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My journey to living within my means

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  • One NSD completed yesterday, I am hoping for more of the same today,

    A
  • tiddles
    tiddles Posts: 453 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Well done A - keep it up!
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It makes you feel better just to start the journey.... it certainly does me. Wishing you all the best!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • Well on the way to another NSD today and out for dinner at my daughters, feeling good.

    A
    xx
  • Well thats another NSD under my belt so 2 so far in my very odd mid to mid month thing I have got going on, I didnt want to wait the the begining of the month to start.

    I also transfered £9 to savings for my payment a day challenge so pleased with that and I am within my budget for my grocery challenge, feeling good.

    Andrina
  • I am finding this so cathartic being able to put my thoughts down each day, hoping for another NSD today.

    A
  • well I am in the middle of my shift rotation of four twelve hour shifts at the moment. Did a bit of shopping today and will need a few more bits tommorow then hopefully that will be me until after the weekend.

    I am concerned about my target for the month and hope I can make it I really want to.
  • well i am almost finished my last night and now have 5 days off, which is nice. Hoping to have 3 NSD during those 5 days. I am finding using a notebook to write down everything I spend really useful, it is really focusing my mind on what I do spend.

    I have continued with the payment a day challenge transfering into my savings account each day or emptying my purse into my sealed jar

    My OH and I are working together on this priject and are finding it quite an eye opener, I have no idea where all the money went before but looking forward to having some left over at the end of this month.

    Andrina
    x
  • Oh forgot to mention I joined quidco, I shop online at Tesco so thought I would give it a try,

    A
  • Morning one and all, well that the start of five days off for me, lovely job, trying for a NSD today, fingers crossed.

    A
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