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Getting shot of the mortgage sooner than 2049!
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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: £55,4253 -
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 Hemingway3 -
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: £55,4253 -
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?3
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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 @themadvix2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 309🥉🥈🥇💎🏆
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 👑 5004 -
Yes, I thought the price used to be £36!! Which I worked out at the time wasn’t too expensive compared to what I could get at Tesco. I’ll check that brand on Amazon @Nonnadiluca
Just about to leave for the gym, going at 6am 3x a week is working so much better than trying to fit it in at 5pm or 7pm. Do have to go to the office today so I’ll be tired by school pick up, but luckily this is my last working day this week.Had a lovely afternoon yesterday. I do try to the take the kids to the park every dry day after school, but we tend to stick to the playpark next to nursery 95% of the time and then the other 5% go to a local community owned wood/green space which is on the same street as the playpark. Last week I went to the botanic gardens after school and I really don’t know why we don’t go more often as it’s such a short walk from the school bus stop.So I’ve resolved to do more mid week adventures, and yesterday we went to an urban nature reserve next to the canal which opened last year and I’ve not visited since it had just opened. Literally a 5 minute drive from both our house and nursery/school bus so no reason not to go after school. The weather was so hot and sunny yesterday and the canal looked absolutely beautiful and so peaceful, it was just gorgeous. We also spontaneously agreed to meet my friend and her two there as I knew her school bus stop is round the corner from it (her little girl goes to the same school as Monkey but uses a different bus). It really was good for all of us to get out somewhere so lovely after a busy day.
When the children were younger I was put off doing more adventurous, spontaneous stuff by the fact I’d maybe be breaking their routine - yesterday I only got home at 5.30 which normally be 😱 at as still need to make dinner (which we normally serve at 6), bathe the kids etc. but DH had run their bath and chopped everything for dinner, he bathed them and dressed them and I had dinner on the table at 6.10 (butter chicken curry with chickpeas in). So it all turned out well 😆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: £55,4255 -
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. CM3
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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 Hemingway3 -
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 6/7/252 -
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 family3
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