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This Time I'm Really Going To Do It

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Comments

  • Congrads both Watty and Tilly!!!! :j :beer: :j

    Must be a wonderful feeling...... no more payments!!
    (well when you cancel your direct debt lol Watty!! ;) )
    Debt free 24/03/2015./ On Dave Ramsey's Baby Step 3./Full Emergency Fund 2500/6000./ Got mortgage on the 28/08/15./ 2015 MFW #117 1242.89/2000
  • ahem_47
    ahem_47 Posts: 97 Forumite
    Watty

    You've made me log in!!!

    £132k in less than 2yrs is :T:T:T

    .......and in "only" 1400 posts too

    GG is currently having a siesta (at 8pm!) - I'll make sure she knows of your exciting news too.

    Happy saving ....
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    ahem_47 wrote: »

    GG is currently having a siesta (at 8pm!) - I'll make sure she knows of your exciting news too.

    :o.

    To be fair, I'd been awake since my post-Pilates nap at noon :rotfl:

    Well done :j, exciting stuff :)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Watty1 wrote: »
    So in a bid to lower our food bills Mr Watty and I went to Lidl today. It was on the way to the tip and we had a car load of stuff to go.
    Its further for us to go - and - yes some of the veggies were cheaper but the selection was tiny and heavens it is summer and there was hardly any choice of veggies at all :(
    A lot of stuff I buy a lot of they didn't stock (oat milk etc) and the teabags taste like cardboard. But I carefully made notes and came home and checked my bill against my nearest upmarket supermarket and - was astonished to see that the upmarket supermarket was actually cheaper on some stuff.
    I fully accept that if I am prepared to buy factory farmed meat then the meat would be cheaper than my current mix of organic / local farmers but I'd rather just be veggie than do that. (And I'm not a veggie as I worked out it affects my mood too much to totally cut out meat and fish).
    I was really surprised and somewhat disappointed.

    This is also true of Ald! with some products and I have a little check list of those that are usually cheaper in Sbugs - but I check mysuperm@rket in case they've gone up :D. Teabags and tubs of marmite (a DS staple) I get at C0stco in bulk, piggybacking on a friend's membership, I appreciate not an option for everyone.
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yep, I don't believe the hype about discounters either, even on price, let alone choice. Cornflakes are my thing - if you buy Basics/Smartprice whatever at a supermarket, they're 25 - 30p per 500g - you simply can't find that at a discounter. It's true that taste has gone downhill recently :o but as I just mix them into my porridge for texture, thats not too bad :D
    2023: the year I get to buy a car
  • Watty1
    Watty1 Posts: 6,939 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Ali-OK wrote: »
    This is also true of Ald! with some products and I have a little check list of those that are usually cheaper in Sbugs - but I check mysuperm@rket in case they've gone up :D. Teabags and tubs of marmite (a DS staple) I get at C0stco in bulk, piggybacking on a friend's membership, I appreciate not an option for everyone.

    I looked into Costco but they are miles away.


    Am wondering if farmers markets might be cheaper for fruit and veg?
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Watty1
    Watty1 Posts: 6,939 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ahem_47 wrote: »
    Watty

    You've made me log in!!!

    £132k in less than 2yrs is :T:T:T

    .......and in "only" 1400 posts too

    GG is currently having a siesta (at 8pm!) - I'll make sure she knows of your exciting news too.

    Happy saving ....
    Thanks :)
    Although for anyone just dropping in I should explain that I didn't save all the money in 2 years - I reorganised our finances, used an endowment up, sold some shares, sold masses of stuff via ebay (some of which I regret selling now) and wiped out our emergency fund and borrowed from my company.
    But the sheer relief of no more mortgage - something I was scheduled to pay until I was 68 years old - is huge - especially as my payments were high before I began this journey.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Dobbibill
    Dobbibill Posts: 4,194 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi Watty,

    I've not read your diary but had to follow you over from another diary when I saw your signature.

    Massive congrats - that is a massive turnaround in 2yrs - how you did it is your fortune and hardwork - you still crossed the finish line and in record time too. Well done :T

    DB
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    If you can't be the best -
    Just be better than you were yesterday.
  • Watty1
    Watty1 Posts: 6,939 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Dobbibill :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • helibob
    helibob Posts: 54 Forumite
    Watty1 wrote: »
    Am wondering if farmers markets might be cheaper for fruit and veg?

    My experience of farmers' markets is that they're not all that cheap, but fruit and veg stands on normal markets are. If you have one close-by I'd recommend checking that out.
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