Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Cheery Daff
    • By Cheery Daff 11th Mar 18, 7:28 AM
    • 9,110Posts
    • 47,286Thanks
    Cheery Daff
    Cheery's country living adventure
    • #1
    • 11th Mar 18, 7:28 AM
    Cheery's country living adventure 11th Mar 18 at 7:28 AM
    Hello lovely people

    I'm Cheery, been around these parts a long time now and had several DFW diaries over the years, most recently here.

    We are two - Mr Cheery and I. We've been together over 12 years now, and last week we moved from the middle of the city to the middle of nowhere. We were snowed in within 24 hours and unable to leave for a week Quite an introduction to country living

    I now have a mortgage for the first time in my life Mr Cheery had one before, but as it was near the end when I met him, we never added me, and then it got to the end of its 25 year span a few years ago. Now we have a brand new one, and I would like to pay it off as soon as possible

    It's going to take a while - we've borrowed 215,000 over 25 years A reasonable rate though (1.8%), fixed until Sept 2019. Our monthly payment is 890, and I'd like to overpay by 10 at least - with the aim of on average paying off an extra 110 a month to take it up to a round 1000.

    If we don't pay it off early, it'll run til I'm 62, and Mr Cheery is 80 A good incentive to get on with it

    Sadly our building society doesn't have online banking for mortgages (bloody ridiculous) and only sends annual statements, so it looks like I'll be ringing them up every five minutes for a new balance

    I would love it if you dropped in occasionally for a nice cup of tea, especially if you brought along some cake

    More details in a minute
Page 58
    • themadvix
    • By themadvix 3rd Dec 19, 1:25 PM
    • 2,697 Posts
    • 14,760 Thanks
    themadvix
    I love your timed lists Cheery - I'm sure they must make a difference!

    Glad you remembered to insure the car before you went out in it!
    • Cheery Daff
    • By Cheery Daff 3rd Dec 19, 3:24 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    Timed lists do seem to make a real difference for me - otherwise the time just drifts away...

    Didn't end up having lunch with friend as she got .y message a bit late, but I did pick her up and we went to the local town to do a couple of errands each and have a cuppa in a new-to-me cafe which was nice Love having a local-ish pal to hang round with

    Home now so I'm in my 3-4pm segment - best go and get those chicken ladies in! Also it's been so sunny that I pegged the washing on the line so need to bring that in. Can't imagine it will have dried much but at least it'll smell nice
    • Cheery Daff
    • By Cheery Daff 3rd Dec 19, 8:43 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    Well, I've done my final crossings-off (above) and I hope you'll agree I've had a pretty productive day!

    Didn't get round to the plastering, but that was because it was such a lovely sunset I stayed out for as long as I could working on the path, got another six stones laid and by the time I came in I was cold and exhausted and couldn't face DIY too Really pleased with the path though, won't take too long to finish it (although I'm not here tomorrow afternoon, then I have to go back to work on Thursday, so it'll be the weekend now). Didn't go for a walk either because I was too busy getting on with the path.

    Also didn't post mum's present - although I did buy and wrap it, but there was a massive queue in the post office in town so both me and my friend (who also had an errand there) abandoned it and I'll go to the local one tomorrow morning before I leave.

    But other than that, all done!

    Engaged in a stupid (pointless) battle with an online betting shop They're closing operations in the UK, so emailed everyone to tell us to withdraw from both their accounts. I have 5 in one and 3.50 in the other.

    Turns out you can't withdraw less than 15 without incurring a 4 fee I tried depositing (just so I would have enough to withdraw) - that usually works but because they're closing operations, there's no way to withdraw. Wouldn't let me place a sports bet, and their casino has already closed. Apparently I was referred to the 'technical department' yesterday but have heard nothing and they cease trading on Thursday.

    So I'm afraid I was rather short with the woman on live chat (who didn't appear to know they were closing, and said things like 'but you haven't tried to close your account?' - er no - YOU are closing the accounts, not me!). And I'm afraid they now have a rather grumpy email demanding the return of my 8.50 WITHOUT taking off 4 fee for each of their accounts

    Can't imagine it'll get me anywhere - they'll likely just pocket everyone's small change and get away with it. I've already spent far more time than I should have done chasing my 8.50 so will just have to let it go I think!

