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Steadily climbing the mountain, enjoying the view along the way
Comments
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The inner child wrangling can be an interesting process! Hoping that you've got a counsellor who can unlock yours.
Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +13 -
Absolutely that gives me the shudders. Unlocking the inner child. No thanks. Back in hospital feeling abandoned (though I wasent) No thank you.
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 -
🤗
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 family2 -
He seems to have brought back lots of little interesting things, such as the back of a head light shell, the innards without case of a speedo he’s been trying to restore for about a decade, a very special single spark plug (don’t ask me what makes it special - I don’t fully understand but he is delighted with it 😊) and one can he described as a ‘sleeper’ as the 1941 date was obscured but it comes with an attached funnel for topping up a vickers machine gun, which he is planning to sell on.
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.3 -
Sending big hugs for that realisation x
Share as much or as little as you like here, it's your diary.
Also, don't forget in the midst of counselling unpacking which is bound to be upsetting in places, that you have grown into an adult who is able to find lots of quiet joy, in plants and cats and books and lots of other things. That's a gift to cherish, and one a lot of people could do with having ❤️
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty6 -
Thanks MB and hugs to you Beanie x
I felt absolutely shattered this morning and struggled to do much at all.
~ Two loads of washing wrangled and almost dried outside, now just airing.
~ Moved the nicotiana tray that is just starting to germinate from the potting shed to the conservatory 😊~ Sorted out the folded foil scraps in the kitchen into the collection bag for taking to the recycling centre tomorrow.
~ Wrote, stamped and posted an Easter card for my parents. It was the last stamp in that folder so that got decluttered.
~ Weeded greenhouse, watered greenhouse, laid down trays on top of copper rings and moved all of the dahlia and begonia pots down there. I have fleeced them again tonight, as it is forecast to drop to 2C, but at least I don’t have to faff about with the clothes pegs to secure the fleece any more 😊
~ Finished a novel that was hard work to get into last week but I am glad I persisted. Strange but well written story about the mother of Caliban from Shakespeare’s The Tempest.
~ Was polite to the very smartly dressed JWs that came to the door and, after they had finished inviting me to some event or other, gave them back their leaflet saying that I would only put it in the recycling and if they took it back they could pass it on to someone else. The lady who was speaking to me thanked me for my honesty 😊
Mr KK reappeared eventually in mid to late afternoon and we got out into the garden. He had promised to do digging for me today and he kept his word. Between us we:
- Lifted two huge catmint that were sprawling all over their respective roses, replanted viable sections and potted up a couple more for my friend.
- Went through the whole of the sit spot border and dug out all of the aster that takes over every year and drowns everything. Retrieved one section and potted it up for my friend. I have warned her that it is a something of a triffid …
- Mr KK then had at the horribly thorny rose, that is running all through the JM bed, with a mattock! There might have been a certain amount of grunting and huffing … Soooo glad to see that gone!
- Went up and down one of the veg bed paths clearing huge clumps of grass that seal up the path every year. There is more to do, but with his mattocking he got a LOT further than I could have in the same time.
I really, really appreciate his help with this ❤️
Mr KK is now having some tinker time in the garage and I will make a start on fajitas prep shortly as it takes a while 😊Already on 12.6K steps 👏😊
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.4 -
Thank you for the hugs.
I hope you are right about the quiet joy, life has been a bit colourless of late …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 -
Glad you're all set up with your counselling worksheets! Be kind to yourself while you work through. And decibel reneged and appreciate all the good things about yourself now!
2 -
’decibel reneged’? #intrigued … 🤔😂
Yesterday was a lazy one. Did manage to do some seed sowing (Tithonia, calendula Orange King, anchusa and agrostemma 😊) and my rehab. Shoulder is definitely easing - the biggest indicator is that I’m not getting as much ‘pain’ / tightening up at night 😊 Also did some reading, some tapestry and knitting 😊
Did the counselling worksheets - they were far too limited in terms of space, I had much more I wanted to ‘say’ and as the counsellor has cancelled tomorrow’s session (his 22 year old cat is coming to the end of its days) I will probably will redo them on a blank sheet …Today I have been out to see a friend. I have handed over the aster (don’t you flipping dare auto correct that to ‘asteroid’ again! 🙄😂) and nepeta plants to her. There was also cake, laughter and a garden centre - very civilised 😉😊
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 -
Poor wee cat. Glad you had a good catch up.
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
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