📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Baby steps to mortgage freedom for beanielou.

1229222932295229722982418

Comments

  • beanielou
    beanielou Posts: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to hear of the money troubles beanie. I live on my own and budget £160 per calendar month for food - £40 per week but my weeks consist off 8 days rather than 7 owing to the extra week that pops up occasionally during the year. That sum is only used for food - I budget £25 per month for non-grocery items like laundry, cleaning products, batteries, etc and some months are under and other months over this amount so roll it forward. 
    I used to have a monthly Ocado delivery and top up with fresh food as needed but in order to walk more I now take my trolley and walk to Aldi as it's so cheap, and other times walk to Waitrose to buy the things I can't get in Aldi. I also like my local greengrocer's produce but I wouldn't say he's particularly cheap. Other times I top up either in my little local Tesco or Co-op if needed. 
    By the way, I have the mop that @Sun_Addict uses and agree it's very good!👍

    Thanks. ☺️ 
    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.
  • lucielle
    lucielle Posts: 11,526 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get sorted. 

    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • skint_spice
    skint_spice Posts: 13,451 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thinking of you but sadly nothing useful to add x
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • milann
    milann Posts: 11,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I’m so pleased you had a lovely Christmas 🎄
    Good luck with tackling the budget Beanie. I think it’s disgusting you have to pay so much for the help you received….
    Do Asd@ deliver  near you? I’ve been shopping there quite a lot recently even though I have M@rris@ns around the corner. I ended up with £40 Christmas bonus just for doing my normal shopping. Might be worth looking at it if they do. 
    When are they doing your kitchen ?
    January spends - £587.58
  • beanielou
    beanielou Posts: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    milann said:
    I’m so pleased you had a lovely Christmas 🎄
    Good luck with tackling the budget Beanie. I think it’s disgusting you have to pay so much for the help you received….
    Do Asd@ deliver  near you? I’ve been shopping there quite a lot recently even though I have M@rris@ns around the corner. I ended up with £40 Christmas bonus just for doing my normal shopping. Might be worth looking at it if they do. 
    When are they doing your kitchen ?
    Thanks. Pretty scunnered. Had a bad experience with Asda before I started using Waitrose. 

    February for kitchen. 
    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.
  • beanielou
    beanielou Posts: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thinking of you but sadly nothing useful to add x
    Thanks.  x
    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.
  • beanielou
    beanielou Posts: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I got my monthly single grocery budget down to £140-£150 per month but COL means it’s now more like £170 pm plus maybe £10pm bulk and cleaning /toiletries are in a separate pot 

    I am also gluten free so that means it’s all more expensive as most YS reduced items have wheat in 
    I also live in London so I think £45-£50 pw is doable as a single person 
    I eat meat and i cook a lot - especially beans and pulses - the pressure cooker is so helpful and also makes a quick stock 

    Can I suggest you join the Grocery Challenge as it really helps me and lots of us on there all learning from each other . 
    Thanks. Will look for the grocery challenge. 
    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.
  • Just sending hugs and sympathy. 
  • beanielou
    beanielou Posts: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Just sending hugs and sympathy. 
    Thank you. Appreciate it. 
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.6K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.