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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 1,584Posts
    • 13,085Thanks
    f0xh0les
    22 Foxhole East
    • #1
    • 12th Aug 16, 1:55 PM
    22 Foxhole East 12th Aug 16 at 1:55 PM
    I just made my first mortgage overpayment.

    We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!).

    So far I have replaced 2 Velux on the attic floor so the rain stays on the outside (very rotten frames)

    Have had a full electrical rewire as the wiring was underneath the wallpaper - not boxed or chased in, just behind the wallpaper and skirting boards. Got a shiny certificate and everything now!

    Decorated 4 kids bedrooms and put down new carpets in 3 of them

    On the still to do list for this year

    - new roof and insulation - nails degrading! Snow could cause a huge problem. Better get it sorted really.

    - New shower and bathroom flooring - water damage, holes in floors (!) we should have moved the bath mats when we were viewing, they hid a lot of damage.

    Plastering and decorating.

    Nice carpets!!

    Shelves!

    That will be the two top floors done and I can kid myself I am 2/3rds of the way finished

    Not attempting anything on the ground floor until 2017 - so no talk of log burners,knocking down walls, kitchens, damp proof courses, shower rooms or the like. That way lies madness, shhhhh, next year, at some point...

    So, let's talk money.
    House cost 160,000
    Deposit was 41,315 (sale of previous nasty Manchester Foxhole)
    Amount borrowed 118,685

    We got a 1.94 % fixed for 2 years with Accord which rises to something ridiculous like 7% so remortgage time in 2018

    We will repay 1.82 for every 1 borrowed over the 26.5 year life of the mortgage unless I overpay

    I have just rung Accord, found out I can repay up to 10% of the total amount borrowed (each year without penalty), can make as many overpayments as I like per month without penalty, but cannot check on the balance online. I have to ring up a silly automated 0345 number that will tell me what the balance is! I will have to remember to ring it on my mobile so it is free.

    Monthly Mortgage repayment 467.00
    An overpayment of 200 a month would knock 10.5 years off the life of the mortgage.

    We are planning on spending 5 years living here, and them moving elsewhere due to the nature of DH's work. So, lets see how much I can throw at this mortgage.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
Page 39
    • f0xh0les
    • By f0xh0les 14th Jul 18, 11:56 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Executive decision has been made.

    Today I am doing NOTHING!!

    I plan to float around a bit, make people food, and maybe do a load of laundry.

    We are off to a YHA tomorrow for a night. Not far away, but we still do not know this area much, even after 3 years and I just nod and smile when people are talking about where they have been around here.
    I have been lazy, and while I dragged all 4 about the place in Manchester and Sheffield, the eldest 2 no longer want to come along with the youngest 2, and so the 2 smaller ones are missing out on all the park trips and swimming trips and museums that the 2 older ones had. Plus this rotten hayfever has not helped this year.

    Tomorrow I am taking them all to an Abbey, a reservoir, a forest and.......... an outdoor swimming pool that stays open until 10.30pm, so hopefully not too many applications of sunblock if we go later in the day. I got 2 x 3 bedded rooms for 13 each after all the discounts and sales reductions came off. Should have been 3 x that.

    As long as I can find a cafe and somewhere to eat, DH will be a happy old chap.

    He is easily pleased.

    Still want to find a few days by the sea, but the sales are not yet on, and DS1 has decided he is allergic to sand. He would be happy in a cafe though. Like his Dad. To him, a trip to the seaside = chips and peppermint rock.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • therocket
    • By therocket 16th Jul 18, 1:21 PM
    • 46 Posts
    • 173 Thanks
    therocket
    Delurking for a moment to agree with your DH and DS1! Chips and peppermint rock are definitely THE things to get excited about when at the seaside! Enjoy your break!
    MFW - diary incoming!
    • f0xh0les
    • By f0xh0les 16th Jul 18, 5:09 PM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Thanks!
    To me it is all about the wobbly stuff at the end of the land. Hey ho!

    Just back from 30 minutes away . Lidos are lovely, there used to be one about a mile away from us, but they filled it in sometime in the 70s and built houses on it. No real outdoor place to swim here, but over in Ashby de la Zouch we enjoyed an hour and a half swim, and then sat in the sunshine waiting for the boys to finish dressing. Very civilised too, at less than 18 for 6.