    Anyway, today's list has been SO successful I'm going to do another one tomorrow
    • Cheery Daff
    • By Cheery Daff 3rd Dec 19, 9:01 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    So - tomorrow...

    Bit of a weird one. We're still on strike - but I confess I'll be going to a meeting Difficult decision, but it's part of a professional organisation, nobody else works for an organisation that's on strike. I'm co-chairing, so theoretically could have rearranged - but we specifically arranged it to coincide with an evening event someone else has organised, so they could come to our thing and we could go to theirs. And it's actually our Christmas social, and doesn't start til 3pm.

    So on balance I'll be going (although I do feel a bit odd about it), but it does mean I can't claim travel (as technically I'm not at work) so I'll have to pay for it myself.

    Hmm.

    Anyway...

    7.30-8.30: Waking up
    * quick shower
    * chickens out
    * walk round the lanes with a cuppa
    * breakfast


    8.30-10: Admin
    * finish wrapping mum's present and nip to the post office
    * ring building regs office (again) to book appointment - they said someone would ring me back today but they haven't, and the bloke himself hasn't replied to my email or builder's text. Not paying builder til they've said it's fine so needs to be sorted!
    * ring up to sort someone coming to collect the old car
    * tentatively open emails to check venue and that meeting/event haven't been cancelled (and try desperately not to look at anything else)
    * make sure satnav works
    * pack bag etc ready for meeting

    10-11: Garden
    * lay another couple of paving slabs

    11-12: Lunch
    * make and eat lunch
    * wash up
    * get changed
    * check final directions etc

    Then I'll need to leave I think - don't want to be rushing trying to park at the other end. Won't be home til about 10 so not much time for anything else.

    Won't exactly be a money-saving day given I won't claim for travel, and we're going out for tea but I will at least have lunch before I leave!

    9.
    • Karmacat
    • By Karmacat 3rd Dec 19, 9:27 PM
    • 32,910 Posts
    • 194,653 Thanks
    Karmacat
    How aggravating is that online betting shop! Huh - with that kind of lack of communication and lack of common sense, no wonder ... I hope you get the dosh back.

    It sounds like the meeting you're co-chairing is your Christmas social? I'm sure there are agreed loopholes for things like that, surely? Even on the picket lines themselves, people still chat and eat and drink, after all. I suppose that hasn't got much to do with it, really, I'm just saying, be kind to yourself about this, you're not exactly plotting a workaround, lots of positive vibes
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • redofromstart
    • By redofromstart 4th Dec 19, 8:29 PM
    • 2,570 Posts
    • 16,455 Thanks
    redofromstart
    I'll have a look at the weekend as to how to post pictures again, its been a while!
    • Cheery Daff
    • By Cheery Daff 6th Dec 19, 9:32 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    I've been using the postimage website to get a link I can post in here redo

    Well my Christmas social was extremely jolly, although it ended up being a rather rushed pizza Was a bit worried about parking though - I don't know Leeds at all, and when I looked online the ve UO was pointing me towards the QPark place which was 18

    Found a council run place for 7.50 and set the satnav to there - but when I was about 0.3 miles away I found a free space Parked in it while I figured out where I was, it wasn't that far from final venue, so I ended up parking for free
    • Cheery Daff
    • By Cheery Daff 6th Dec 19, 9:38 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    Anyway, aside from that all I spent was a cup of tea and about 6 worth of pizza (we ordered 5 between 8 of us as a takeaway to the meeting room )

    Not much else to report. Building regs geezer came and is finally happy with the building work Can't tell you how pleased I am!! Paid the final 500 to the builder and VERY glad that bit is done

    Of course it's all down to us now Can't get final building regs sign off til we're fire proof which means sorting out the ceiling. Tomorrow is pretty sunny so I'm going to finish off the path while it's not raining, then turn my attention to the ceiling...
    • ElmoR
    • By ElmoR 7th Dec 19, 10:39 AM
    • 125 Posts
    • 430 Thanks
    ElmoR
    Good news about the building regs geezer


