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Steadily climbing the mountain, enjoying the view along the way

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Comments

  • KajiKita
    KajiKita Posts: 10,921
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    I’ve always thought that was very canny of you, just been waiting for an opportunity to follow you! 😊

    KK

    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
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    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 76 books of target 52 in 2026 as @ 23rd October. 
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    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 8,726
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    Well, I have to be fair, the first time I read about the technique was in a Jack Monroe book. I know folks have opinions about Jack, and it probably wasn't the personal 'invention' she claims, but that's where I became aware of it.

    Greying X

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  • PennysIntoPounds
    PennysIntoPounds Posts: 7,568
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    Not sounding much quieter, well done on the productiveness. Isn't it so pleasing once you get round to doing summat like cleaning a plant stand 😊 (after several years obvs 😂)

  • beanielou
    beanielou Posts: 101,559
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    I would be sooo cold with a 1 tog duvet.

    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****
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  • KajiKita
    KajiKita Posts: 10,921
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    I was a LOT more comfortable 😊 But then again, it’s 24C in my bedroom this morning and set to get to 31C here today! 🥵

    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. 
  • greenbee
    greenbee Posts: 19,906
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    I’m currently trying to get cool air into the house before it heats up too much. Just listening to something on the radio suggesting that the rest of the summer will also be hot, so need to think about how to keep upstairs cooler.

    I think it’s going to be an inside day today. Possibly planning how to create more shade in the garden in summer without making it too gloomy in winter!

  • KajiKita
    KajiKita Posts: 10,921
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite

    Something deciduous? And in the short term, install a sail shade?

    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. 
  • greenbee
    greenbee Posts: 19,906
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    I've got some old sails at my mum's, which I need to bring over and see whether I can rig them up for shade somewhere.

    The garden is HUGE, and I started from the back (veg plot, then orchard), and am now working my way from the other end (patio) with trellis and borders. I have planted a magnolia grandiflora (currently 2.5ft tall), magnolia genie (2ft and not looking happy), and a cercis donated by my neighbour (2ft) in the grass, as well as putting a row of obelisks in front of the veg plot/orchard to (eventually) screen it, but have a lot of work to do on the garden design to work out where to plant trees/large shrubs, where to put beds, where to put structure. It's a very long term project…

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