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Prosperous soul embraces creativity & mortgage neutrality

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  • badmemory
    badmemory Posts: 9,727 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 17 August 2022 at 12:34PM
    I'm not fond of crumble but batter pudding is a whole different ball game.  Although the recipes if you google them now are way too sweet.  My recipes are from Good Housekeeping printed about 1966, given to me as a wedding present in 1969.  The pages are yellow/orange & are barely attached to the binding but it is still my go to book.
  • badmemory
    badmemory Posts: 9,727 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I have a serious cleaner envy!  I suspect if I get one she'll walk in take a look around & walk back out again!
  • I cleaned the kitchen cupboards out at work and put all the pantry stuff back in order, looked the other day and it was all messed up 😭
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your cleaner sounds fab!  Glad she's making a difference for you.
    "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
  • skint_spice
    skint_spice Posts: 13,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck at the dentist!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks skint_spice

    I need to make myself go back to the gym. Haven't gone since I got covid at the end of June! Still paying for it though - so need to go back or stop paying!!

    I spent £7.99 on for 24 AAA Dur branded batteries today. Starting to see that I need a pot for stuff like that. In theory I might be able to reclaim it from work - in practice it's in the too difficult basket.

    I spent about £30.71 on food today. DD has the receipt for the Al** stuff and I have the one for the Mr A stuff.
    20p bag for life - which was a waste as I had loads of bags in the car but forgot to take one in
    £1.80 frozen parsnips - FF currently working again
    £3.30 on Mr A branded toiletries - a saving of 70p compared to usual so happy
    £1.20 on Coleslaw - cheapest version not available
    £3.50 on kitchen foil 30 metres. Annoyingly 68p version not available (not sure on that one's meterage)
    £4 on 2 different types of cheese
    £0.22 on YS veg - however may have gone off so may be a waste. Very vinegary. 
    £2.29 Mackerel (3 fillets ie. 1 more than Mr M at £1.89)
    £1 Tomatoes

    From Al**
    95p potatoes
    £1.15 Mixed peppers
    £2.11? Clingfilm
    £5.78 1kg 5% mince beef
    £2.15 6pts semi milk
    £1.17 3 x passata at 39p each (better than Mr A at 49p but was 30p not long ago)

    I pointed out to DD she was the main user of the foil. I use cling film a lot though. We'd run out of the latter so used foil more - which wasn't ideal...  Still forgot to buy lo-salt and oxo cubes... So need to go back at some point for them. Need them to make spag bol and chilli! I avoided spending on BDMs although DD gave me one of her choc doughnuts and I still had some left (and ate toffees today). Not on SW plan yet. I have had 2 bananas today. Plus 3 plums from my tree and 2 apples from my garden. Had porridge for a late tea.

    Non-food spends today were £13.80. Need to consider whether I need a category for those. Will see how the month progresses but interesting so far. Obvs spent on the cleaner too - but see her as an essential.
    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
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