    Did the reservoir and the forest and the lido. That was enough for a 24 hr visit, and had a lovely indian for supper last night.

    So, laundry and packing to leave on Wednesday!

    No other news, sorry!!
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • PurpleFairy26
    • By PurpleFairy26 16th Jul 18, 5:56 PM
    • 2,272 Posts
    • 15,365 Thanks
    PurpleFairy26
    Did you go to the outdoor pool by the castle? Or somewhere else? Enjoy the next break
    • f0xh0les
    • By f0xh0les 16th Jul 18, 6:23 PM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Yes the one at Hood Park by the castle. It was lovely as there were not many in, and it conveniently clouded over for an hour. Then it was splash time with floats and inflatables, and it started filling up with kids, there does not seem to be a time limit, and people coming in looked like they were there for the day with a picnic.

    I used to go to Brockwell Park lido and Tooting Bec Lido when I was a kid - I mean with my older brother, but still, a 5 yr old with a 7 yr old - no adults, 1970s parenting !

    Miracle any of us survived- mind you, that is why I hate water on my face and can't swim underwater, pushed in and went under. whoops. Will have to get over that at some point.

    It has rained today for the first time in a month. Just started. Lovely.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 1st Aug 18, 4:35 PM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    And now I'm back, from outer space - oops, sorry, seem to be channelling Gloria Gaynor.

    M-i-L managed to hold herself together for 2 1/2 whole days- DH left 6ish on Sunday morning , and she did not say a single word to me until I left at 10.30, so even if I was being given the silent treatment, at least she managed to be civil to the kids whilst handing out 20 notes as bribes. Was utterly bored to death, I am sure they (f-i-l and m-i-l) don't even speak to each other if they can help it. There was a strange air underlying the whole visit. They are rarely in the same room at the same time. I think DH is grateful I rescued him.

    So went up to step-gran, got there for lunch and found she had a 'dizzy spell' the night before,'I'm fine, don't fuss', by 9am the next morning she was waiting for the Dr who immediately sent for an ambulance and she spent 3 days in hospital. Blood pressure wildly different on each side of her body and a racing heart so fast they could not tell if there was arhythmia or not. Lost the ability to walk at all and no coordination on her right side. They did not take her to the local hospital but straight to the Royal in Belfast.

    Then the silly old bat lied to the doctors, said she lived with her daughter (I take it that would be me) and that she had carers coming in 3 times a day, every day, and they sent her back home in an ambulance!!
    She had an allergic reaction to the iv-antibiotics in the hospital, so they changed them to tablets, and she had an allergic reaction to those ones as well when she was home, so the gp told her not to take them - after 16 hours of being out of the hospital, and did not prescribe any more antibiotics. Did not prescribe an anti-histamine either, So after she swole up and went lobster, I ended up rubbing cooling cream over most of her body (!!)

    Honestly, you could not make it up!

    I managed to take the kids swimming one afternoon for an hour, apart from that
    the poor things were in one room down in the bedroom, and tbh, they were brilliant. Hardly any fighting, and just went off and sat in the cafe together at the hospital for 2 hours a day as kids were not allowed in the ward she was in, and I did not really have anyone I could leave them with.

    She is convinced nothing is wrong with her, I mean you do not just lose control of your legs for no reason! But no, I am over reacting.

    So we had a thoroughly miserable time really. And now I find myself wondering if she is sitting there pretending she is fine, and just a bit dizzy, or headachy, and is going to do herself permanent or fatal damage.

    But she is an adult, even if a very silly one, who wants to be in her own home, even though I now believe it is not in her best interest to be so, and she is entitled to make bad decisions. The only way she will go into a home is if she is wheeled in backwards . She refuses to even consider the option.
    Even though she is lonely, is isolated,is now basically housebound, and her 3 friends are all now in their 70s or nearabouts and cannot help her out, she hates her carers, and now can add some kind of heart problem to her list of ailments and woes.

    So there. And then she told me I should be grateful as I had had a holiday, she would not be going anywhere!

    I did have thoughts of poisoning her cornflakes. Sorry. She was really vile.

