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Aspirations of Frugality and Fun on the Road to Mortgage Freedom

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  • Watty1
    Watty1 Posts: 7,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Popped in to say hi. All the decluttering, energy, Matched Betting talk ...phew ...off to have a sit down :)

    In awe of your energy!
    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 !!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    jwil wrote: »
    :eek: I am going to have to take it slowly if I dip in.
    Watty1 wrote: »
    All the decluttering, energy, Matched Betting talk ...phew ...off to have a sit down :)

    Exactly the right reactions, sorry :rotfl::o

    Its simple once you get started, honest. I was just decluttering my old notebook - I wrote down every matched bet, and wrote when I got whats called "reloads" - two or three new offers from a single bookie. Very convenient :)
    2023: the year I get to buy a car
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Karmacat wrote: »
    Exactly the right reactions, sorry :rotfl::o

    Its simple once you get started, honest. I was just decluttering my old notebook - I wrote down every matched bet, and wrote when I got whats called "reloads" - two or three new offers from a single bookie. Very convenient :)

    I had a look at the matched betting forum a while ago. I read and read and tried to digest the info...in the end I decided there must be more straightforward ways to make money...I'm still looking for them. :rotfl:
    But match betting blew my mind a bit to be honest-I don't think it's for me. :(
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • Cheery_Daff
    Cheery_Daff Posts: 17,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am SO impressed with all your decluttering :j :j :j I stayed at my mum's house this week - she wasn't there, and she has one whole room full of 'stuff' that the door is closed on... but the rest of the house is just so *clean* and *empty*.

    I don't think I'd want mine quite like that, but it would be kind of nice to be able to get through doorways and past cupboards without things springing out to trip me up :o :rotfl:

    I'm working up to a decluttering challenge, I really am! :j
  • PB - i have been actively decluttering for years now so i probably do have less stuff to go through as its been culled about 10 times already - it is hard to do - i meant to ask if you had a strategy :D


    Well I'm glad it's not your first pass through your house! *Wipes brow* The nearest thing I have to a system is 'grab it all and go'! I think the most cluttered area is my bedroom (it contains many things that shouldn't be there but are as there is nowhere else for them to go) and I am (mostly) focusing on that. With added trips to the spare room and the kitchen. And a bit of the living room.

    Who am I kidding? There is no system! :rotfl:

    *le sigh* for books - i have done my book shelf again today and parted with 2 books i thought i'd always want to keep. It is hard though. I did exactly that with some personal development books today 'what if i want to complete that in the summer' but they made it to the carboot pile instead :cool: You are doing really well though PB x

    Oh. Em. Gee. You should see how many I have! Two isn't even a drop in the ocean here! :eek: :rotfl:
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • jwil
    jwil Posts: 22,411 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Oh. Em. Gee. You should see how many I have! Two isn't even a drop in the ocean here! :eek: :rotfl:

    Nor here :D I think I'm going to move in with DDFW and her nice tidy house :D
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil wrote: »
    Nor here :D I think I'm going to move in with DDFW and her nice tidy house :D

    *Sharpens elbows* You can try, but I think I live nearer and can get there faster! :p
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • Watty1
    Watty1 Posts: 7,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Nope inspired by Dedicated and Habibiboo I'm still at my decluttering and having stuck with it I too will have a tidy house.... I was thinking this morning the bathroom looked quite odd then I realised it was tidy and Watty my dear that is a clear shelf and now I can bath without danger of bottles or candles or other such stuff joining me :rotfl:
    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 !!
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Watty1 wrote: »
    Nope inspired by Dedicated and Habibiboo I'm still at my decluttering and having stuck with it I too will have a tidy house.... I was thinking this morning the bathroom looked quite odd then I realised it was tidy and Watty my dear that is a clear shelf and now I can bath without danger of bottles or candles or other such stuff joining me :rotfl:

    Well done. :T I need to be more focused. I start de cluttering and then (because there is so much) I lose the will somewhat. It is a lot better than it was but I still have a mountain to climb! :o
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hello All :wave:

    I love popping into my diary and seeing all the chatter :D I have been MIA for a few days simply due to tiredness. I am not overdoing things but i seem to have times where i have lots of energy - so i need to make the most of that - and other times where i am extremely tired and even walking is a huge effort :o Don't worry though if it lasts a while i do get my thyroid checked but i think this week has been more down to not having a single full nights sleep :(

    This morning i have spent ages trying to get the comp going :mad: The good news is though whilst waiting of it shutting down and starting up etc. i decluttered another area of the living room and started on another bit as well - 1 full bag of papers for shredding :T

    Whilst being MIA i was still very frugal. I had a hard day tuesday and bought some cake - it was mucho needed and very enjoyable :D This weeks food shop came in at just under £5 over budget - it makes me wonder if i am setting my budget too low as it has been like this for 2 weeks in a row and there were no frivolous spends. I don't want to increase the budget though as it still may be +£5 over if that makes sense eg increase budget to £55 and spend £60 (£5 over) rather than budget at £50 and spend £55.

    I sold a few items this week and they ALL paid and were posted yesterday :T I have had to do refunds though for non-received items :(

    I have finished buying the birthday presents for this month as well. Though will need to buy for next month as well - all birthdays this year seem to be the significant ones for close family 40th, 60th, 18th, 21st etc so a bit more of a spend than usual.

    I cancelled an account yesterday too - a nice bit of life admin - this will stop correspondence from them and the card is destroyed. It also helps streamline my life admin too - all spends on 1 bill now and not 2 halving the amount of stuff i need to deal with - very happy with that :T
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
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