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Getting shot of the mortgage sooner than 2049!

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  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Also trying to review everything we are paying for. Our Who Gives a Crap toilet paper subscription has come out annoyingly without me realising at £44  (we don’t need any just now so I’d have delayed a month but at least it keeps!). 

    However the prices have gone up since we started using them and I’ve now cancelled the subscription and will switch back to supermarket own brands once this delivery is done. It’s 22p per 100 sheet for WGAC and 16p for Tesco own (maybe cheaper at Lidl). We’ll have enough toilet roll for 6 months now anyway 😆
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • themadvix
    themadvix Posts: 8,718 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    If you want to continue plastic-free loo roll, then Sainsbury’s recycled stuff comes in a paper wrapper. And if you buy it using the smart shop app it’ll give you a Nectar price for it that takes quite a bit off! (currently mine is showing £2.48 instead of £3.30 for 9 rolls). If I want something regularly (ie loo roll), I’ll buy one and wait for them to add it to Nectar prices - you can then usually keep it in there as they renew the offers! 

    Appreciate that you won’t need any for a while now though (ex-WGAC customer here!) 😂
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 31 August 2022 at 1:36PM
    Oh thanks @themadvix, there isn’t really a sainsburys close to us but I could always start nipping in to buy it if I ever pass one! There is one that I am occasionally near. Our local SM is Tesco or Lidl. I have a delivery saved for Tesco so don’t tend to get deliveries from anywhere else. There are three Lidl branches close by, a huge Tesco and two mini Tescos by the way, but no other supermarkets that near, so I think they have some kind of monopoly on this area between them 😆
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • We also cancelled WGAC subscription, (DD and I share) when the price rose from £36 to £44. We still want to have recycled so DD now has an Amazon subscription for Presto recycled loo rolls . I think it's under £18 for 45 rolls and we're happy with them. Might be worth a look?
  • QueenJess
    QueenJess Posts: 4,480 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 31 August 2022 at 10:58PM
    Lol, I also cancelled my subscription a few months ago. I wasn’t that impressed, it was expensive and I just wasn’t sold on it being better for the environment given all the individual paper wrapping and that it is made in China (well at least the bamboo stuff was).

    I think it’s better to have a single plastic wrapper and bulk buy from something made more local. You can recycle the plastic wrappers in Co-op and I notice my local M&S does it as well now. I’d rather no plastic at all, but it’s acceptable for now as I have so few decent supermarkets near me.

    I rarely venture into Sainsburys as they always seem more expensive for anything I want to buy, but I will keep a look out for toilet rolls when I next go in!  Thanks @themadvix
    2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
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    Big kitchen declutter challenge 92/150
    2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • All sounds great blue green, might be worth looking at m & S for kids shoes. The prices range is quite big but they do sometimes have reasonably priced stuff in simple styles. CM
  • themadvix
    themadvix Posts: 8,718 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I did mean to say ‘if there’sa Sainsbury’s near you’ but clearly forgot! 😂

    Your afternoon yesterday sounds lovely (and so do the botanic gardens - my one regret when we were up near you in July was that we didn’t get there!). How lovely to have mid-week after school adventures - such precious memories for your children 😊
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It makes such a difference when your partner helps out.
    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
  • I enjoy my visits to Glasgow botanical gardens it is such a great place.

    Your afterschool outdoor adventures sound fantastic and even more, important to make the most of the daylight as the nights draw in (sorry to be the harbinger of doom).

    Well done to you and Red for working as a team to get dinner on the table so promptly. On other days would it be feasible to do some/all the preparation for dinner the evening before so that on the day it only requires putting together?
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
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