    And then she asked if I would be able to get over there again this year as Easter was too far away and she had not been able to get stones delivered for me to fill in the holes in the private road she lives on. I nearly spat my tea across the room.

    Not so much taking the biscuit, she did not even offer me so much as a biscuit the entire time I was there. Just 'is it not time you were in the kitchen making lunch?' honestly, I am sure not all old people are this selfish.

    But I am now home. Hooray!! Though I dread the phone ringing now......
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • kerri gt
    • By kerri gt 1st Aug 18, 9:38 PM
    • 7,248 Posts
    • 50,145 Thanks
    kerri gt
    Welcome home f0xh0les Your 'holiday' sounds nothing short of horrific and I think thoughts of poison cornflakes were well warranted in this case. You deserve a medal for biting your tongue through it all.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • in need of direction
    • By in need of direction 1st Aug 18, 10:13 PM
    • 5,195 Posts
    • 30,373 Thanks
    in need of direction
    call screening?
    Mortgage at 01.01.14 119,481.83 today 74,745.76, target 65,000 by 31/12/18 Offset fund today 297.27 target 5,500 by 31/12/18
    Emergency fund 860/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • f0xh0les
    • By f0xh0les 2nd Aug 18, 7:38 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Right, mortgage related stuff

    Had to put overpayment on hold for July as had to keep money back for boat and emergencies, but now all cc bills paid and money juggled.

    Start of August stats:

    Mortgage currently at 104,900.00
    monthly interest was 142.12 for July
    daily interest was 4.58
    in July

    So I need to find 900 this month - and I am not sure I can do this.

    I am starting to think that maybe I should raid the kids regular savings accounts fund- currently 2,800 and pay off a lump sum on the mortgage, then pay them back at 400 a month, instead of scrabbling each month for the extra.. I am determined to be at 100k before 2019 begins in 5 months time.
    Will take a bit of wiggling and jiggling but I can do this.

    Renamed my mortgage overpayment account - it is now the Christmas Fund.

    Got Luv2Shop vouchers yesterday for 4 for the postal thing I do - I now have an envelope and for the next 5 months they will all go in there when I earn them and will help to fund it all. Should earn some every month.

    Got my free stamps for the postal survey I do

    5 payout on p/a
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 2nd Aug 18, 9:16 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    9.10 on Luv2shop postal survey topupable gift card

    6.00 on T0sc0 cl0bcard

    25 pending in Qui?dco for ferry - due October

    60 in my purse

    Need to inventorise the pantry and fridge freezer as I have no clue what we have in the house. 10days on his own and the house is chaos and DH doesn't know where anything is, or what we have in either.

    So today will be - banking, buying football boots and shin pads, meal planning and shopping and cleaning, tidying, and organising.

    Checked the paper strips I left under the gap under the skirting board - left them 2 weeks. No sign of new munchings...... mind you I was a bit splash happy with the old wood worm killer repellent stuff. Or they could just be hiding.....

    Have managed to wade my way through all the post, I have a laundry mountain to climb, tomorrow is supposed to be in the 30s so it will all dry nicely. Glad I laundered all the beds before I left I only have to do mine as DH has been in it while we were away. And it is over 10 degrees hotter over here than it has been in Ireland, so the difference is really draining.

    M-i-L rang last night and tried to kick off - jealous
    whatever!

    So - enjoy your day, whatever you are up to.

    I am so ridiculously happy to be home, and I can actually see what I have achieved in the house so far. Yay! Go me! Let's face it, I have to be my own cheerleader around here.

    Off to herd kids - see ya!
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • Sayschezza
    • By Sayschezza 2nd Aug 18, 4:15 PM
    • 295 Posts
    • 2,662 Thanks
    Sayschezza
    If I remember correctly, woodworm are more active in September so put it in your diary to check again when the kids go back to school.
    • f0xh0les
    • By f0xh0les 3rd Aug 18, 5:30 PM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Step gran is back in hospital. She has gone in for more tests to find out what is the matter with her. She has no energy and a constant headache.

    So she is back where she should have been all along, and has managed to convince herself she was just being brave so I could have a nice holiday with her while she hid how unwell she was feeling. There was no hiding going on, she just did not want to be alone.

    Trying not to be annoyed with her.

