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Cutting it Fine - the challenge is on!

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  • Thanks savingholmes :smile:.  Its a constant clutter-battle isn't it.  Lets see what the book brings.  I feel so much calmer in a clear space but its always a compromise between getting rid of stuff or creating storage for it.  I've learned my lesson re. creating storage - I was so successful at it that the first time I moved house it was like Pandora's box - clutter was very well stored and just kept coming out of cupboards and shelves we'd built everywhere.  I vowed I'd never be like that again, but I would like easy access to the things I do have (vs avoiding making a decision by storing it away).  I think my first step is to think about what I would like where, so I have the start of a plan.  Having problems sleeping tonight due to being overtired (very full weekend) so its nice to think about this and plan the first step/s.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,032 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It will be great to hear your take on the book - I've not downloaded it yet but it's on my list.

    My house feels so much lighter for what I've removed from it this year though. It also reduces the number of things nagging at me.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • Definitely, I do like a place for everything and everything in its place - just not to the extent I had previously where there was too many places for too many things!! :smiley:

    I love clearing the spaces and am looking forward to adding back just the things that are a real joy to see.  Feels like two steps forward one back at the moment.  There is progress just very slow, but I do know you have to work at these things.  I just feel very tired at the moment and need to arrange some time off for a winter hibernation.  
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • Have got my eye on an item savingholmes, but had lots to do this weekend, and also wanted to give it some real thought.  If its still available when I get around to it then its meant to be.  I'm trying not to get carried away and rush into things.  Although, I just popped onto LadywithaPlan's page and have now bought the 30 day cleaning book!!  Bit of a rash purchase but for 3 quid I'm hoping it will give me the nudge to get things in order - I'm now at the stage where I can start to move forward - especially with payday on the horizon.  There isn't lots of clutter here, but I've suddenly got a lot of room/extra drawers etc, plus a few bags of things which need to be sold/donated - so I need to start organising.  Its knowing where to start so the book should set me off in the right direction :smiley:
    Fingers crossed it helps you ;)  - feeling slight pressure ;))
     Its very A, B, C but this is why it works for me  without making me stop my life.    It will make you re-clean as well as organise as well.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks LadyWithAPlan, the book came during the week and I had a very quick flip through today.  From first glance I really like it, I need something very straightforward.  Looking forward to getting started.  At the moment there seems to be one thing after the other, but hopefully this weekend we've turned a corner and the unexpected things will stop happening and life settle down.  And then I can start the creative things that give me joy :smiley:

    Just been updating my signature - nice to see I now have £700 in premium bonds and £450 in my ISA.  That might need to be my new car fund, just in case I need to replace my current one before I retire and take a lump sum.  Sadly mortgage neutral has increased by £8k, recent events knocked £10k off Mr Shores' pension :neutral:


    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,032 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on savings. Good luck with the declutter 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks savingholmes.  I have direct debits set up for £25 and £30 - not huge amounts though its nice to see the savings build up slowly but surely.  The household savings are in PBs too, but was just reading your thread and someone mentioned good interest on the N@tionw1de s@ver so I may change.  It would be nice to see some interest.  

    Had a strange day at work today.  One very moany person who I couldn't get off the phone - very draining.  Then called into a late meeting where we realised the key part of a project hadn't been actioned.  It was something I expected a senior person to have in hand, but feel that the finger will be pointed in my direction.  Disappointing but not the end of the world.

    Decluttering has taken a back seat to being over busy at work, and then quite a busy weekend planned so it may have to wait until the following weekend.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,032 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    There's a lot of good interest rates around now. I have a B account - so I've now got a 5% rate...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I need to look into this savingholmes, especially as I'm leaning more towards saving now until our fixed rate runs out in a few years time.

    Been absolutely full pelt with life and work, this weekend I'm planning to have a much more leisurely one and start reading my decluttering book (and maybe do some decluttering even).
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,032 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    LOL at maybe implementing the book

    Sounds like you need time to rest and recharge too. Are you going out in nature or still doing your running?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
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