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Prosperous soul embraces creativity & mortgage neutrality
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Hi MF the portions are huge - the same as my local carvery for the main bit - but they do a pot of gravy, a massive yorkshire and roasties on top in separate bags. They are light on meat - to the point I'm tempted to just do the veggie options moving forward. I saved half of one for tomorrow - and have the whole of the other one left so worked out really well.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
I belatedly realised that my mortgage went out yesterday - so that's around £645 knocked off the principal. So now down to around £198,132.
I got my SW code via the council so can go for free for 12 weeks starting next week. I am potentially eligible for a second lot of 12 weeks if I can show regular attendance and weight loss. So saved/avoided £60 with the possibility of a further £60 saving/avoidance later. I am going to join the one I spoke to the consultant at around a month ago. I need some accountability so hopefully that will help. It's early evening so I can eat after it - and even if I have to be in the office - I could go there straight from work. Thanks @beanielou and others who told me there might be a scheme.
I need to sort out some cat litter for my cat Thursday night to tide it over until DD returns home next day and leave out extra food. I think there's some in the garage but I'll need to check. I may ask my neighbour to let the cat out on Friday am as she has a key.
I now need to finish getting ready for work and actually start. I still want to fit in a walk at some point today too.
DS has just told me he may be going abroad with work for a few months soon. Exciting for him - but I will miss him if it gets extended. Extra glad I'm seeing him this week.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
We have been having the TGTG carveries too ,they are delicious and only just over two pounds for the vegetarian option much cheaper than buying all the vegs and using the oven7
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Glad that you have finally got the code.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.5 -
Do the vegi option and maybe have some sliced meat from a home cooked meal to add to it. Craving a carvery now!
Good luck with SW, you'll get loads of support and encouragement, it will keep you accountable.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Wish we had a carvery to get some TGTG. No such luck here.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park5 -
I think the amount of meat you get with TGTG depends on what they have left, and how many people have ordered them. The first ones we got had masses of meat, whilst the vege one wasn't as good! Might be worth trying the meat one again.
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy5 -
Hi savingholmes. I have finally managed to catch up on your diary! It moves at quite a pace.
Sounds like things have really started to fall in place for you which is fantastic. I say fall in place but actually you have put in so much hard work and effort to get to this point you have made things happen. Well done.
Great to see you have the Slimming World option sorted - it's given me much more accountability and it quite simple to follow really. Throw yourself into it as much as you can because you really will get lots out of it.
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I'm catching up too. I love the description of your swim. It reminded me of what I've been missing.
You sound SO much happier these days...If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Asda clumping cat litter is cheaper than Lidl!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park5
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