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Getting shot of the mortgage sooner than 2049!

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  • badmemory
    badmemory Posts: 9,563 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 28 December 2022 at 7:10PM
    Ever seen a hairdresser howl with laughter.  Mine did on my first visit after lockdown that they were open.  There seemed to be a shortage of anything near the right colour, so I did it the next best.  She had to strip the colour & start over.  The cut didn't bother her but the colour!  It was so awful/funny that she didn't even charge me any extra.  I do however cut my sons hair & he says it is fine but I suspect that anything is better than havinig to sit in one of those places & get it done.
  • QueenJess
    QueenJess Posts: 4,478 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I’m not a makeup person either. I like painting my toenails. Other than that I don’t wear any makeup on a daily basis. On nice occasions I wear eyeshadow (use it as eyeliner as well) and mascara and that’s it. I never use tinted moisturiser/foundation as it feels really fake on me and I’m so pale it looks silly. Plus I have very sensitive skin, so it just feels nicer not to have anything. I’ve never got on with it. I hate perfume as well… never found one that didn’t either make me sneeze or bring my skin out in a rash. Saves me a lot of money though!

    My drawer contains one mineral eyeshadow and a single refillable mascara. I have a few nail polishes, but I decluttered a bunch ages ago and now am determined just to finish the rest and just have about 3 in there. I have finished a number of them in the past, so it’s definitely possible!

    I do love a good moisturiser though.
    2025 decluttering: 3,5045🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 306🥉🥈🥇💎🏆
    Big kitchen declutter challenge 91/150
    2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • I haven't worn makeup for decades. In my 20's I used to regularly have my eyelashes tinted. My hair is starting to go grey, mainly around my temples but I have decided I'm not going to dye it. 
    Normally my sister trims my hair, but last time I asked my teenage dd to do it for me, mainly so she when she is responsible for a household budget she thinks of doing her hair at home 😉
    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 
  • KajiKita
    KajiKita Posts: 7,533 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I do wear some makeup every day for work (mascara, concealer, lipstick) but I’m of a generation where full slap was expected! 😉). I like the way it makes me look (brings out my eyes) but I don’t bother at the weekends for my husband, the cat and the garden! 😂 I also can’t stand anything on my face like foundation or tinted moisturiser - makes me feel like I’m suffocating or can’t move my face, very odd. Unfortunately, I do find that Tropic do the best moisturisers etc for my skin, which is not cheap! But it does last. Never wear perfume any more since Yves Rocher stopped selling into the UK 😢

    My major vice is my haircuts. £40 per time now 😳 (every 8 weeks) I have very fine, wavy hair and it took me forever to find someone who could cut it in a way that means I can put it up for work but when I wear it down it’s literally wash it, dry the roots, sleep on it and then get up and got the following morning. I’ve actually known my hairdresser for longer than my husband …. So 20+ years now. Also going grey, decided a long time ago not to bother dyeing it but do use chamomile shampoo in the spring, summer and autumn months to bring out the blond streaks.

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 29 December 2022 at 3:35PM
    @KajiKita my main issue is my natural hair colour is very dark, almost black so the greys do tend to show quite a lot compared to those with light hair 😂 I think I will look fairly witchy if I don’t dye it (my hair is also waist length, and generally very wavy as I let it dry naturally, though I do sometimes straighten it for variety). But I could probably get on board with looking a bit witchy 😂
    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
  • Embrace the witchy if you can, it will save you both time and money.

    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 
  • joedenise
    joedenise Posts: 17,643 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @Bluegreen143 - definitely embrace the witchy!  As @Baileys_Babe says it will save you both time and money!  I had almost black hair too but decided around the age of 40 not to dye it any more because it was getting too expensive!  I used to have long hair but when I reached about 60 decided it was time to cut it short - big mistake!

    I now need to get my hair cut every 6 weeks, fortunately it doesn't cost me too much as I have a hairdresser come to my house to trim it for me and only charges £7 so just over £1 a week - can't complain about that.  Would hate to have to go to a hairdresser in town as would probably be at least £25 just for a thin and cut!

  • Currently having an email fight with Justeat 🙈

    Normally when my papa comes to visit he generously takes us out for lunch. But it’s raining heavily and our car is in the garage so rather than trekking out in taxis I ordered a takeaway from an Italian restaurant (which I’ve ended up paying for as it came off my card, didn’t think that through!!) - just a meal deal for two - pizza, pasta and two sides.

    One side was chips but they sent sweet potato fries which the kids won’t eat 😡 and everything was stone cold. I just accepted it being cold but complained about the missing chips to be told “we’ve issued a credit to your account for the missing item”

    Now I’m sorry, I know it’s only £4.50 but I think it’s COMPLETELY unacceptable to issue a credit instead of a refund for a missing item 😡 it’s holding my money hostage, I don’t want to order another takeaway to use it up!! Which will cost more than the £4.50, of course.

    Anyway I’ve now had a flurry of emails between us and Justeat are adamant that as they can’t take the credit off my account I’m
    not getting a refund 😡 even though I never requested the credit and it’s not my fault they applied it.

    I’m in that kind of mood and have told them to delete my account and I won’t use Justeat again 😂 in fairness we only get about 3 takeaways a year, but from now on I’ll call with the restaurant direct. Now I know they only issue credits for mistakes I’m not taking the risk of poor service again knowing I won’t get a refund 🤷‍♀️ 
    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
  • beanielou
    beanielou Posts: 95,426 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Dire. 
    It is cheaper actually to order direct. 
    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.
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