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  • FIRST POST
    • Fortune Smiles
    • By Fortune Smiles 19th Jul 17, 10:11 AM
    • 2,908Posts
    • 24,171Thanks
    Fortune Smiles
    Tales from The Shire
    • #1
    • 19th Jul 17, 10:11 AM
    Tales from The Shire 19th Jul 17 at 10:11 AM
    Tales from the Shire


    All we have to decide is what to do with the time that is given to us.
    J R R Tolkein


    After many happy years in the Garden of England we have started a new adventure in The Shire. Although still reeling from the stress and upheaval of the house move, we can see the potential for a wonderful home and life here. It's going to be amazing!

    There is much to do and, as with any great journey, company is much appreciated. So I hope my forum friends will join me on the road.

    A new chapter (and diary) has begun.


    Fortune x

    For those who are interested in how we got to be here, my previous diaries can be found at:

    Two Pennies Left - http://forums.moneysavingexpert.com/showthread.php?t=4068401
    The New Adventures of Fortune - http://forums.moneysavingexpert.com/showthread.php?t=5605109
    Last edited by Fortune Smiles; 04-05-2018 at 8:46 PM.
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
Page 38
    • beanielou
    • By beanielou 2nd Jul 18, 10:25 PM
    • 57,965 Posts
    • 238,408 Thanks
    beanielou
    Enjoy the time with Mr FS
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Fortune Smiles
    • By Fortune Smiles 4th Jul 18, 9:10 PM
    • 2,908 Posts
    • 24,171 Thanks
    Fortune Smiles
    Enjoy the time with Mr FS
    Originally posted by beanielou
    Thanks Beanie

    Fortune x
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • Fortune Smiles
    • By Fortune Smiles 4th Jul 18, 9:43 PM
    • 2,908 Posts
    • 24,171 Thanks
    Fortune Smiles
    Beyond hope
    More ups and downs

    I managed to find reasonably priced house insurance through the C0-0p. Their policy allows you to have up to 2 lodgers/paying guests as standard It did mean I had to telephone them rather then go through the website. Meant I lost out on the on-line discount but I am a C0-0p member so got a larger discount on that basis They also have a special incentive on at the moment and I'll get £50 in C0-0p vouchers in a month's time

    Took FDawg to see the kennels and he coped far better with a first visit than I expected

    Got home to find that Mr F had hurt his back mid fruit cage assembly He managed to get in the bath only to find that there is still a leak It looks as though the waste seal has failed so that's another job to add to the list.

    We did manage to have our day out today though Mr F took a walking stick and we still have some of his prescription left from when he last hurt his back so that took the edge of enough for him to manage. We had a shorter but very enjoyable day but Mr F spotted some garden furniture he "really, really liked" at a "very, very good price". I found myself talked into it I'm cross with myself as there are other more pressing things we need to sort out but it's done now. It'll mean less of an overpayment on the mortgage this month but he's the one who'll have to work for longer as a result so his call. We are beyond hope And I have to admit it was a very, very good price. Other than that we only spent a little on lunch and refreshments and it was a lovely, lovely outing. For those of you with an eye for detail, yes - we have a lot of garden furniture now

    FDawg coped reasonably well with his kennel stay. They put him into the run when he first arrived and he was a little reluctant to come to them when it was time to go in. He did come in the end and was relaxed enough to eat his beef hide chew in the kennel. That's a very good sign because, if he is feeling anxious or scared, he won't eat it. He had a walk and a bath. I'd asked them to bath him if they felt he'd be ok with it. He's used to baths at home and quite enjoys them. I thought it would mean a little more time out and interaction for him plus he needed one He smells fabulous now

    Whilst we were letting FDawg run around the field this evening, we discovered that our gate post is completely rotted away at the base - which explains why our gate has been dragging on the ground for the last week And, there is a wasp nest under the eaves of the attic Plus, we have the quote from the electrician and it is not quite as inexpensive as we'd imagined

    Never mind, at least I'll be able to sit in the garden on fabulous furniture whilst pondering where the money for all this is coming from

    Despite all of this, I have made an OP of £506.11 for the month

    Fortune x
    Last edited by Fortune Smiles; 04-07-2018 at 9:48 PM.
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • in need of direction
    • By in need of direction 5th Jul 18, 8:06 AM
    • 5,331 Posts
    • 31,577 Thanks
    in need of direction
    Why not use that new furniture to take time to smell the roses? You are tearing ahead on so many fronts,sometimes you need a treat. I wish I could get DH interested enough to source something for our home never mind at a good price.
    Mortgage at 01.01.14 £119,481.83 today £72,374.15, target £65,000 by 31/12/18 Offset fund today £377.27 target £5,500 by 31/12/18
    Emergency fund £1,100/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Cheery Daff
    • By Cheery Daff 5th Jul 18, 9:53 AM
    • 8,316 Posts
    • 41,605 Thanks
    Cheery Daff
    Excellent work there Fortune, despite your many trials! Impressed you can still make a £500 overpayment well done And garden furniture is important! We only had two chairs in our old place as there was barely any space - now we have far too much space and not enough furniture Got a few chairs (and a tiny inadequate table just for cups of tea) near the house, but I'd love a big picnic table to eat properly out on

    However I am far too stingy to pay for it so we'll have to wait til one turns up on Freegle Or make one ourselves I suppose!

