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Steadily climbing the mountain, enjoying the view along the way

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  • beanielou
    beanielou Posts: 101,552
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Blooming cats 🐈‍⬛

    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.[/b] [11 months left.[/b]
  • greenbee
    greenbee Posts: 19,905
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    My cats have learned that if they trigger the light on the porch I open the door (because I get a message from the security camera that someone is at the door and don't bother to check the video). They also join the dog with the whole 'sitting outside the back door staring until you open it' thing. So I'm basically just a butler…

  • beanielou
    beanielou Posts: 101,552
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    One of my cats sometimes wants out the front door & then sits on the window still looking pathetic until l let him in. Use the cat flap boy!

    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.[/b] [11 months left.[/b]
  • debtfreewannabe321
    debtfreewannabe321 Posts: 11,135
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    We've had on and off awful weather here too. Blizzard like one moment then completely cleared the next! I almost put my washing out and thought I'd do a 360° whilst stood in the garden and spotted a grey cloud, used the TD instead and thank goodness I did as it hammered it down minutes later 😳🤣.

    I hope you sleep well tonight zZzZz.

    Emergency Fund - £1000  
    Groceries October £ 407.02/500


  • teapot2
    teapot2 Posts: 3,938
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite

    Could the upcoming H&S assessment be the culprit for your poor night's sleep even if you are not consciously thinking about it?

  • KajiKita
    KajiKita Posts: 10,921
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite

    thank you 😊

    I don’t think it was last night as I slept well on Friday night. Tbh, I think it was combination of too much refined carbs (I ate lunch out yesterday and there were no wholemeal options) and a very stressed friend …

    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. 
  • beanielou
    beanielou Posts: 101,552
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Hope tomorrow goes well.

    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.[/b] [11 months left.[/b]
  • KajiKita
    KajiKita Posts: 10,921
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite

    Thanks Beanie x

    At least I slept well, which will help my patience 😉 (I took the ‘nuclear’ option of valerian last night …)

    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. 
  • skint_spice
    skint_spice Posts: 13,815
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    Good luck today!

    Mortgage OP 2026 £1920/2000
    Mortgage balance: £29,386

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5



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