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Prosperous soul embraces creativity & mortgage neutrality

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  • Blackcats
    Blackcats Posts: 3,907 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    If it's any help what I've learned on my sloooow journey to reducing grocery spends and reducing food waste (which are, of course, intrinsically linked is ....
    I feel better when I've got access to plenty of fruit and veg but it's cheaper to buy seasonal and also peas, corn, spinach, sliced peppers etc are great freezer go-to ingredients.  JoeDenise suggested frozen fruit too for breakfasts.  I try to keep them in containers in the freezer after picking up an open bag of peas upside down too many times 🤩

    now that I've finally learned to meal plan (it's taken me to my late 50's so plenty of hope for you) I write out my meal plan with regular themes but different meals .... pasta night, something and rice, quick and easy e,g, jacket pots or omelette, fakeaway night, from the freezer meal,  I then work out what I've already got in stock and write the list based on what I actually need.

    cook once, eat twice helps too.  This can be challenging as DH would eat a massive portion if he saw a big pot of dinner so I divide it up before dishing up.  I often get a mournful look from him but it's worth it when getting a home made frozen ready meal out of the freezer for an easy mid week dinner.

    shopping at Lidlees has really reduced my spending as has Olio.  Although I appreciate there is a time factor attached to olio.  

    I'm flattered that you think I'm doing well but accept that I'm much better than I used to be.



  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How does Olio work and how do you apply?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That's quite a good M's haul.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Enjoy your beach day!! 🙌😁
    DNF: £708.92/£1000
    JSF: £708.58/£1000

    Winter season grocery budget: £600.85/£900

    Weight loss challenge 2024: 11/24lbs
    1st quarter start:9st 13.1lb
    2nd quarter start:9st 9.2 lb
    3rd quarter start: 9st 6.8 lb
    4th quarter start: 9st 10.2 lb
    End weight: 8st 13lb

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your day at the beach :)
    "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 McGee
  • Hope you have a lovely day at the beach 🏖️
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks GAP, Dancing, Jwil and Left

    I can tell you the cake was worth the life energy it took to buy it... Had the second piece for breakfast.

    Need to finish getting ready and then we're off to my fave forest beach. Excited! 

    If I want croissants on the beach though I need to nip and buy some jam as mine was mouldy!!
    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 29/7/25
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a great day.  
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
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