    Glad FDawg managed ok on his kennel stay, and hope Mr FS is alright!
    Mortgage over payments since Feb 2018 = £558.25
    • Fortune Smiles
    • By Fortune Smiles 6th Jul 18, 8:51 AM
    • 2,908 Posts
    • 24,171 Thanks
    Fortune Smiles
    Why not use that new furniture to take time to smell the roses? You are tearing ahead on so many fronts,sometimes you need a treat. I wish I could get DH interested enough to source something for our home never mind at a good price.
    Originally posted by in need of direction
    You're quite right INOD. We'll have been here a year next week and have accomplished so much including two major projects. We are weaving in more R&R and a lot of what we're doing is one off so things should quieten down soon eventually.

    Excellent work there Fortune, despite your many trials! Impressed you can still make a £500 overpayment well done And garden furniture is important! We only had two chairs in our old place as there was barely any space - now we have far too much space and not enough furniture Got a few chairs (and a tiny inadequate table just for cups of tea) near the house, but I'd love a big picnic table to eat properly out on

    However I am far too stingy to pay for it so we'll have to wait til one turns up on Freegle Or make one ourselves I suppose!

    Glad FDawg managed ok on his kennel stay, and hope Mr FS is alright!
    Originally posted by Cheery Daff
    Mr F has been going on about getting some "nice" garden furniture for years so at least he'll be happy now. The trouble is, like you, we now have space for quite a lot of it so I hope this doesn't become his new obsession FB's Marketplace is a great place to look for stuff Cheery - lots of bargains to be had.

    Fortune x
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • Fortune Smiles
    • By Fortune Smiles 6th Jul 18, 9:08 AM
    • 2,908 Posts
    • 24,171 Thanks
    Fortune Smiles
    In or Out?
    Mr F and I spent all day putting the fruit cage up yesterday. His back was still a bit sore so he directed and I did most of the grunt work. And it definitely was grunt work - with all my huffing and puffing and groaning it must have sounded just like centre court at Wimbledon in our veg patch. It didn't help that we chose to drive steel pools into the ground after it had been baked for days and days by the hot sun. Nor that the fruit trees and bushes are in full foliage and, almost, full fruit. I was scratched and stung and dirty from head to foot by the time we'd finished. However, it is done now and looks great. We may even get some fruit for ourselves this year Although I'm not sure whether the cage is designed to keep the birds in or out. When we took FDawg for his walk this morning, there were three little birds flitting around inside. We think they were Chiffchaffs. We let them out and are hoping that they sneaked in when we left the door open yesterday evening and we trapped them inside when we closed up. We'll have to see whether they are in there again tomorrow. Mr and Mrs Blackbird were the main fruit thieves and they definitely can't get in. They have been flying up and down the veg patch complaining that we've deprived them of the raspberries

    Meals have been a little neglected of late - we've just been going for what's quickest and most convenient. Although I did manage to rustle up a Warm New Potato Salad with Bacon & Blue Cheese last night.

    Today I plan to get a few small chores out of the way and then spend the day painting. I need to concentrate on getting the WI painting finished otherwise I'm going to run out of time to get it framed.

    Tonight we are going back to the music festival for an evening concert. Should be a great night.

    It's Friday peeps Enjoy your weekend.

    Fortune x
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • rtandon27
    • By rtandon27 6th Jul 18, 10:06 AM
    • 2,306 Posts
    • 14,777 Thanks
    rtandon27
    Happy Friday!!!

    Well done on completing the hard graft job - hope you had a long soak with some bath salts to ease the aches afterwards.

    Fortune that recipe is what dreams are made of! Mushrooms, bacon, blue cheese all in one dish - OH will be trailing this chez nous very soon!
    2 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
    • beanielou
    • By beanielou 6th Jul 18, 6:15 PM
    • 57,965 Posts
    • 238,408 Thanks
    beanielou
    500 is still an awesome awesome repayment.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Fortune Smiles
    • By Fortune Smiles 8th Jul 18, 8:20 AM
    • 2,908 Posts
    • 24,171 Thanks
    Fortune Smiles
    Bird Whisperer
    We may be bird whisperers Five chiffchaffs in the fruit cage this morning Mr F has made reinforcements so we shall see if there are any there this morning.