    Beaming you sympathy on the strike dilemma. I have a strong suspicion that we are in the same sector and I feel much the same as you about having a relatively well paid salary but am horrified with the erosion of the pension and the various inequalities. Our place of work didn't make the 50% threshold at voting time though, probably because we have imminent threat of redundancies and members feel that is a more urgent battle to focus on locally. Another ballot next week though...
    Well done for focussing on positives and things you can control, making solid progress with



    ElmoR x
    2018 40,000 and 2027 M end date
    Aiming to reduce, using OPs: 2019 30k, 2020 20k, 2021 10K, 2022 MF. Update: Oct 2019 at 23.5K
    • Karmacat
    • By Karmacat 9th Dec 19, 6:31 PM
    • 32,910 Posts
    • 194,653 Thanks
    Karmacat
    I was thinking about your path, Cheery especially as you adopted my little-and-often approach and I tried to pm you about a particular builder quoting for me, but your inbox is full. Can I give you a gentle nudge to empty it, pretty please? Deeply appreciated
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Cheery Daff
    • By Cheery Daff 9th Dec 19, 8:07 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    Oops, sorry, emptied some out of my inbox Actually, when did you send it? I emptied it out yesterday when someone else tried to send me a message... so if you only sent yours today it should have come through.... I'l check...
    • Cheery Daff
    • By Cheery Daff 9th Dec 19, 8:20 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    Just checked, seems I have space for a whole 9 more messages so send away!

    Hi ElmoR yes I too suspect we are in the same sector urgh to imminent redundancies though, never fun

    Strange and slightly traumatic day here. Can't remember if I said here but Beaky the chicken is poorly and we decided to take her to the vet this morning, as we'd tried everything we could and she seems to be getting worse rather than better.

    Upshot is she seems to have some kind of egg issue. She's had injections of antibiotics and calcium and been checked over, and all we can do really is keep an eye on her, and keep her away from the others to make sure she isn't pushed out of the food or picked on.

    She'll either pass whatever is stuck (fingers crossed), or she'll get worse and we'll lose her doesn't seem to be much that can be done for a chicken in such circumstances

    So she's been in the house with us, and is now asleep in the bathroom Normally my study is chicken hospital, but it's full of clothes etc and there's barely any room, so the bathroom is the next best option (and we do have a tiny separate toilet and shower that we can use - far too tiny and depressing and freezing for a poorly chicken though)

    So fingers crossed for poor old Beaky if you don't mind. She seems partly ok, still pottering about and enthusiastic for treats, but definitely slow and droopy and best off in here out of the vile weather

    And I couldn't even go to the vets with Mr Cheery as I had a hospital appointment myself. Was referred to a hospital in the opposite direction from anywhere I normally go, a good hour away and actually it took longer, there was nowhere to park, and I arrived flustered and out of breath.

    I'd gone to get a mole checked - and on arrival I was given a gown and told they wanted to do a full body check, which I had NOT been expecting Ended up stood in my underwear twirling round and being inspected. I'm not normally bothered by medical exams but I confess I've felt rather traumatized by this one I think because it was unexpected, and also in my view unnecessary - they did that before looking at the actual mole, which turned out to be (apparently) a seborrheic keratosis - or a type of mole you get when you get a bit older Not a problem, and in my view no cause to inspect everywhere else, but hey ho.

    Anyway, I suppose it's good to have a check every now and then (auto text thing just converted 'check' to 'cheese' ).

    So now I can turn my attention back to sending healing vibes to Beaky...
    • edwink
    • By edwink 9th Dec 19, 9:35 PM
    • 2,289 Posts
    • 14,645 Thanks
    edwink
    Aww bless little Beaky, fingers crossed here for her Cheery

    I think that a body examination was a bit unnecessary at your hospital visit today but I guess they were looking to see if they could find any others. But, I am sure if there were any you would have brought that to their attention anyway whilst you were there. Poor you x Glad your mole is ok Cheery.