    Anyway, sorted her house and contents insurance for her this morning.
    Ambulance picking her up in the next hour.
    Cashed out 12 from prolific last night - got a survey for 7 for a half hour. Moved cashout straight to mortgage account.
    There is now food in the house.

    That is enough for now.
    • f0xh0les
    • By f0xh0les 6th Aug 18, 4:33 PM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Step gran still in hospital, they cant stabilise her temperature due to this infection she has (bloodwork confirms infection - scans can't find it) and now they have withdrawn the iv- anti-biotics and are keeping her in for another couple of days. She is very not happy

    She is complaining about being on a geriatric ward (she is 79 in November) and is highly offended as she does not consider herself to be a geriatric. She hates the food and is complaining about the tiny tiny portions (she complained about the waste in the last ward because of the huge portions) and it is apparently too cold, and the tv is too loud, and the first bed was too hard, and the second bed too soft and there were bears everywhere!!!


    Took DS3 and 4 off to the Leicester City 1 football club during the school holidays. They loved it and are back every afternoon this week and next. I took the time to spend an hour walking around the perimeter of the park. Only managed 6km in the hour, which is rubbish, but it is a start. then I sat under a tree for an hour and watched the kids playing football, I will do it again tomorrow.
    Came home and found the missing 2 sets of shin pads - both in DS2's chest of drawers. In the same drawer. Where I said they were......

    Posted postal spyware survey stuff

    Managed to cut 3/4 of the front hedge, before the cutty-thing gave up and seized on me, so I have WD40'd it and will wait and see. better 3/4 of a tidy front bush than none. Said a sailor...........at some point........probably...... maybe......

    Bins out tonight for emptying tomorrow, so all the recycling done and hedge trimmings in the bin and front garden tidied.

    All kids tidied and hoovered their bedrooms at the weekend, so that is a most excellent change.

    No idea what to cook for tea tonight. It is just too damn hot over here. The kids still want food though, so will have to cook....... they reckon we will lose the 27 degrees over the next few days and may get down to 18 degrees on Friday but it will be 18 degrees and rain, so humid and nasty, instead of blisteringly hot and nasty.

    Oh well, 20 weeks til Xmas!

    Roll on Darkness
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • chumpy45
    • By chumpy45 7th Aug 18, 10:31 AM
    • 325 Posts
    • 1,418 Thanks
    chumpy45
    Hi Foxholes, I have recently read your diary from start to finish and have so enjoyed your adventures and admire your massive achievements with MFW and DIY ! My OH is not fully on board (although he would like the mortgage gone lol) so I can understand that you feel you are doing it "solo". I also have a house of boys (4) although the 3 elder ones are in various stages of employment and uni so life is a little easier, but I really laughed along with some of your very familiar stories of lost uniform, shrugs, and feeling like a taxi/bank. I am looking forward to following along with you
    Starting Mortgage 01.08.08 171,209.24. Mortgage as at 01.09.15 - 54,780.04; 01.11.15 49,577.04;01.03.16 45,799.32; 01.08.16 42,418.93; 01.10.16 40,119.5 01.02.17 36,584.00; 01.04.17 34,694.71 09.06.17 32,828.89 MFW Target date Sept 2017; :) 06.08.18 24,769.47 New Target Date Sept 2020
    • f0xh0les
    • By f0xh0les 7th Aug 18, 10:54 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Hello Chumpy what a nice thing to say. Thank you.

    I kind of treat this as therapy.

    DH says I need professional help
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 7th Aug 18, 11:14 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    I have a list.

    I have been shopping already and put it all away (somehow ran out of bread and breakfast cereal - I blame kids),

    Posted spy-ware letter

    Laundry on and out

    Going to attack the dumping ground that is .... the baaaack rooooooooooom. Currently there is a lot of DHs camping stuff in there, as he is going camping again in (wait for it...) SEPTEMBER and it is not worth putting away in the cupboard under the stairs (Narnia) or the cupboard of convenience. So will end up putting that away before anything else.

    While the kids are playing football this afternoon, I am going to walk for an hour, and then go blackberrying as I found a patch on the way home yesterday that looked lush. I will freeze the blackberrys on a baking tray and then bag up, so I can just grab a handful when I need to. Really looking forward to freecycled/ fakebook apple season. I will take more this year as it really helped with pudding planning and it was lovely and FREE! Not sure how much of a harvest there will be between our Beast from the East late snows and the hot summer, but the apple tree on the railway embankment is laden.

