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Learning to walk before I run
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Budget not too bad for me (though not as good as you!) 2% off NI, and fuel and alcohol duty frozen - I'll take that 👍Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!6 -
Woohoo on your gym appearance - I am still
proving to be elusive in mine
good news on getting some money back on the budgetglad you have more wiggle room
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#latest7 -
edinburgher said:@teapot2 - are you a victim of fiscal drag/frozen allowances?7
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I am glad you have benefitted from this ed (our DS and his GF too). As non-working pensioners about to receive our state pensions, we are worse off, but no complaints here. I would rather that people who are struggling benefitted. To those of us moaning about this government, maybe they will take this into account when it comes time to vote.
The gradual destruction of public services is just what they did last time (1974-1997) to the point that the next lot spent loads on the now discredited PFI to restore crumbling buildings, only to be shot down over spending to restore when the Americans initiated the sub-prime crash in 2008 -> that sent us into a world recession -> worse than 1929!Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here11 -
@Suffolk_lass - I remember the GFC - got my first DC pension in 2007. Those were a hairy couple of years but we'll get there eventually with patience and a little luck.
I've had a real dose of perspective over the last couple of days. Living in a wealthy area has you comparing to people you really shouldn't compare your lot to while forgetting you're better off than most of the country 😳9 -
Went to the gym today for the 3rd time since rejoining. Hard work and my knees are a little sore but otherwise a worthwhile trip. I think I've finally found some headphones that work for me and it is making all the difference to my motivation/avoiding background noise and distractions.In less positive news, my DB pension seems to have an error at the moment. The value has dropped by c. £900/year since February and I don't think that is possible. I have messaged the provider.Other than that, I have been doing a little anticipatory spending in advance of my 2 wages next month. The first of these was flights and a hotel for the London trip that DD1 and I will be taking in June. True to form, Quidco have reminded me why I never use Quidco. I followed everything to the letter (updated my account, allowed pop-ups, clicked through correctly etc.) but it failed to track. Really annoying, it was supposed to be £20+ of cashback and an extra £10 for using them again for the first time in a long time. I will be ditching them again once this is fixed, TCB are just head and shoulders above them in terms of stuff actually trackingLots of laundry, cooking a nice roast dinner this afternoon and I may try and watch the rugby. Tomorrow will be all about the mums in my life, plans to treat all in place7
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That is lovely. My Mum's card should have arrived today and my Sis offered to buy flowers for her on my behalf - four bunches of colourful alstroemeria for tomorrow and four more when they perish, in two to three weeks time. I just need her bank details now so I can reimburse her. MiL no longer with us and DH is not one to drive 50 miles with a bunch of flowers, or 250 miles to where she is commemorated with his dad in Devon. I am hosting DS and his GF after they have been to her Mum's graveSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here7 -
Glad you will be benefiting from the budget ed!
What headphones are you now using?7 -
Glad the budget will help youAchieve 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 6/7/256 -
killerpeaty said:Glad you will be benefiting from the budget ed!
What headphones are you now using?Missed this, sorry @killerpeaty7
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