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2020 - 'Nothing in your life will change until you make the decision to change'
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I've been watching tiktoks of professional organisers in American kitchens. I never realised how much food people can have in their kitchens. Well pantries. Whole rooms just for food! This just says to me that more stuff you have, the more organised you have to be. And I'm not together enough to be organised so less stuff it'll have to be. Maybe have a look for some for some ideas?
I love how much its going to liberate you having the kids both at school. That money is life changing! XxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138005 -
I have watched some youtubes of people reorganised kitchens and pantries and like you am blown away by how much food some people have. I've bought some stuff for organising my kitchen - but some of the people seem to spend way more than what they are storing is worth.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 -
You are doing really well at decluttering, I made a start but ended up with a lot of unsleptin sheets that did not sell on ebay and it seems from a couple of people who work(ed) in them that some of the chatity shops I can get them to throw out if they do not sell for 10 days, I must be the only person who now has a pile sheets on the sofa that need a new home, whereas before they were out of sight and mind in a drawerCredit card debt - NIL
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 20365 -
Kitten868 said:I've been watching tiktoks of professional organisers in American kitchens. I never realised how much food people can have in their kitchens. Well pantries. Whole rooms just for food! This just says to me that more stuff you have, the more organised you have to be. And I'm not together enough to be organised so less stuff it'll have to be. Maybe have a look for some for some ideas?
I love how much its going to liberate you having the kids both at school. That money is life changing! Xxx
I try not to have too much food in (our kitchen is tiny, so not a lot of choice), but equally I am trying to stock up a bit for the winter and in case of further lockdowns or in case we have to isolate so we don't have to go out. I'm definitely in the 'have less' camp!savingholmes said:I have watched some youtubes of people reorganised kitchens and pantries and like you am blown away by how much food some people have. I've bought some stuff for organising my kitchen - but some of the people seem to spend way more than what they are storing is worth."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
SusieT said:You are doing really well at decluttering, I made a start but ended up with a lot of unsleptin sheets that did not sell on ebay and it seems from a couple of people who work(ed) in them that some of the chatity shops I can get them to throw out if they do not sell for 10 days, I must be the only person who now has a pile sheets on the sofa that need a new home, whereas before they were out of sight and mind in a drawer
That's the sort of thing I do. 10 days seems like an awful short time to keep stuff and then bin it! It must cost the charities a fortune! It might be worth asking them if they get money for textiles, many used to but the textiles market has collapsed so they might not any more. Otherwise I'd be tempted to put them in the charity banks if you have any nearby, or maybe see if a homeless hostel or refuge or something could make use of them?
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
Well today is payday! And that nursery money is now mine, all mine
I'm not going to do anything with it until I've had my MOT and service this month and then I'll probably try and finish building up the house emergency fund first as well as finish paying off DH for my car.
Today is also little miss's last day at nursery. She's very excited, and has a cake to share with her friends and some chocs and biscuits for her adults. She's also made a card. It's the end of an era!
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
The end of an era indeed!A new chapter begins😊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.3 -
End of month update:
Debts 20201. £8,309/£8,1802. £3,778/£3,7663. £1,872/£1,8624. £4,759/£4,745Car: £1,600/£1,150HMRC: £288/ £0Mortgage: £112,675/£109,360
Other 'debts'General emergency Fund - £1,000/ £289 (£711 to go)House emergency fund - £4,000/ £2650 (£1,350 to go)Mortgage overpayments - £20,000/ £120 (£19,880 to go)Car replacement fund - £3,000/ £125 (£2,875 to go)
'Official' debt of - £20,606/£19,703= £903 paid, 4.38% cleared 👏
Unofficial 'debt' (savings targets) of - £28,000/£24,816= £3184 paid, 11.37% cleared 👏"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
Decluttering update.641. Pen
642. Toy
643. Helmet
644-647. Boxes
648. Trousers
649-650. Boots
651. Sandals
652-653. Ink cartridges
654. Soldier
655. Kids toilet seat
656. Cot bed mattress
657. Micro scooter
658. Crate
659. Wellies
660-661. Dressing up outfits
662-663. Shoes
664-670. Toys
671. Bag
672-673. Balls
674. Phone toy
675. Farm set and animals
676-677. Puzzles
678-684. Soft toys
685. Playset and figures
686-797. Clothing
798. Shoes
799. Trainers
800. Wellies
801-838. Clothing
839. Rock
840-842. Yeast
843. Capers
844-861. BooksDecluttering 2020 totals:Magazines/papers: 386Ebay parcels: 344Other: 861Total: 11591Ebay listings: 408Survey/other earnings:Amazon: £99Paypal/cash: £207.67Other vouchers:£0"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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