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A Year in the Life of...
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beanielou said:girlatplay said:savingholmes said:girlatplay said:I keep saying to my family not to buy any cards (not just Christmas) but to come and check in my Clinton Cupboard first.
Some of mine got used up as I hardly went out in 2020. Still have lots left though.
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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astrocytic_kitten said:I did find myself wondering this year why I was carefully wrapping everything when I too have a pile of gift bags I could use instead…Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
4 -
Always been a stationary freak!
Since I was in charge of ordering the stationary cupboard at work!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.4 -
girlatplay said:astrocytic_kitten said:I did find myself wondering this year why I was carefully wrapping everything when I too have a pile of gift bags I could use instead…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.4 -
beanielou said:girlatplay said:astrocytic_kitten said:I did find myself wondering this year why I was carefully wrapping everything when I too have a pile of gift bags I could use instead…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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My wrapping is a disaster this year because a very inquisitive kitten is determined to be involved in the brilliant new game involving big sheets of paper waving around.
Also a huge fan of stationary!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
I am an expert wrapper. Lots of practiceAchieve 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 29/7/253 -
girlatplay said:beanielou said:girlatplay said:astrocytic_kitten said:I did find myself wondering this year why I was carefully wrapping everything when I too have a pile of gift bags I could use instead…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.4 -
I have paper and tags so I can start wrapping. I need to buy kids paper. I have two gifts to pick up; one ordered and one I have to go and buy. Another gift I ordered has been marked as delivered today by a certain delivery company but there is no sign of it and the picture is just a blur. Bit annoying. Need to sort that out tomorrow. Other than that, I just have a small gift to get but I have no clue what to get. Once I've sorted that I'll be done with Christmas shopping 🎉
I seem to be buying hand soap like there is another lockdown coming. Not purposely, I just pick it up when I see it. I just went to put it in the cupboard and noticed we now have 4 bottles stored. The two we are using right now are both fairly new so we really don't need any for a while. We do get through it quickly in the bathroom and I like to have another one ready at all times.
I've been thinking it was Wednesday all day today so it's a pleasant surprise that it's Friday tomorrow. Usually by Thursday I am done in but I feel ok at the moment. Probably should get to bed instead of hanging around on here though.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
1 -
Always a delight to realise you’re a day further through the week than you thought you were GAP!We use bar soap in the bathroom and liquid in the kitchen so I usually have a spare bottle of liquid, and a couple of spare bars - although that’s sporadic as we use Hebridean Soap Company stuff for preference so buy it when we’re up there. My “Glut” currently is body lotion - which I rarely use. It gets bought for me though…I may sort out some bottles of it to go to the charity shop I think.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2
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