted 3 large trays of tomatoes, apple crumble and made veggie minestrone soup ( frozen portion for another day).
• ev, wm and dw programmed to come on when cheap leccy is available.
• bath water saved to flush the loo.
• raided the alcohol cupboard as we’ve decided to just drink what is in rather buy more of the stuff we like. We have a lot of spirts🤢. Baileys was first out🥳. Hopefully we’ll gain some much needed cupboard space🤣.
• other than the above no money spent other than bills.
Expecting a rough night ahead as the youngest has started with a cold 🤒.
love 🐞.Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26. 11st 20/10/26
week1 averaged 6781 steps per day5 -
Didn’t get up till late yesterday as felt a little bit under the weather. Decided to read through some old entries. Hmmm set lots of goals that didn’t happen . Losing weight, becoming fitter, time for me just didn’t happen. Same old story, no willpower, staying power or too easily distracted from my targets. Lots happened since the start of the diary. Are we in a better place? That’s something to ponder on.
FRUGALNESS FOR YESTERDAY
• broad beans have been sown and covered with mesh (reclaimed from the scrap pile at the allotments)to stop critters pinching them or eating the shoots.
• harvested celery, swede and parsnips.
• not necessarily frugal but applied for 3 jobs today.
• made a large and tiny veggie shepherdless pies for tomorrow, used homegrown bay leaf, swede, potatoes ,celery and parsnips.
• tea was homegrown roasted tomatoes, basil and feta cheese with pasta. Yummy.
• put some of my 2026 dried flower (cosmos and candelua) seeds and swiss chard and dill seeds into recycled envelopes. Still got my freckle lettuce seeds to do. Also having a go at saving tomato seeds this year.
• no money spent.
Mr 🐞last day of one of his part time jobs, so let the belt tightening commence. Let’s hope it won’t be too tight and we can still breathe 🤣.
love 🐞Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26. 11st 20/10/26
week1 averaged 6781 steps per day4 -
Ummm… I think you are being a bit hard on yourself. As I recall it, you have had multiple pulls on your time, both youngest and DH have had struggles you have been supportive with and you have been helping others declutter as well. Please take another look and see the wins and successes you had, some of which perhaps weren’t planned, over the last few months …
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.5
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