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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Tulips are a blessing!
Keep up the batch cooking, finding the food bargains and making the food budget go further.
Mortgage started 2020, aiming to clear 31/12/2029.5 -
Amazing result savingholmes. I've not heard of Olio, I will have to take a look at that one. I hope you have a lovely day. xxMortgage at highest: £132,500 Now: £51,289.85
Mortgage OP’s: £26,190.17
OP targets 2026:
Sub a/c 1: £788.54/£2402.79
Sub a/c 2 £1479/£1479 ✅
Sub a/c 3: £1062.15/£1062.15 ✅
Sub a/c 4: £750/£750 ✅4 -
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/2612 -
That is beautiful @savingholmesFashion 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 family4 -
Thanks @Baileys_Babe
Today I defrosted some garlic chicken and had that with mash potatoes, carrots and sweetcorn. Feeling blessed by past self. I have some mash left for another day. I've put some soup out to defrost. I'm also defrosting some pasta and bolognese sauce - one I defrosted a while ago had gone vinegary somehow - but I'm hoping that one is okay. If it tastes okay the latter is enough for 2 meals. My freezer is still like a tardis though - so still have other options.
I may also defrost some frozen berries over the weekend - as I have a pancake batter mix I can use and they would be lovely together.
I had a go earlier at making banana bread in the microwave - but I think I slightly over-cooked it (3 mins) and should have added some milk or something. I'm tempted to have another go. I ate half of it with 3 (free) tangerines so they gave it a nice tang and offset the dryness. Kind of food optimising. I woke up today with really bad cramp in one leg so wanted banana but they're all black so not appealing raw.
I ordered a new rear heating element using my CC £35. Hope it's that and that DD or her workmates can sort it. My oven is minging though so also ordered an astonishing product
to help with that. Apparently a clean oven reduces your energy use. Who knew? Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/268 -
That's fab.savingholmes said:Well I feel blessed. I have beautiful red tulips for free, 2 lots of citrus fruit and ready prepared meatballs. I had the latter with jacket spud as a late tea. They were really nice. All in all I reckon what I got was £8 of food and flowers for free. Not bad going at all!
I love tulips.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
Great Olio freebies
I bought one of those radiator cleaning brushes as I can never get the grill off ours. A clean radiator apparently also saves energy. Several weeks later it's still in the box! 🤦♀️"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
I hope your parents recover quickly SH.
Your life is busy but it sounds very productive.Mortgage at 12/07/2022 = £175,000
Mortgage at 31/03/2026 = £154,976.87
300 256 payments to go.House buyout fund £26517.34/£36,000
5 -
Thank you GAP and Jwil
Got all this for under £8. Includes free range chicken breasts, crispy beef, chicken and cider meal, sausages, mousaka, Thai green curry, fruit, veg, salad, yoghurt. Bread. Very happy with my haul. Will freeze some. Cooking soup. Batch cooking chicken and other stuff. Happy days.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/2611 -
Great haul!Mortgage at 12/07/2022 = £175,000
Mortgage at 31/03/2026 = £154,976.87
300 256 payments to go.House buyout fund £26517.34/£36,000
5
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