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2020: Becoming a Saver, Not a Spender

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  • FootyFanDan
    FootyFanDan Posts: 1,669 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Hey :)

    Glad the training seems to be going well and good on you for getting the extra day off, you certainly could do with the extra down time - Have a fab weekend :)
    Days to Orlando: 462- ☀️🎢

  • Hey MSE! Just a quick check in :)

    Looking forward to my first 4 day week, going to view a house tomorrow on my lunch break so fingers crossed for that.

    All is well enough in budget world, 11 days until payday and got enough to cover the rest of the bills so can't complain at that!

    Will try to get on properly this evening to catch up on everyone's diaries x
  • beanielou
    beanielou Posts: 95,376 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy Monday & happy 4 day week. 😀
    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: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great budgeting. Have a good week
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Well done on the budget! Good luck with the house viewing, hope it goes well :) 

    poppy :heart: 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Checking back in at last as today is my day off :) naturally, kitten woke me up for breakfast and OH was out the door at 7am for work so I am up and making use of my day :joy:

    House viewing didn't go ahead, as per usual lately someone else viewed it first and put in an application for it, hey ho.

    First wash of the day is in the washing machine, hoping to mooch down later to our local haberdashery and have a nose around in there if the weather isn't too awful. Need to also pop to the parcel postbox to send off an eBay parcel, but I will drive over there as it's a long walk. Still more efficient than queuing in our only post office, though!

    Might do the food shop if I get too bored, frees up my entire day tomorrow then rather than doing the food shopping then. Who knows! I'm going to crack on with some house tidying for now but I'll be back soon to catch up the many diary posts I've missed!
  • Hey Hey :)

    I haven't turned on the TV all weekend and unsurprisingly I've been much more productive :joy: I've been making.... wait for it.... cat bow ties :joy::joy::joy: I was just looking at the one I got for my boy and figured I'd try making them and now he has three different designs and I have an Etsy shop :joy: if it tanks, it tanks, but I've had fun messing around with them lol. Good thing too, as it turns out the one I got from Amazon is held together with staples :hushed:

    Did a user test this morning for the first time in probably a year so $10 should drop into my PayPal account next week. Put a PS4 game I got for Christmas 2 years ago on eBay and that sold within about an hour, so not been a bad day :)

    Going food shopping with OH tomorrow instead of alone tonight as I just have visions of me chasing my groceries around the car park with the current high winds.

    Feel out of sync and like it's Sunday having had yesterday off, but nice to know I've still got one more day ahead of me before the week starts again :)
  • beanielou
    beanielou Posts: 95,376 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Can you pop me a link please?  :)
    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.
  • beanielou said:
    Can you pop me a link please?  :)
    PM'd you beanie xx
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with your business idea. Well done on the sale. Enjoy your freedom.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
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