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Hypno's approach to life, the universe and debtbusting.....

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  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Sorry SH - I went to get bread and salad but was tempted by cupcakes and nuts! As they were non essential I've deducted from the 20 in my head. Was too embarrassed to pay for them seperately to other shopping.


    Hypno rampaging I'd like to see :T
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ShelleyC wrote: »
    Sorry SH - I went to get bread and salad but was tempted by cupcakes and nuts! As they were non essential I've deducted from the 20 in my head. Was too embarrassed to pay for them seperately to other shopping.
    You mean you want £1.79 off me as well for my hazelnuts - but they contain calcium, vitamins and things....:eek:
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    lattes contain wholesome milk and fairtrade organic coffee beans, but they are still on the "non-essentials" list :rolleyes::rotfl:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    savingholmes wrote: »
    You mean you want £1.79 off me as well for my hazelnuts - but they contain calcium, vitamins and things....:eek:

    I saw nuts as an extra :p
    hypno06 wrote: »
    lattes contain wholesome milk and fairtrade organic coffee beans, but they are still on the "non-essentials" list :rolleyes::rotfl:

    And dairy milk contains a glass and half of real dairy milk :T
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    ShelleyC wrote: »
    IAnd dairy milk contains a glass and half of real dairy milk :T
    It's not surprising we're all skint, really, is it :rotfl:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yeah but then there were the hulahoops 7 packs on BOGOF at £1.10 for the whole family and then ....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ive just had a chocolate doughnut~bad beanie~dident even enjoy it much TBH.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    When you put it like that nope :p


    What about if its on offer?! :rotfl::j:rotfl:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    beanielou wrote: »
    bad beanie

    That sounds like a lovely nickname - I want to encourage you to be naughty more often :rotfl:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • skint_spice
    skint_spice Posts: 13,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes wrote: »
    Yeah but then there were the hulahoops 7 packs on BOGOF at £1.10 for the whole family and then ....

    I HATE hulahoops so they'd be non-essential for me - only buy them so we have crisps in for DS that I won't be tempted by!

    now hazelnuts on the other hand especially the yogurt covered ones.... I'm on holiday so not joining in the challenge but I am thinking twice before spending!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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