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A Year in the Life of...

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the idea of a quick macaroni cheese - definitely a favourite meal in this house! 


    🎉 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
  • joedenise
    joedenise Posts: 17,696 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What's your hack for a quick Mac and cheese?  Would be interested in that!

  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Can you please share your mac & cheese hack?. Ta.
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your niece's visit went well
    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
    edited 8 November 2021 at 3:17PM
    I had a lovely weekend.  It was nice to see my cousin and her new home.  Also got to meet her new partner.  He seems nice.

    My niece stayed over on Saturday night.  She's so cute and lovely but she's a wee chancer when her mum comes to pick her up.  I can see the difference between me as a mum and my sis as a mum.
    Ended up spending a little money on biscuits and fruit.

    As far as the meal plan goes, we had mac and cheese on Saturday night as planned.  LMG met her friend for dinner last night and I had the leftover macaroni for my tea.  That means we still have three meals left.  Tonight will be the halloumi rigatoni and tomorrow will likely be the creamy chicken.  The next HF box is due on Wednesday so we can either have the other rigatoni meal that night or we can choose something from the new box.  All good.  The budget seems to be running away a bit this month.  Too much random grocery spending.  The evening meals are planned but we need to pull ourselves together over lunches.

    I haven't bought an item for my wardrobe this month yet but bf and I are planning our annual Newcastle Christmas trip so I don't want to spend anything right now.  We have booked and paid for our hotel and we drive there (I'll talk him into taking his car and I'll give him money for petrol) so just meals to think about. We are only going for 2 nights this year (usually 3) so should be less.  We have paid for breakfast already.

    Talking of bf, anyone remember the secret competition for the loans?  Well, it came up in conversation last week about how much we had left (just general chit chat) and I had to admit that mine was gone. 6 months previously.  He was in awe for a minute but quickly got over it.  The thing is, I'm not a spender.  He is.  He says he's not but he is.  The minute I mentioned that I overpaid and didn't spend on rubbish, he switched off.  His next conversation was about how his pal had got a great deal on an upgrade of his car so he (bf) is thinking about doing that too.  Or he might just wait until the loan is finished (his is for his car) and then upgrade and get another loan because "that's what everyone does, don't they?!"  🤦🏼‍♀️
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Obviously you won the competition - but still - it's scary when they just don't want to get it.

    The planned shopping trip sounds like something to look forward to. I must admit these days I prefer to buy most stuff online.

    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
    Obviously you won the competition - but still - it's scary when they just don't want to get it.

    The planned shopping trip sounds like something to look forward to. I must admit these days I prefer to buy most stuff online.

    We call it a shopping trip but really it's just an excuse to spend a couple of quality days away together with no kids, jobs, etc.  We've made it our thing and I do look forward to it.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I did really enjoy it a few years ago when we did a hotel trip to Cardiff and were right by a shopping centre... 
    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
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Obviously you won the competition - but still - it's scary when they just don't want to get it.

    The planned shopping trip sounds like something to look forward to. I must admit these days I prefer to buy most stuff online.

    We call it a shopping trip but really it's just an excuse to spend a couple of quality days away together with no kids, jobs, etc.  We've made it our thing and I do look forward to it.
    Good way to think.
    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.
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