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Investing in Us: Holidays, Health, and the Road to £150k

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I repotted three tomato plants, two courgettes, a lovage, a cola plant and four Dianthus (put in between miniature dahlias because the raised beds are huge and they won't fill it). Used my compost for all and I'm scraping around the bottom of that huge compost bin now as we've used so much of it!

    I also moved a broken old cement bird bath that had been found in a bed last year. The top was ok it was the base that must have broken. It's super heavy so I carefully lifted it on to its side and rolled it to where I wanted it to go and kind of dropped it on the grass. It has a large metal pole in the bottom that would have attached to the base so that stuck itself in the ground and won't move now. I put It on a patch of grass that is dead and put my new solar sprinkler in it which floats around quite happily on the water 😊 throwing up spurts of water every now and then (it was cheap so I'll not moan too much plus it is shady today). I also weeded the rest of that bed I started the other day up to the rhubarb. So the fruit bushes are weeded, along with fruit trees and I still need to do around three more trees and rhubarb but I've left them be for now because I don't want to damage the rhubarb and also a tonne of Aquileia grows wild in there which basically covers the ground so weeds don't really come through too much so I've left it. I've another bed that needs to be dealt with first nearer to the house but I have given in for today. Also the bed I need to do is a wildflower patch with the odd actual plant and fern and tree....so I'm not sure what is weed and what will be a wildflower 🤣🤔 I'm tempted to just leave it and throw around some bark to make it look a little less wild. Or will that make it look worse and more wild 🤔🤣. Hmm…then I have one bed next to the greenhouse that I grew courgettes and sweetcorn in last year but DP wants to pave so we have one continuous path from end of garden back to the front of the garden and around to the front (for green bin/ wheelbarrow etc) so I'll let him do that and I'll have to find somewhere else to grow my courgettes....I'm wondering if they can grow in big pots (I will internet search that).

    I have a problem with ants in my garden they are in everything, every pot and bed and thousands of them not just the odd scout. I would think if you dug down in our garden it's just one huge ants nest. I've soaked everything in the greenhouse because they seem to like dry pots better and I don't really know what else to do 🤔. I'm loathe to use ant powder.

    I also keep finding monkey nuts and conkers dug into my beds as well as walnuts by the cheeky squirrel.

    DP is around half way through the patio now 👏🏻🙏 it's looking good and I can't wait to get out and move the pots on the grass on to it as they're killing the grass 🙈🤣. It's going to look great and I'm glad we spent the money in the garden rather than on a reception party elsewhere that we will only enjoy for one day. At least we'll get to enjoy the garden for the whole summer (then obvs I don't really do much in the cold months out there 🤣). And it has come in at less than half the price of a nice reception room that we were eyeing up when we first starting talking about getting married.

    DD has gone to meet bf mum today she went off nervously this morning so hoping it's gone ok. DP has invited bf on holiday with us in August too and said to DD if you bring your car you can both go do your own thing and we can do ours. I've just had a thought though, DD is going on holiday with her dad and brother in August I best check to make sure we have different dates....

    I think I'll make an easy dinner tonight. I have anxiety about returning to work tomorrow. ☹️ I don't know how to get past this feeling. I am generally ok when in work because I just flick my 'let's go into survival mode and get through the day' switch on. But I am really not looking forward to it. I can't wait for the end of June. 🙈 I know, I know, I shouldn't wish my life away....I'm wishing DP would get his business up and running so that I can help him grow that enough so there is a job there for me to move in to so I can leave mine. Perhaps that's our next vision board manifestation....!

    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • beanielou
    beanielou Posts: 99,820 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Get that vision board done then!

    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.
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,400 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Hey @debtfreewannabe321, just caught up with your diary!

    Just watching 'Love it or list it' whilst reading about your moving plans. Why not! Good luck and let us know how you get on.

    Your dress is gorgeous, lovely choice!

    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £98,655.10/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%

    2). #47 Save 1p a day challenge 2026 £96.47/£780

    3). £2,763.96/£3000.00 - Investment ISA

    4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026

    5). £252.66 / £1000.00 - EF

    6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED
  • beanielou
    beanielou Posts: 99,820 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Get the skip.

    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.
  • skint_spice
    skint_spice Posts: 13,747 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Get the skip and it will free up space mentally too.

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20


  • KajiKita
    KajiKita Posts: 10,147 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Another vote here for get the skip. And ‘hire’ DD’s boyfriend to help fill it 😊

    KK

    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - 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 35 books of target 52 in 2026 as @ 24th May. 
    Produce tracker: £119 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. 
  • Watty1
    Watty1 Posts: 8,258 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Another vote for the skip because then it will all be gone in one go. The other option is that you give up an entire weekend of just filling cars and driving to the tip - and from the sound of it that might not all fit in cars?

    (I've been guilty of just leaving stuff and yet having two skips last year was just so helpful in clearing away the unwanted stuff).

    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 !!
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