    We have saved enough of the raspberries to have some with ice cream, some with granola for breakfast and some with cream It seems chiffchaffs prefer redcurrants so I'm not sure we'll be able to save any of those.

    I had a day off from chores yesterday to concentrate on the WI painting. It's two thirds finished now I am hoping to finish it on Monday so I can take it to the meeting in the evening.

    Another day off is planned today. We are taking lodger and boyfriend out for Sunday lunch as a thank you for the work he did for us. Costs will be met from the ground works budget.

    Electrician has contacted us again saying he forgot that we could pay cash for the work and he'll give us a 20% discount if that's the case. So, it's likely we'll have enough in the budget for both the ground and electrical works. Our front gate is due to fall over any minute though so I might have to re-prioritise some of the jobs.

    It seems that this week is a week for good news. I've been contacted by a publisher who wants to buy one of my short stories Sooooo excited.

    Enjoy your sunny Sunday peeps.

    Fortune x
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • Fortune Smiles
    • By Fortune Smiles 8th Jul 18, 8:26 AM
    • 2,908 Posts
    • 24,171 Thanks
    Fortune Smiles
    Happy Friday!!!

    Well done on completing the hard graft job - hope you had a long soak with some bath salts to ease the aches afterwards.

    Fortune that recipe is what dreams are made of! Mushrooms, bacon, blue cheese all in one dish - OH will be trailing this chez nous very soon!
    Originally posted by rtandon27
    A long soak would have been lovely RT, if only our bath wasn't leaking A nice hot shower had to suffice.

    I've been trying out a lot of salad recipes this week. The Salmon & Brown Rice one got a thumbs down from Mr F because he's not a fan of cucumber and it needed about three times the dressing in the recipe. Halloumi with Lentil Salad was a hit.

    500 is still an awesome awesome repayment.
    Originally posted by beanielou
    You're right Beanie and we have had to pay out for house insurance this month too along with quite a few social events We will have to up our game though if Mr F is to retire any time this century

    Fortune x
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • bexster1975
    • By bexster1975 8th Jul 18, 8:28 AM
    • 1,308 Posts
    • 6,189 Thanks
    bexster1975
    Fantastic news about the publisher. You should also show them this thread.

    Have a lovely lunch.

    Bexster
    • Karmacat
    • By Karmacat 8th Jul 18, 9:25 AM
    • 30,028 Posts
    • 174,021 Thanks
    Karmacat
    Fortune, congratulations on the sale! And on the successes with FDawg and the overpayment, brilliant news all round
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • in need of direction
    • By in need of direction 8th Jul 18, 9:29 AM
    • 5,331 Posts
    • 31,577 Thanks
    in need of direction
    Brilliant news re the publisher. Very well done
    Mortgage at 01.01.14 £119,481.83 today £72,374.15, target £65,000 by 31/12/18 Offset fund today £377.27 target £5,500 by 31/12/18
    Emergency fund £1,100/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 8th Jul 18, 9:02 PM
    • 57,965 Posts
    • 238,408 Thanks
    beanielou
    Great news re story
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Moneyfordreams
    • By Moneyfordreams 8th Jul 18, 9:15 PM
    • 1,140 Posts
    • 5,666 Thanks
    Moneyfordreams
    wow to the publisher news
    Mortgage restart June 2018 £119950
    zero personal cc
    6x166 for sofas ending November 2018
    £2500 on DD1s car cc
    • Fortune Smiles
    • By Fortune Smiles 8th Jul 18, 9:48 PM
    • 2,908 Posts
    • 24,171 Thanks
    Fortune Smiles
    What's the plural of Chiffchaff?
    Chiffchaff or Chiffchaffs? Whichever - there were two of the little critters in the fruit cage this morning More tightening of security has occurred. It maybe that they are wee enough to get through the holes in the net

    Today has been a proper day off. Took lodger and boyfriend out to lunch. We tried a new venue and it was a great success. Lodger insisted on paying for drinks so the bill was less than we expected Lodger's boyfriend also has a contact for replacement gates

    Invited the neighbours round for drinks when we got home and had a little impromptu party. Lovely day.

    Thank you all for you kind messages about the story sale. It should be published in a few weeks time so I'll let you know where to find it.

    Hope everyone's had a fab weekend.

    Fortune x
    Mortgage: 8% paid Overpayments: 3368.59 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • beanielou
    • By beanielou 8th Jul 18, 9:50 PM
    • 57,965 Posts
    • 238,408 Thanks
    beanielou
    Glad that you have had a lovely day
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • themadvix
    • By themadvix 9th Jul 18, 9:24 AM
    • 1,980 Posts
    • 11,425 Thanks
    themadvix
    Congratulations on the publication!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • greent
    • By greent 9th Jul 18, 5:31 PM
    • 7,507 Posts
    • 76,185 Thanks
    greent
    Exciting re the story publication!

    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
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