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Wonky_Teacup
Wonky_Teacup Posts: 10 Forumite
Third Anniversary First Post Photogenic Chutzpah Haggler
edited 4 February 2020 at 5:55PM in Debt free diaries
-deleted by poster-

Comments

  • beanielou
    beanielou Posts: 95,625 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy shiny new diary.
    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.
  • Scott-Weiland
    Scott-Weiland Posts: 481 Forumite
    You dont have too remove takeaway apps just do it wisely a takeaway every now and then wont kill you. Ie 1-2 per month.

    Plus if you do it wisely Just Eat is on TopCashback.CO.UK so when you order a takeaway you get money back.

    Re groceries I find the best way too save each week is avoiding the big supermarkets for certain items we buy everything like fruit and veg and household items from discounters ie b/m and herons and homebargains and its good quality and it saves us a fortune.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fantastic news about the job! It will make a huge difference long term to becoming debt free
    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
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