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Steadily climbing the mountain, enjoying the view along the way

1585961636477

Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 6,556 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Love magazines being passed on, it's so nice knowing multiple people are getting pleasure or knowledge from something

    It's not very mse but I have you down as a Neal's Yard lass for shower gel, maybe one to add to the birthday/Christmas list 😁

  • beanielou
    beanielou Posts: 99,566 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Can’t believe that’s your week off over already! Hope tomorrow goes well & physio too.

    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.
  • Cheery_Daff
    Cheery_Daff Posts: 18,407 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Glad you've had some lovely time off. Sorry to hear your shoulder is giving you trouble still though 😕 Mine's still niggling after months though it's definitely been getting better with daily yoga. But then I only went to the physio once, so... 😬

    Good luck for work tomorrow. We'll likely be into redundancies soon too - they're trying to get people to leave voluntarily first but I'm not sure there'll be enough 😬 Not a nice situation for anyone to be in 😕

  • PennysIntoPounds
    PennysIntoPounds Posts: 6,556 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    If I have tempted you with Neals Yard at least make sure you go through a cashback site! 😁 They are such a treat and I think right up your street

    Hopefully the shoulder is just responding to physio, so good timing having an appt tomorrow. Say hi to the viking for us * giggles, blushes *

    Hope work isn't too grim. Nothing you can do to change the situation but you can absolutely bring your skills of logic, calm, and empathy to make it as okay as it can be

  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,695 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I love neals yard. We used to have a shop near to us when I lived in London. I used to always wait for the sales to buy anything 😅 these days I use their frankincense day cream every day and then wait for sales for everything else (they often do discount days if you sign up to their website mailing list you'll get told when).

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

  • beanielou
    beanielou Posts: 99,566 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Great result on external H & S report. Be proud.

    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.
  • Humdinger1
    Humdinger1 Posts: 2,902 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper

    Marvellous result on the audit @KajiKita! Yes, be proud as @beanielou says. I hope it provides uplift as you navigate the current situation. I suppose if sulky planner has gone, that's helpful right now? Love Humdinger xx

  • KajiKita
    KajiKita Posts: 10,085 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Thanks @beanielou, I am really chuffed about this 😊

    Yes @Humdinger1, that’s one less ‘head’ we have to find …

    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. 
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