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A Year in the Life of...

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi GAP if its any consolation I struggled at times shopping as I went almost a year with barely going in any shops and sending the kids in instead - wearing masks. So I can relate. I've found getting out in the local park has been good though and very uplifting. The autumn leaves are stunning.
    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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi GAP if its any consolation I struggled at times shopping as I went almost a year with barely going in any shops and sending the kids in instead - wearing masks. So I can relate. I've found getting out in the local park has been good though and very uplifting. The autumn leaves are stunning.
    I was the same.  I'm higher risk than a normal person for catching bugs so I avoided going out.  LMG went for everything.  The nearest park to me is about a 15-20 minute walk away and I make excuses to not go, all valid but excuses nonetheless.  I do look forward to the weekends when there is a purpose to going out (family).
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Well done on clearing the debt ( bit late to the party I know) and for saving such a decent EF.  Good luck with flat selling and house buying.  Your neighbour sounds horrible. 
    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.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you at least get out in weekends. Important not to lose the habit completely. I pretty much make myself go for a daily walk at least 
    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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on clearing the debt ( bit late to the party I know) and for saving such a decent EF.  Good luck with flat selling and house buying.  Your neighbour sounds horrible. 
    Thank you!  Re the EF: I only saved £3k of the current balance, the other £2.7k is the balance of a gift.
    The neighbour is horrible.  Luckily we haven't had any run ins with them recently but we can hear them screaming at their toddler.  I know most people shout at their kids but this is ridic.

    Glad you at least get out in weekends. Important not to lose the habit completely. I pretty much make myself go for a daily walk at least 
    One of my original plans when I started this diary was to get out every day.  Oops.  We see our family at the weekends and it's good to get away from the flat for a few hours.



    I'm working on the meal plan and will be back with that later.


    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I grew up with an agoraphobic parent, and had it not been for that would almost certainly have been the same myself by now. Thankfully my parent saw the signs and basically MADE me go out even when I wasn't wanting to - I'm so grateful for that now. 

    Something also worth mentioning probably - I used to suffer horribly with the black dog arriving during the winter months due to the short days and limited daylight. A few years back I challenged myself to go out and walk for 15 minutes during my lunchbreak each day once the clocks changed - and it proved to be incredibly effective, regardless of whether the sun was shiny or not, just that little bit of daylight time helps so much! I've kept it up, now do it all year round and often now I'm out for half an hour and walk a couple of miles. I get an hour for lunch so it still leaves me time to eat when I get back, and the break away from my desk makes me more productive in the afternoons, too. Definitely something I'd recommend trying if you suffer from SAD. 
    🎉 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
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  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    This is really good advice EH.  My family have been on at me since I started working from home.  I only take half an hour for lunch and (another excuse coming) by the time I've made something and eaten it there is just not enough time to go out. Sometimes I'm not even finished my lunch when the half hour is up.  I look forward to the weekends and I think part of that is for getting out too.

    I do suffer from SAD.  I have a lamp that my sister bought me for Christmas one year.  I know where it is so I need to start putting that on to try to help a bit.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Okay, meal plan time.


    The way we work our plan is so that anything can be eaten on any day.  It gives a bit of flexibility if we don't fancy something on a particular day, we just pick something off the "menu".  The only exception (other than if we have other plans) is if something is needing used up or close to it's use by date.  Also, during the week we like meals that are as quick to make from as scratch as possible.  LMG was veggie for a few years but will now eat chicken and sometimes bacon.  She won't eat any other meats so spag bol, chilli and mince & tatties are off the menu unless they are veggie options.  Sometimes I just need to have them so I make them at the weekend for me and freeze the rest or invite bf round and he eats what I don't, so no leftovers 😆


    I was ill yesterday (health stuff) so I couldn't eat anything.  LMG found a tin of soup in the cupboard so had that, I presume with bread.  I was sleeping.


    This week - Thur 4th-Tue 9th


    Mozz, tom & basil pesto pizza (tonight)

    Creamy rigatoni with garlicky greens

    Creamy mustard chicken

    Halloumi & roasted veg rigatoni

    Baked potatoes with cheese & beans

    Saturday - at my cousin's for housewarming so need to play it by ear. I am looking after my niece and her favourite food is macaroni cheese so there's a very good chance..


    LMG picks up stuff for her lunches and breakfast stuff if required. I tend to eat what we have in the house for lunch.  I'm a toast for breakfast kind of girl so it will be that this week.

    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Creamy mustard chicken sounds just up my street  :)
    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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Mine too Lou 😋
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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