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Steadily climbing the mountain, enjoying the view along the way
Comments
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1st half of bed cleared. Given both sides a good watering ready to transfer the fern later. The sun is too strong to continue now. Come in for a breather and then I’m off to the local plant centre for salvias - they will love it there! 🤩❤️ (I will pay for these from my ‘pocket money’ so it should remain an NSD … 😉).
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.4 -
Hopefully it’s now finally on its way to being resolved.
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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]3 -
That is very rude of Chapel people but we didn't expect any less of them did we!
Take the victory and focus on being pleased (and gracious if you want to, you don't have to 😁)
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Thanks @beanielou, @PennysIntoPounds 😊 Hopefully it will fade into distant memory swiftly! 😉
Really restless night last night thanks to the heat and dozing off too much in the garden yesterday I think. Slept in(!) until 5.45! Managed to stagger outside by 6.30am and got some plants in the ground. They look luscious 😊 I got a bit singed yesterday so stopped earlier before the sun got too high and have been out to do my gym induction. It wasn’t as bad as I feared. I could do most things (at low intensity / reps) and the hardest part was actually climbing in and out of the gym machines!
I have signed up at £35 pcm and got my programme. Just need to find a routine that allows me to get there two to three times per week now.
Bit hot now, so I will be resting / chilling until late afternoon.
KKAs 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.5 -
Your sleeping in is very different to my sleeping in 😂 Good on you for getting stuff done especially gym, blimey!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Oh my poor dizzy aunt, it’s hot and sticky here. Still 32C at this time of the evening and the overnight low is only going to go down to 23C … Ugh …
I have been a well behaved daughter. My dad went to Brazil for a conference a couple of weeks ago and deliberately went a week early so he could have look around, find waterfalls, do some walking etc. I have to say the pictures he sent were fabulous. He was loaded down with gifts when he left including some for me, which he has sent onto me. So I have been polite and emailed two people to thank them, who I don’t know, will never meet, for items I don’t want, and was chatty and engaging about said items …
Meter readings submitted. It was dubious about the gas reading, I’m not sure why. 🤷♀️
Really struggling now with the heat. It’s like it’s got into my body and I just can’t cool down.
Thank goodness it’s only one more night (for us).
KKAs 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.5 -
My comment on the sleeping in was mildly sarcastic! 😉😊
So looking forward to some cooler nights, not tonight though ….
K.k
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.4 -
hi a bit random, but have you tried sleeping with a hot water bottle filled with cold water. I didn’t think it would help but helped me sleep last night. Bottie is in the fridge ready for tonight 🥳.
love 🐞Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26. 11st 20/10/26
week1 averaged 6781 steps per day6 -
Gorgeous flowers (Scabious for the little ones? I had those once here but they did not survive the sand)
I'm glad the chapel has been resolved but yes, I hear you on their inability to listen at the outset
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
I'm glad the chapel issue has been resolved but actually quite rude for them to come out and test without asking permission first!
Glad you had a good time away
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: +12
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