    Ok, wish me luck, I'm going in....
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 7th Aug 18, 11:15 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Oh yeah, also rang Step-Gran, she is being kept in for at least another 24 hours. Bloodwork still inconclusive.
    She just wants to go home.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 8th Aug 18, 10:11 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    I have a massive lunchbox full of blackberries, now frozen and awaiting my pleasure.

    Got another 2 vouchers = 6 for Christmas fund

    Paid a cheeky o/p 38.50 to the mortgage account

    Kids are loving the 2hrs of football a day - will do this scheme again in the holidays.

    The H4L1F4X bank have done something annoying. They have now linked my kids regular savings accounts, and savings accounts to my internet banking. Which means I have a total of 12 accounts with balances popping up every time I log in, and it is very annoying. I have managed to change the name on 6 of them, but am unsure which child is which on 2 of them so will have to wait until statements come in before I know which is which.

    Anyway, 500 in each of 4 accounts so far -DS1 is 16 in October so will have his 1600 in his own bank account come March, and will be in charge of that.
    You have to let them make their own mistakes!

    The temperarure has plummeted to 22 degrees so I will make sure to dress accordingly, I would not wish to catch a chill.

    Feeling unmotivated and antsy - I blame kids.

    Step-gran still in hospital, they took more bloods this morning, she is still hoping to be discharged before end of play today. ... we will see.

    Laundry on line already, off to hunt my motivation in the bottom of a coffee cup....

    see you anon.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 9th Aug 18, 11:12 AM
    • 1,584 Posts
    • 13,085 Thanks
    f0xh0les
    Step gran still in hospital - they wanted to do one of those dye scans of her chest and abdomen but she is refusing as she had an allergic reaction to the dye last time, so they are just doing a normal scan this time. I think it is sepsis she has. Random infection, no obv cause, no spleen so no immune system, plus 3 rounds of cancer in different bodily locations has totally scuppered what immune system she had. Poor old duck is just on the way out.


    So I am humping furniture about the place today. It is much cooler here, only 20 degrees but there is a breeze, we actually had a little rain last night.

    One of the neighbours caved, and finished my hedge for me while he was doing his. It was less than a 5 minute job, but it means I can try and fix our trimmer before heading out and buying another one, although they are less than 30 from the Arg0s shop. Still, not a problem until Autumn tidy up before the end of the growing season.

    Courgettes growing happily, tomatoes ripening slowly, 21 days of the holidays left.

    YHA have a 25% off summer sale, so might manage a few days at the sea side. Will wait until the price drops further.

    DH is on writing leave until January. No scheduled teaching (per se) but lots of admin, course planning, and supervising roles, so hopefully he will get a few more papers written and published this year. He has just finished doing resits, and is waiting to hear back on one paper he has submitted. He is trying not to think about it, but the longer that it goes without a rejection, the more he starts to a actively 'wait' to hear about it. Then again, it is the holiday period and a lot of academics only do the minimum over summer so they may not be reviewing yet.

    Will do some baking this afternoon. Only easy food today. Something on toast for lunch and hummus, pittas, salad and pickles for the kids for tea, and left over aubergine curry and rice for bigger ones.

    Wish this weight loss would hurry up and occur.
    Been exceptionally motivated and so far there has been no movement on the scale, plus have raised my exercise level. I am lacking in patience, good job I have motivation.

    Onwards!!
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99July 105,300.00
    August 103,999.99

    NEXT GOAL is sub 100k before 2019Mortgage-free wannabe 2018 #65
    • apple muncher
    • By apple muncher 9th Aug 18, 6:28 PM
    • 7,554 Posts
    • 56,945 Thanks
    apple muncher
    Sorry to hear about step-gran. Hope they can keep her comfortable.

    Did you find your motivation in the bottom of the coffee cup? I only do decaf and I don't think it produces many motivational vibes...
    NST August Achiever #16; NSD 6/15; Ex 10/20 ; craft 12 (105); remove 1 (593)
    2018 Pay off: 2382; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,761 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
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  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

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