    Good luck with laying the path by the way, not an easy job I'm sure. Edwink x
    Last edited by edwink; 09-12-2019 at 9:39 PM.
    3.36 kWp system, 10 x Ultima & 4 x Panasonic solar panels, Solar Edge Inverter
    1 Duck Hoppy, 24 ex-battery hens, RIP Pingu
    2000ltr Rainwater harvesting system for loo flushing Hybrid Toyota Auris car

    Hens & ducks chat thread
    http://forums.moneysavingexpert.com/showthread.php?t=5282209
    • themadvix
    • By themadvix 10th Dec 19, 8:52 AM
    • 2,697 Posts
    • 14,760 Thanks
    themadvix
    Fingers crossed for Beaky! Glad your mole was okay, although I definitely think the whole body thing was overkill!
    • Moneyfordreams
    • By Moneyfordreams 10th Dec 19, 9:58 AM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    litigation years , covering their backs ( and yours )
    get well soon chicken
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • Karmacat
    • By Karmacat 10th Dec 19, 10:49 AM
    • 32,910 Posts
    • 194,653 Thanks
    Karmacat
    An unexpected full body inspection is unpleasant, no matter how helpful they intend to be Blasted seborrheic keratosis (and I cut and pasted the s ... and k ... because I can't keep it in my head as to how to spell the 's' word


    I've been offline till now, so I'm sorry about all the messages that turned up at your door what a life!



    Positive vibes to little Beaky.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Moneywhizz
    • By Moneywhizz 21st Dec 19, 12:53 PM
    • 303 Posts
    • 1,449 Thanks
    Moneywhizz
    I know I don't post on your diary but it is one I read often. Missing your cheery updates and hope all is well with you.
    • Cheery Daff
    • By Cheery Daff 21st Dec 19, 11:27 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    Hi all, and welcome Moneywhizz, nice to see you! Thanks for the prompt, I hadn't realised it had been so long

    And I'm so sorry for leaving a cliffhanger about poor old Beaky I won't make you wait any longer - I am delighted to tell you she has made a full recovery and is back out with the main flock

    Seemed touch and go there for a while though She went even more downhill after I was last in here and I kept expecting to find her dead each morning but we kept her in our house for 11 nights first in the bathroom, and when that just became too mad we made a hospital wing in the corner of the building site kitchen.

    She had a bath with epsom salts and a gentle little massage each day (sometimes twice), extra calcium added to food, plenty of tempting treats (she stopped eating for a day or two so we were doing anything we could to tempt her back).

    She got quieter and slower and we feared the worst but then one morning she'd laid, not an egg, but a bit of rubbery *stuff*, not even very much, only about the size of a cheesy Wotsit but she very definitely picked up after that, slowly at first, building up her strength, but then finally it got quite annoying having her in the house which I've found is the perfect sign of a chicken being well enough to go back out

    Hooray I say!

    In other news... feeling quite festive having done TWO festive band performances this week. Finished work (although I have an application to put in for a kind of extra position which has a deadline of 30th - kind of part of my job but a bit of a side responsibility for an outside organisation - will help a great deal with next promotion application if I get it though). Must remember in the Christmas flurry!

    Nearly got all my Christmas presents Just a couple left. Only wrapped a few, and written precisely NO cards Oh dear. Presents that need posting are clearly not going to get there on time either

    Going to see Mr Cheery's family tomorrow and then got friends visiting on Monday so that's a nice incentive to tidy up

    Anyway, expect to hear more from me - I do love the Christmas holidays for doing a bit of plotting and scheming for the year ahead
    • Cheery Daff
    • By Cheery Daff 21st Dec 19, 11:29 PM
    • 9,110 Posts
    • 47,286 Thanks
    Cheery Daff
    Oh and I meant to say - the reason I haven't been in is because I've been experimenting with leaving my phone downstairs when I go to bed, and not using it while I'm at work

    All good things but it's proper played havoc with my forum posting!
    • themadvix
    • By themadvix 22nd Dec 19, 8:26 AM
    • 2,697 Posts
    • 14,760 Thanks
    themadvix
    So glad to hear Beaky made it!

    I think will let you off not posting as it’s for a good reason
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

996Posts Today

6,825Users online

Martin's Twitter