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Steadily climbing the mountain, enjoying the view along the way
Comments
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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 😁
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
It is lovely isn’t it 😊 Which reminds me - I should pack some up to take into work tomorrow …
Neal’s yard you say … hmmm … 🤔
Shoulder has been really annoying for the past couple of days. I seem to be even more restricted and I don’t really know why, unless it’s the new rehab exercise the physio added?
However, I have managed a crumb of gardening over the last two days:
~ Got extra broad bean plants in the ground
~ Planted a flat of mixed snapdragons in the cut flower bed
~ Planted two pretty whirly white flowered plants in the cut flower bed - but can’t remember their name! 😂
~ Sowed some chickpeas.
~ Weeded the shallots bed with a new technique - I have a new ‘gadget’ - it’s like a small but robust hand scythe which I am using to ‘h0e’ the surface. Because I have so much bindweed I have always been wary of h0eing but with this widget, you cut through the stems in one swipe and it leaves them standing in the soil and you can just go over them and pick them out 😊 Soooo much quicker. Not a scrap of weed coming through from the membrane / bark section at the back that we did in January - very pleased with this.Tried to make my veggie Sunday roast batch yesterday but a) left it far too late to start and b) made a HUGE batch! 😳 Cooked it today in two 1lb trays and a small bit left over in a shallow tray … That’s all portioned up and in the freezer 😊
Made a batch of tomato, red lentil and cannellini bean soup for work this week 😊
Finished a novel.
Updated my finances and set up my YNAB sheet for April. Chloe’s p3tplan renewal quote had come through, so I have paid that. £30 more than last year, apparently because she’s a year older, but tbh I assume some of it is because we claimed for her surgery last spring. Still, £179 on insurance is a LOT cheaper than the £2.3K we would have had to pay for her ‘repairs’ after her RTA last year.
Not looking forward to going back to work tomorrow as I think we will be straight into the redundancy process announcement etc …. I have physio as well … deep joy …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.8 -
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.2 -
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 😕
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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
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
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 14/242 -
Thanks @beanielou, @Cheery_Daff, @PennysIntoPounds, @debtfreewannabe321 😊 I have a 15% discount for my first Neal’s yard order … I’ll wait until next month though.
There’s a big meeting tomorrow between the site management team and my boss’s boss (boss is off sick for another 3 weeks 😳) when we will be told how bad the impact is from losing the two customers that have gone recently and how many staff we have to lose.
The new planner resigned last week - no great loss - he’s sulked ever since he started with us and just didn’t fit with the team culture we have.
Physio session went well today. I say well … I ‘Owww’d!!’ a lot! 😂 But he did more on me than he has before and worked a knot in my tricep that has been harassing me for a couple of weeks 😊 He’s added a further exercise to my rehab set which I will start slowly and gently as I think I went at it a bit too hard last week.
Had the result of the independent site H&S audit a couple of weeks ago. Shortly after I arrived last year (July) it was 42%. Last month’s result was 82%. That really cheered me up 😊 We still have much to do but we are making progress ❤️Dropped the car off for round two of air con works … 😳
🤞 that it’s not too ragingly expensive …Spent a small dose of time watering all my pots when I got home - that was lovely ☺️
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.8 -
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.2 -
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
2 -
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.3
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