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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Dry January sounds a good plan. Perhaps keep a diary too of how you feel after drinking / not drinking and what the quality of your sleep was like. Some friends of mine really noticed an improvement.
    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
  • Think I might do dry January too. I’m relying on the thought of a few gins on a Friday night getting me through the week which isn’t healthy. I feel like a good clean break will change my perspective xx
    Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • Thanks SH and Crunchy
    I've been reading 'The n@ked mind' and it's been a bit of an eye opener on alcohol... I know my own (lack of) will power, so not tempted to go sober at this time of year, but January will be perfect and I'll go from there and see where it leads me.
    I'm finding on my 3-4 days off that I find it perfectly easy, but as soon as I pour one on a drinking day I always have more than I planned.  I do have an off switch and never get completely drunk/blackout/hungover, but I've begun to question how good it is for me.
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 5 December 2022 at 1:14PM
    A slightly different take on doing dry January - be slightly cautious if you feel, being realistic, that it's unlikely that you'll get through it without having a lapse, as the mental aspect of "failing" could be a bit problematic, perhaps. Of course there is also the viewpoint that if you find you CAN'T get through it without a lapse, that in itself is worth giving further consideration to? Could be a good time to try to move towards a scenario where drinking was something that only happened on a Friday/Saturday night though, perhaps (or whatever suits you as "weekend" depending on your own work commitments). 

    It's a really interesting area - although I don't drink regularly - I've never been someone who has a glass of wine most evenings, for example - I have switched mindset rather over the last year or so to the concept of drinking more mindfully. I know it affects my sleep, so for me, even at a weekend I will now stop and consider whether it's "worth" the trade-off of a poor night's sleep for even a single drink. Quite often - and particularly where I have a few busier days coming up, I might decide that actually, I'd rather have a soft drink or a cuppa instead. More and more when I do drink I'd prefer that it was for a specific reason - for example this weekend we were at a beer festival with friends on Friday, I didn't drink anything the other days at all. The week before we were out round some pubs with pals on the saturday - again, that was the only night I drank. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • -NSD -2 this week again
    -any unexpected spends that may need to be worked into future budgets - £0
    -average step count for the week -8500 this week, worse than last week... poo weather and family commitments did not help
    -number of strength training sessions -none again this week
    -alcohol free days, 2 this week, aiming to do 4 each week, so bit of a fail
    -podcasts listened to - 2x n@ked mind, 2 x s0ber @wkward, 2 x DR, 2 x s0ber life.  I'm liking the drinking podcasts, much as I'm not planning on giving up alcohol completely, they're very motivating for cutting back.
    -books, still reading DR's TMM
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Have done all the Christmas shopping within our budget.
    Our washing machine decided to break this week :'(  and as a family of 7, didn't hesitate to buy a new one, on the CC.  Highlighting again why we should have an EF! 
    Cats had their jabs this week, but we have of those cat plans, so included under that
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Totally get the washing machine purchase...it’s the one appliance I dread going wrong! Well done on getting all the Christmas shopping done.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Been there with the WM
    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
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Agree of all the appliances the em going wrong is the worst!
    L
    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
  • Oh dear yes a washing machine is definitely a necessity. I didn’t realise you didn’t have an EF. When you became debt free did you not start diverting some spare cash to savings? 

    Well done on getting Christmas shopping done in budget. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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.

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