We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Moving forward and upwards
Options
Comments
-
Chips.... Drools... Want some soon. With all the 🎆 treacle toffee would be nice tooAchieve 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 29/7/252 -
I've a great chippy SH, food is consistently good. I had savaloy with my chips, first time up here, and my goodness was it smoked compared to what I'd previously had!
Today we're getting TomBo's new glasses, taking garden greens to SIL for furballs and popping to A1DI for the shopping.
As it's supposed to rain all day, I'll sort some of my clothes out and read. No gardening, but I can split the garlic bulbs ready for tomorrow.
Picked some more dried runners and grabbed some lovely beets.
I've also made a decision not to go swimming this weekend (1) If I want self-sufficiency to work for me next year, I have to prioritise it, (2) there's only onions and garlic to go in, but they're a big part of our daily food, (3) that bit of money saved can go towards my budget, to comfortably get me through to December wages, without dipping into normal savings; I've moved it to the pot.
I plan on prioritising self-sufficiency next year (best as I can with my garden), me time / health and work will fund my dreams 🤗Mortgage started 2020, aiming to clear 31/12/2029.4 -
Great priorities to have MF. Hope you manage to get the onions and garlic in this weekend0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
I have caught up after a mad week at work. Glad you are nearly moving - i do feel sorry that you had to do so much explaining. I dont think that person will stay either. I cannot believe you have gardened and done all the beauty stuff with all the extra hours at work. Hurrah for all your swimming and Tombo's job. I'd kill for some chips but it involves walking in the chilly weather so i havent yet!!!
Have a great weekend.Aiming for a minimal spend 20223 -
What is savaloy?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 29/7/252 -
Thanks Skinty, SW and SH
Savaloy is the red sausage, normally lightly smoked. Each bite was like a bonfire!
I really am wiped out and don't know how I've kept going for over a year, over 2 years if I count my original one.
It's very windy, but so far dry. Hopefully I can get some gardening done today. I want to get these onions and garlic in, after that it's just harvesting veg as and when required until the new growing season.
Yesterday I started up my surveys again, made £5 already. Not bad for a couple of hours sitting on the sofa.
A dream I had the other night was me standing in the kitchen door way, admiring how it looked after painting. Nice turquoise units, patterned lino and the tiles painted to blend in with the wall.
At the moment, I have to mentally force myself, or set a day when I will do even simple things like have a shower or go to the butcher. I'm hoping my new role with normal hours, means less tiredness, providing more energy to do everyday things.
Not long until I leave and get a much needed break.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Keep going MF, you are so so close now. The self sufficient goal sounds really good. Can I ask which survey sites you use pls?Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming3
-
Thanks LW2G
I've wanted self-sufficiency for so many years and know I'll still have to work while doing it. I couldn't attain full freedom unless I won the PBs and purchased a smallholding 😀
Only valued o, got fed up with others and didn't 'make' anywhere near what I can with VO. I get useful vouchers when I cash the points in.
Splitting the garlic as I'm gardening at 10am, TomBo wanted me to wait until this afternoon, but I'm running out of energy sat on the sofa.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Garlic and onions are in!
I've gone through three if the cube sections, more has gone to the charity pile compared to what I've placed in the wardrobe. I've been ruthless as I'm mindful of space and also being true to myself as the stuff just isn't me.
- Another three sections to do, but I've run out of steam. It's my cardigans and tops left.
I've swapped my hangers for smaller ones, the doors now close properly and I've some spares.
Once I've sorted through everything I can then properly organise it all. The creative room currently looks a mess 😟
Did find a brand new swimming costume, giving it to SIL.
- It's so bad I'm still finding clothes with labels on 🙈
Had a bit of a tidy up and swept the lounge floor.
TomBo has batch cooked: beef and mushrooms, chicken and barley, chicken wraps. He will do a parsley pesto on the night we have it.
Having roast pork and veg for tea 😀
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Well done on having a clear out. I cant believe you are gardening. I just chill on sofa when i finish my work. I haven't been in the garden for sooo long. Nearly escaped MF, well done.Aiming for a minimal spend 20221
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards