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Steadily climbing the mountain, enjoying the view along the way
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I did similar years back when we had the twins. Cat flap was always unlocked (which is how Mr Stinky kept getting in). For some reason before going to work one day I closed the kitchen door and they were both snoozing upstairs. After a full day at work we came home to a smelly lounge as there was 2 small disposal spots in opposite corners. The plus side was they hadn't done anything on the rug, just the bare floor so fairly easy to clean up.
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Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅🏅🏅1 -
Thanks @beanielou, @greenbee, @Watty1, @Brie and yes, I am quite certain that Madam has plans for her retribution… 😉
Really tiring day today. However, we appear, finally, to be ‘ungumming’ some stuck processes that we really need to get a shift on with ….
Had a physio session today. Not quite as ‘beaten up’ but now realise that the rehab exercise I have been doing carefully and diligently, twice a day, since the last session … I have been doing wrong! I mean literally in the wrong direction. 🙄 I think I was a bit in shock at the end of the session when he showed me and didn’t quite take it in … Sigh … 🤷♀️
Dropped the car off for the air con work. I am bracing myself for the bill … 🤞 Receptionist at this garage was off the charts cheerful and energised, which was a bit bracingly unfeasible at 5pm! 😉😂
Only 4K steps by the time I got home, so I pulled on my gum boots and went out for a gentle ramble in the woods to get some air.
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 -
Checked and updated the mortgage balance last night. Just slid under the £220K level … 😊
Collected my car - £583 all in (parts, regarding, labour, VAT). Not unhappy with that and if I get chance to do my financial updates later, I may have saved more for the cost than that, which would allow me to move some funds back into general savings to cover some of my physio costs … 🙄😉
Seriously wondering if I need to start a pot for ‘me maintenance’ for things like physio etc … Physio was suggesting I start seeing him twice per week - that would be £400 pcm!! 😳 I think not …!
Its been a really hectic, intense day (not bad, just full on). Fortunately, Mr KK is going out so I get some quiet time this evening 😊
Hoping to do my financials and then chill with some tapestry and a novel 😊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.7 -
@KajiKita said:
Seriously wondering if I need to start a pot for ‘me maintenance’ for things like physio etc …
A me maintenance pot sounds like a great idea then the money is there when you need it and it would prevent any delays while you worry/reorganise your budget to find the funds. Early intervention would probably result in a shorter treatment time as the issue has been around for a time while you decide if you really can justify the maintenance.
@KajiKita said:
Physio was suggesting I start seeing him twice per week - that would be £400 pcm!! 😳 I think not …!
Physio twice a week seems a bit steep especially at those prices
In future at the end of the session ask him to email you a description of each exercise, how many repeats ect and if possible a video of each exercise or a link to a suitable videos so you can get the most out of the physio (and have resources if you have a future flare). That way you can study them when you are not exhausted at the end of the session.
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family4 -
Blimey. Twice a week seems a bit much!
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.3 -
Whilst the twice a week sounds a lot (and yes it is!) my experience is that quite quickly the visits can drop to once a week, once a fortnight and then once every couple of months and finding some one for maintenance thereafter can be cheaper "in the long run"
just a thought - can he email you instructions for exercises (mine sends them to me with little videos too!)
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 !!3 -
I spent a small fortune at the chiropractor years ago in a very short amount of time because I was unable to actually walk with a straight back by the time I caved to go....in a month though, I had full mobility and felt better than I had in years and by month three or four I felt amazing..my poor cc took a battering though, I think I spent over two grand in that short time, three times a week, then two times, then down to once a week and bimonthly and so on and so forth before I thought I was going to need a mortgage to pay any more 🤣🙈
Every time I budget I say I will start a 'health' pot for supplements, massage or chiro or whatever and then I find the house somehow goes to the top of the list with it's long list of maintenance and DIY 🙃🙂🫠.
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/243 -
Like Jeeves was 'just a butler'?
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love the idea of a me pot too.
love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.532 -
Invest in yourself and I had the same experience with chiro as DFW, I had to go twice a week for a month then tapered down to once a month although I haven’t been for years now, no recurrence but never again to an office job that discouraged movement!
Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May
Boiler fund £2085/30004
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