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Steadily climbing the mountain, enjoying the view along the way
Comments
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Blimey well done on all that. Absolutely in agreement that a chippy tea is in order for the household tonight!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Great news on the higher OP.
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.2 -
Thanks @PennysIntoPounds and @beanielou 😊 Mr KK was very pleased to ‘see’ the effect his OP had had (it wasn’t all due to his OP, but let’s not spoil it for him, yes … ? 😉).
Chilly and very damp here with periodic monsoon like showers … 🙄Headed west into Wales to get my haircut done. Hairdresser was in good form and we had lots of chat about not exercising too intensively.
Popped to sainsbergs and withdrew my monthly pocket money 😊. Also picked up some organic cooking oil (unwanted sub in main shop) and some interesting looking mixed precooked grains - I’m trying to be bolder with food choices and this is a less expensive way of trying things than committing to a whole bag of the uncooked grains.No major plans for this afternoon, might get out for a walk after lunch if there is a gap in the showers.
I am aiming to get my shallots potted up and peas sown this afternoon 😊
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.4 -
Happy new hair.
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.2 -
Thanks Beanie, though it’s a bit messed up after an hour or so in the garden! 😉
I did get out for a walk and then it has stayed dry for the rest of the afternoon 🤷♀️
I started by potting up my shallots - some biiiig ones I saved from my patch last year and some new, apparently sweet ones 😊
Sowed a few peas - not too many as it’s still so early. I also potted up two dahlias I might have accidentally bought last weekend 😉 - dark orange and dark pink in case you’re wondering. 😊 It was still dry after that, but way to wet to weed,or work in the veggie patch, so I pruned another couple of small branches off the lollipoped Japanese maple and then coppiced the three hazel stumps in the coppice. Two of them hadn’t grown much but the other one had grown a lot! I divvied up the prunings into obvious pea sticks and big branches and I will have to further process the latter at a later date … As is customary when doing a job like this … I spotted another job … there are many, many baby brambles in the coppice that need hoicking out! Not today though, I’m done for today 😊
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.5 -
I'm so Impressed with your winter gardening KK. I love dahlias and want to buy some for here. If they need potting soon I should get on to that asap.
Hope you have a restful weekend as well as the gardening and shopping etc ☺️
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/243 -
Dahlias don’t need potting yet and it’s certainly waaaaay too early to start thinking about putting them outside! The reason I pot them up is that I see to follow the rules and loosely cover the dried tubers in fairly dry compost and then repot come spring. However, I kept finding that they were ALREADY rooting into the loose compost and it distressed me to break all these delicate roots to pot them up ‘officially’ iyswim. So, now I pot them up in dryish compost as soon as they are dry after the autumn lifting. It is a good time to go and look for tubers though 😊
I’ve been doing my financial updates. It’s not good … I’m sliding back into spendthrift ways, mainly on the garden. I also seem to have a duplicate subscription to the refillable water filters system I use!! Argh … Feeling stupid again … sigh … 😢
Mr KK has reassembled the office / craft room again but has set up the WiFi box and his poxy set of shelves for his modelling kit (additional to how I designed the room FOR ME!) that means I can’t open my craft cupboard doors properly. There is also a lot of model boxes, on top of my craft cupboard that weren’t there before we started with the room mess about. I am really, really grumpy about this. Not helped by his casual attitude to the issues … Trying really hard not to rip his d@mned head off atm … 🤬
KK
As 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.6 -
Ooh Mr KK you better get on with cleaning that room! You could always offer to help ? And go in with bin bags and chuck it all in there. He'd soon get it spick and span 😆🙈
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/241 -
To be fair it was perfectly clean, it was just the way he’d put the furniture back in the room - the one door of the big oak wardrobe that is my craft cupboard was blocked by his modelling shelving. Originally his shelving was closer to the room door, so although access to the side of my cupboard was a bit restricted I could at least open the door fully. When I realised what he’d done and tried to open the cupboard door and couldn’t, he just shrugged it off. That was what annoyed me. It felt very selfish and “I’m alright Jack” …
Anyway, I snapped over dinner. I think he realised quite how annoyed and hurt I was and we have moved the furniture back to where it was before the room got ripped apart. I didn’t shout - I went into cold and implacable mode, always dangerous, Mr KK doesn’t see it often and respects it.
KK
As 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.6 -
What goes on inside their tiny fluffy minds?? If it was the cupboard with the C-word decorations in it, fine, but not something that is important to the creativity and wellbeing of the KK.
They rely too heavily on looking cute naked sometimes.
4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******4
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