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Steadily climbing the mountain, enjoying the view along the way
Comments
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Physio session today so I gave myself permission to not do any training or shoulder rehab, I did do foot rehab though. The physio session itself was more positive today - he’s adapted one of the rehab exercises to try and move me on a bit and added two more.
Used all that spare time to cook from scratch tonight - stuffed peppers with an ambient stuffing mix of green lentils, cottage cheese, lemon zest and juice, chopped mint (from my garden) with a scattering of toasted sunflower seeds (managed to toast them without burning them 👏😊). Very good, one to repeat.
Feeling a bit more myself today. I have restarted taking creatine after reading Merlin’sBeard’s experience with it, so maybe that’s helped?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.10 -
Glad you are feeling more like yourself today 🤗
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]4 -
@Brie thanks for sharing the rhubarb and custard cake recipe
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 -
Hi @KajiKita glad to read that you are feeling a bit better. What a fabulous location for a honeymoon, and very romantic to return for your 20th anniversary. I recall the historical architecture in Bayeux, and would be thrilled to be staying in 15th century accommodation. Laying a wreath at the war graves is a nice gesture. I am always thankful for those who maintain them with such a dignified respect. You may already be aware, but the phrase 'each grave should have the shadow of an English flower' is often attributed to the gardener designer Gertrude Jekyll, who was consulted by the CWGC after the First World War, to ensure that overseas war graves felt peaceful and reminiscent of an English garden.
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Fingers crossed it helps - sometimes tired brains just need a bit of help!
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 -
It's been a little while … 😊
Things continue much as before over here.
I have massively improved my ability to sleep by refusing to do any more rehab until the pain / tightness / inflammation in my shoulder calms down. The rehab had been expanding and becoming more demanding and the pain / tightness / inflammation was just growing and growing, which meant I couldn't get back to sleep if I woke (dawn chorus, overheating etc.). The Viking is very keen on 'function' and patient pain seems to be irrelevant to to him. I have decided that I am putting boundaries around this now …! Had my first full night's sleep for about 6 weeks on Saturday into Sunday and it made me realise quite how exhausted I was getting. I also skipped / cancelled the physio session this week as I am so very tired of the feeling sore and bruised for several days and then, just as that bit stops hurting, it all starts again the next week … I will go again next week but if it is as demoralising as before, I might just stop for a while and just work with the rehab exercises for a month or so before going again. I do think my instincts are right on this as I have felt cheerful and upbeat, with energy to spare again this week, for the first time in a loooong time …
Work rumbles on … still no definite numbers on how many people will have to leave for the downsizing and we are currently swamped with work partly due to winding up a contract, partly due to doing a favour to a new customer and partly because of a quoting snafu - these are all short term effects and after they have cleared we might have more idea where we actually are. I am losing my H&S Assistant from the beginning of next month which means all their admin work will come to me … I hope I can cope.
Garden is definitely getting away from me 😕 This is very demoralising and I am mainly trying to ignore it … (yes, that works really well, does it NOT! 🙄) I am still harvesting lots of herbs and hope to get a good dose of gardening done this weekend as it is forecast to be dry and warm all weekend and into the BH Monday here.
However, in empowering, positive, MSE news …
I found out yesterday that we all got a small pay rise last month (our GM is still off sick so no-one told us). I checked my take home pay for last month and yes, there is an extra £52 pcm! 😊🥳
As a result I have set up an ETF! Vanguard All World ETF inside 1nvest Engine with £100 from my low interest easy access savings as a start point and a DD for £50 pcm. I plan to run it alongside the automatic £110 OP straight to the mortgage each month and hopefully, after 10 years or so, be in a position to pay off what's left of the mortgage by then (I need to run some more accurate figures this weekend). Mr KK was a bit bemused by me doing this, but I have reassured him that I am only 'gambling with what I can afford to lose'. This is something I have been meaning to do for a while and was on my list of goals for 2026, so it feels good to have got it started in a painless, if low key way …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.11 -
Absolutely the right call on the physio. It should not be like that.
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]2 -
That's a nice extra bit with the payrise!!!
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
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
⭐️🏅😇🏅🏅🏅🏅🏅🏅2 -
I’m so glad you’re feeling more upbeat and able to sleep after cutting back on the physio. Good news on the payrise.
❤️Mum 2018
0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗
Retired at 55 & now living off the equity £10k a year
❤️Dad 2025
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12
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