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XSpender Speeds it Up - £0 to £60k in 27 months

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  • newgirly
    newgirly Posts: 9,343 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I've finally caught up with your diary again :o fantastic news selling the house and finding somewhere new, I hope your dm and dsd's visit goes well this weekend, it sounds like it would be a good move for them with you nearby.:)
    MFW 67 - Finally mortgage free! 💙😁
  • Suffolk_lass
    Suffolk_lass Posts: 10,295 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    XSpender wrote: »

    I have spent £7 and £10 n3ctar points on food tonight, including
    £3 on 2 big bags of quorn mince which is now GF :j Not been able to eat quorn was what stopped me being veggie when I became coeliac and I cannot stand the taste of beef mince. Expect lots and lots of spag bol and shepherds pie on the meal plan. Honestly, its daft but I am :j.

    I am the opposite to you - react to all moulds, fungus and micro-proteins. I also have to be quite careful of cheese (minimising blue cheeses that cause really sore mouth at best and blisters when the intolerance is worse) - it's what stops me being vegetarian really. I also react a bit to soya so even Tofu is a bit of an issue. I used to like raw mushrooms too!

    SL
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Lovely day with DM and DSD, showed them our new house and they love the location. Fingers crossed they decide to move up here. Ate a big lunch and do not need to eat again until tomorrow :rotfl:

    DH and I need to lose some weight before our hols. Not that we will be getting our bodies out in Somerset in March but the Christmas excess is still hanging around and we have a half marathon to train for starting tomorrow for me:eek: DH has a chest infection starting and will not be doing any exercise until that is cleared up but can still watch what he is eating. I will start using MFP from tomorrow and try and eat more protein and less carbs, that and exercise is what works for me.

    I need a bit more focus on getting some stuff done at home so my list for next week is:
    • Up to date with washing
    • Up to date with ironing
    • All laundry put away
    • Pick up DH top from the dry cleaners
    • Meal plan and complete Sains order for next Monday
    • Run x 3
    • Swim x 1
    • Cancel DH Exp3r1an
    • Spend less than £10 on weekend food top up
    • Mop floors and vac upstairs
    • Change sheets
    • Confirm if seeing DB and DSIL at weekend
    • Take up DS new school trousers
    • Email mortgage broker to advise no news on house purchase
    • Finalise March budget on YNAB
    • Update MFP every day

    DH will help with the laundry and do the ironing but we are both away some nights this week so have a fair bit to get through. Thank god for DMIL helping us out with childcare :A
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I have achieved absolutely nothing off my list so it's going to be a busy weekend :o

    DH is at work this morning and we are at the theatre tonight.

    If we can concentrate on getting the laundry done, the sheets changed and the on line shopping sorted I can catch up with the rest next week as I am only away one night.

    Must run tomorrow too.
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Good news is we have almost reached the summit of the laundry mountain.:)

    Bad news is we have lost our buyer :(
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • XSpender wrote: »
    Bad news is we have lost our buyer :(

    Oh no! Sorry to read that :(
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    We have had another offer on the house from the buyer who didn't get it last time. It is too low and the EA has gone back to them. We are not in a desperate situation as our vendor isn't ready to move so either they up the offer or we market it again. That means mucking the house out :eek: :(

    Savings are looking healthy, the only plus side of the sale been delayed is we can save up more. Deposit is all in place we are now saving for the remainder of the costs.

    Added up my change pot and with some TCB that has paid out I have added another £60 to the savings.

    I have put our SO back to the normal payment as we will be saving not OPing until we move.
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • jodles16
    jodles16 Posts: 1,477 Forumite
    Car Insurance Carver!
    Hey Xspender, have read your diary and am very impressed at how focused you are! Sorry to hear about your buyer, hopefully you will get another one before it impacts and the vendor from the house you want will find something too!

    Jodles :D
    MFW2020 #115 250/3000 J-250
    1% challenge- /1525
    Save 1k in 2020- /3000

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks for reading jodles16.

    We have had an offer from a buyer who made an offer last month but we went with someone else and have 4 viewings lined up for this week.

    I have had a busy evening cleaning up and still need tom vac and mop the kitchen tomorrow. DH will do the bathroom tomorrow night as I am away overnight.

    Getting the house ready tonight means I have not had chance to do my first run of my 12 week half marathon training plan so will do it in the morning and then Wednesday's in the evening. They are only short so can manage both easily.
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • Pearla*Merle
    Pearla*Merle Posts: 1,611 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Fingers crossed you find another buyer soon xx
    a penny picker upper. MFW approx 78% to go | FIRE 3 years worth (30% savings rate: now aiming for 40%!) | Normality is a paved road; it's comfortable to walk, but no flowers grow on it | Whatever you're meant to do, do it now. The conditions are always impossible | The only thing you absolutely have to know, is the location of the library
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