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

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  • Dakota_Rose
    Dakota_Rose Posts: 974
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    Love the sound of your kitchen set up!

    PBs £3050 (including £1k EF, £1k Christmas & £1050 Little Dreams pot)

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  • Dakota_Rose
    Dakota_Rose Posts: 974
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    🥰 it’s lovely that you love it as you do. We also have a doer upper and I visualise it as it will be one day. The next things on our list are a new front door with some stained glass panels and oak porch, a real fire and built-in bookcases in the sitting room, and a proper patio area in between the house and large lawn. I don’t necessarily need a promotion - I just need not to quit 😂.

    PBs £3050 (including £1k EF, £1k Christmas & £1050 Little Dreams pot)

    24/26 books for 2026

    Take the time to find the joy in each day

  • ArtyJ931
    ArtyJ931 Posts: 486
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    edited 8 October at 7:50PM

    I have a Minton floor in the hall and have picked out one of the tiles and used a lighter shade of it as the wall colour in the downstairs hallway. That’s as far as I have got!

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  • Blackcats
    Blackcats Posts: 4,926
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    @MillQueen - happy Fredagsmys (Sweden's cosy Friday tradition)

    Perhaps you can sit in your "best" sofa, with a cup of sticky toffee tea, some chocolate Brazil nuts and cosy tv or a cosy book. I've got Victoria sponge brew, some Lindt dark mint chocolate, knitting and Inspector Morse 😉. Mind you it's DH's turn to pick our Saturday night film tomorrow and Robocop is anything but cosy!

  • MillQueen
    MillQueen Posts: 586
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    @Dakota_Rose, I am glad you love your house too and those things sound beautiful - they sound like a good investment in terms of adding value as well 😍. Yes, don't quit 🤣. What colour door do you want? I too get excited at the thought of built in bookcases. I'd like to turn the dining room into a library.

    @ArtyJ931, OMG I am so jealous of your Minton floor! This is a stylish choice to paint the walls to suit the tiles. I keep seeing people stripping the paint from stair rails and adding a runner, and I'd love to do all that at some point, but I'm just not really much of a decorator unless I'm paying someone else.

    Spent £11.62 on yellow sticker items, but no other spends today: I got mixed mushrooms, and shitake mushrooms, a bag of pears, bag of sweet potatoes, small toast loaf, large kefir, pizza, gnocchi, 2 packs of zero salt stock cubes, strawberries, tomatoes, cavalo nero, mixed peppers, 6pts of milk.

    I am thinking I'll do something with the peppers, shitake mushrooms and gnocchi tomorrow and that will last a few days and probably be a nice work lunch for my late shift on Monday. Also will roast the sweet potatoes to take for work lunches. I like cavalo nero best on top of a bean stew or vegetable soup, but I haven't got particularly great ingredients for that, so I'll maybe make the potato soup I was thinking of doing, with a tin of whatever beans I've got in the cupboard stirred in, the cavalo nero on top, and maybe even a bit of crispy chilli oil and whatever seeds I've got. Mushrooms on toast will also be an easy thing to have for a weeknight tea (this is one of my favourite cheap meals). If I can get to midweek with what I have then I will be happy, even better if I can be creative and last until next weekend.

    I am trying to get to the end of the month without putting the heating on, but I am pretty cold now. I've put a hoody on and wrapped up in some blankets and a hot water bottle, to watch Twilight with some kefir and strawberries and a cup of bedtime tea. I have been reading about a "no buy year" in which you only spend on essentials, food, utilitues and petrol, and I think I will give this a go next year, at least as a "low buy year", though I like the idea of the full on version. Might give it a go until Xmas to see what it's like.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage (5.24%): starting at -£222,469 (Jan 26) now at -£219,350 (Nov 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£6,900 (Nov 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,650 (Nov 26)

    Jan 27 Tax Fund: £3,000 / £3,298 (Nov 26)

    Net Debt: starting at -£203,926 (Sep 26) now at -£201,700 (Nov 26)

  • MillQueen
    MillQueen Posts: 586
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    @Blackcats, I have just seen this and moved to the best sofa, as you have reminded me 🤣. Happy Fredagsmys to you too! I have got some chocolate brazils hidden (in a place where I will need a ladder to reach them as I was very determined not to eat them before treat time - the trouble is that it's worked a little too well and now I can't be bothered to get them). Gosh yes Robocop isn't quite the relaxing watch you'd hope for is it. I was going to go for Twilight, but decided it's too gloomy. I need to get the most out of my netflix subcription, but I always end up reading instead. What's the Victoria Sponge tea like? I've not opened mine yet, just the sticky toffee one.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage (5.24%): starting at -£222,469 (Jan 26) now at -£219,350 (Nov 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£6,900 (Nov 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,650 (Nov 26)

    Jan 27 Tax Fund: £3,000 / £3,298 (Nov 26)

    Net Debt: starting at -£203,926 (Sep 26) now at -£201,700 (Nov 26)

  • Chocolatefund
    Chocolatefund Posts: 366
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    edited 9 October at 6:15PM

    I’ve also thought about a no buy year, but I’ve still got some final renovation plans for the house. There’s also too much stuff for the house that I still want. A proper wardrobe being one of them.

    I think Id have to get my house exactly how I want it before I attempt it.

    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 / £10,962
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    I eat far too much chocolate...
  • MillQueen
    MillQueen Posts: 586
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    @Chocolatefund, well I guess you could have a "buy only what you want for the house" year and not buy other stuff. Life's too short to never have what you want and be depriving yourself.

    I'm in a bit of a stage where I'm prioritising financial security, as I need to get into a better place with that, and for me it's more important to do that than buy things for the house currently.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage (5.24%): starting at -£222,469 (Jan 26) now at -£219,350 (Nov 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£6,900 (Nov 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,650 (Nov 26)

    Jan 27 Tax Fund: £3,000 / £3,298 (Nov 26)

    Net Debt: starting at -£203,926 (Sep 26) now at -£201,700 (Nov 26)

  • Dakota_Rose
    Dakota_Rose Posts: 974
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    Our heating made a guest appearance yesterday evening but is back off again for now. I’m really cold tonight but can’t complain when under a snuggly duvet with thermal socks and warm clothes on. We never have the heating on overnight whatever the season.

    We’d like a wooden front door that we can paint to match our nice garden gates - a pebble kind of colour. It’s a pretty shade and complements the render of the house quite well. You’ve just reminded me of the stairs and runner we’d like to have done too. I could spend a fortune and become very overwhelmed if I thought about renovating all at once. Since we’ve really settled in, I’ve managed a kind of renovation blindness - I don’t really notice the things that need doing so much anymore.

    Did you go for Twilight in the end?

    PBs £3050 (including £1k EF, £1k Christmas & £1050 Little Dreams pot)

    24/26 books for 2026

    Take the time to find the joy in each day

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