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Turning Straw into Gold: Creating Long Term Security & A Solid Home

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Comments

  • MillQueen
    MillQueen Posts: 368 Forumite
    100 Posts Name Dropper Photogenic

    Thank you, I had a think about it while I was on my walk and decided to try the quiet quitting. I can’t keep stressing about it.

    I’ve bought a little church pew for £5 in a charity shop. It will make a nice hallway seat though it needs a new coat of paint. I got 2 books for £1 each and I’m going to make a vegetable casserole now in the oven.

    Updated last day of the month… focus improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)

    Investments: starting at £50 (Jan 26) now at £990 (Jul 26)

    Jan 27 Tax Fund: £2,627 / £3,298 (Jul)

    Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)

  • MillQueen
    MillQueen Posts: 368 Forumite
    100 Posts Name Dropper Photogenic
    edited 14 June at 11:10AM

    I've got another Claire Douglas book to read from BorrowBox called "Local Girl Missing" and I am getting really good use out of this. I do prefer to read a physical book, but getting the books back to the library in time tends to mean I end up paying a few quid as a fine, so going there in person isn't cost effective.

    Today is a no spend day as I am at home reading my book, having a walk later (and I have a free coffee to claim from Greggs if I walk into town). I've got the rest of the vegetable casserole to eat for lunch and I am possibly going to the gym later on if I feel like it. Everything hurts from the induction yesterday, so I'm not sure I'm ready to go back yet, probably tomorrow. I have a lot of work to do but pointedly not doing it. Quiet quitting 👍️

    Updated last day of the month… focus improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)

    Investments: starting at £50 (Jan 26) now at £990 (Jul 26)

    Jan 27 Tax Fund: £2,627 / £3,298 (Jul)

    Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)

  • MillQueen
    MillQueen Posts: 368 Forumite
    100 Posts Name Dropper Photogenic
    edited 14 June at 2:20PM

    Talking myself out of spending £18 on having snacks delivered. Must not give in to the urge for an impulse spend. Must stick to plans.

    Updated last day of the month… focus improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)

    Investments: starting at £50 (Jan 26) now at £990 (Jul 26)

    Jan 27 Tax Fund: £2,627 / £3,298 (Jul)

    Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)

  • MillQueen
    MillQueen Posts: 368 Forumite
    100 Posts Name Dropper Photogenic
    edited 14 June at 4:21PM

    Making a cherry Bakewell yoghurt bowl as a distraction from delivery services. This will involve mixing fat free Greek yoghurt with oats and almond extract. Then I will put frozen cherries and ground almonds on top and a sprinkle of flax.

    Edit: The verdict was that this is very good! And it did distract from ordering stuff. I am trying to return to eating UPF-free as much as possible.

    Updated last day of the month… focus improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)

    Investments: starting at £50 (Jan 26) now at £990 (Jul 26)

    Jan 27 Tax Fund: £2,627 / £3,298 (Jul)

    Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)

  • liselle
    liselle Posts: 400 Forumite
    Seventh Anniversary 100 Posts

    Does your library not permit renewals online?

  • MillQueen
    MillQueen Posts: 368 Forumite
    100 Posts Name Dropper Photogenic

    @liselle, it does, but when I keep renewing them online I eventually I forget and miss a renewal and then the fines start. I wasted £11 borrowing 2 books that way.

    Updated last day of the month… focus improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)

    Investments: starting at £50 (Jan 26) now at £990 (Jul 26)

    Jan 27 Tax Fund: £2,627 / £3,298 (Jul)

    Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)

  • Dakota_Rose
    Dakota_Rose Posts: 572 Forumite
    500 Posts Name Dropper Photogenic

    That cherry bakewell bowl sounds delicious!

  • Chocolatefund
    Chocolatefund Posts: 314 Forumite
    Part of the Furniture 100 Posts Debt-free and Proud! Photogenic

    Didn't know this was a thing. Must try it sometime.

    Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest

    Starting date January 2026
    Car loan: £23,000 / £16,584
    Laptop loan: £1,500 / £625

    I eat far too much chocolate...
  • MillQueen
    MillQueen Posts: 368 Forumite
    100 Posts Name Dropper Photogenic

    Today's version is banoffee pie yoghurt bowl (oats with greek yoghurt and vanilla extract, with banana slices and a couple of chopped up dates, and a smashed up lotus biscoff biscuit).

    Must enjoy the motivation to make creative food while it lasts, as I'll be back to toast and weetabix soon.

    Working from home today and I need to go to pick up my replacement water flosser from the Amazon locker across town later. If it's delivered early-ish I am going to walk there at lunch time and have a look at the yellow sticker veg in the supermarket on my way back.

    Updated last day of the month… focus improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)

    Investments: starting at £50 (Jan 26) now at £990 (Jul 26)

    Jan 27 Tax Fund: £2,627 / £3,298 (Jul)

    Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)

  • MillQueen
    MillQueen Posts: 368 Forumite
    100 Posts Name Dropper Photogenic
    edited 15 June at 4:38PM

    I've had such a nice few days quiet quitting that I think I might also become quietly unreliable, in order to stop people asking me to do things. Just get really invisible and only do what's absolutely necessary.

    Updated last day of the month… focus improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)

    Investments: starting at £50 (Jan 26) now at £990 (Jul 26)

    Jan 27 Tax Fund: £2,627 / £3,298 (Jul)

    Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)

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