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A Year in the Life of...
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I'm think I may have tried soap from the Heb soap co before, although not sure where that would have been. Just sounds familiar.
I don't use much body lotion either although probably should. I have a bottle in the bathroom which I use after a shower when I have time/remember which is about once every 6 months. Not even sure how long it has been there.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
2 -
The foodbank are always looking for toiletries too EH
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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 did wonder about that too Beanie - similarly the homeless shelter who we always donate toiletry stuff too at Christmas when we’re here on the run-up, although they generally prefer more mundane items.I find body lotion can feel quite cold on the skin - I love a body butter though. Also found a moisturising body mist at the back of the bathroom cabinet the other day so may give that a try.🎉 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/her3 -
I really like the Av33n0 body mist. It's lovely and so easy to just spray on after a shower.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 29/7/254 -
Funny, I was wondering about this too and was going to suggest asking you about it but I thought I was being stupid so I deleted my message.beanielou said:The foodbank are always looking for toiletries too EH
A body mist is a good idea. I might try that. The lotion I have is a well known brand and it's a gel. I had the face moisturiser a while back and I liked it but the body stuff is just not the same.
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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I've started wrapping. Bet I'm sore tomorrow but only because I don't exercise so I will have used muscles which are not used to it.
I have to say, I am never this organised at this time of year and I think that typing it here for anyone to see has really helped. Sorry for being so boring.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
3 -
Hi GAP - not boring - encouraging... I need to go and get my pressies out and start wrapping. I had a panic the other day thinking I had nothing much for my dad - then remembered I'd got him 3 cartoon books from the CS as well as another 2 low cost pressies. Sometimes we just need to make the list / see the things again to remind ourselves what we already have so we don't buy more!!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 29/7/253 -
GAP I feel pretty organised this year too and I’m convinced a lot of it is down to so many of you here recounting their own progress and inspiring me to get things sorted too!🎉 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/her4 -
I agree with EH. This will be the first year I am not doing most of my wrapping on Xmas EveAchieve 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 29/7/254 -
Thanks both. I'll keep wittering on then as it's keeping me in check.
Up early this morning as I had to drop LMG at work. She is on an early today. I struggled to get to sleep last night and now I'm struggling to wake up. I've got a few things to do today but shops don't open until 10am so rather than have another couple of hours sleep I'm trying to keep myself awake and hopefully I'll be shattered tonight and sleep well. That's the plan anyway.
I've got two presents to buy and one to collect. Got to pick up a money card and some kids wrapping paper. Other than one more gift which I'll pick up when I'm in town a week tomorrow, that's me done with presents. Just need to finish wrapping which I'll do some of when I get back today, before I go for LMG. I can definitely feel the muscle burn from wrapping on Friday 🙈Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
3
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