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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Hoping you can get through the month without too much more diesel.3
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Have a good dayI 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.3 -
Thanks @alchemilla12
My friends came back to mine and we finished off my chicken casserole, with some extra roasted parsnips, peas, carrots and broccoli. We ate apple and plum crumble, ice cream and custard. We've said we'll try and see each other more regularly again. I used to see the wife of the couple weekly before I had kids and probably for a while after my DS was born until we moved out of area. They were very accepting of the divorce and supportive which was nice. That hasn't always been my experience with others. We shared some of the carp we'd all been through so it felt cleansing too.
They really loved my paintings and strongly encouraged me to approach galleries etc to sell them and sell them online. That was lovely too. They are considering moving house in a few years to a lower house price area - and it's one I've considered so will be interesting to see what happens. I knew they were older than me - but had lost track how much. They are hoping to be able to retire soon.
DD has managed to book a driving test. When she comes back from her holiday she will use the cancellation app to try and get a test sooner.
WD - I think you would be proud of me. I stored a charity bag of carp for a week in my front room - but just binned it last night as I realised there was very little of value in there - and at least this way it left the house. Result.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 -
Well done on ditching the bits & bobsI 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.4 -
My fuel light came on. I have £27 left in my budget pot for fuel so may just put that in and that should then last. I hate filling up with fuel though - so I may choose to 'over-spend' instead and fill up to reduce the hassle - however that then can become a cumulative cycle and makes it harder to see how much you actually spend on fuel each month. I have to go to work tomorrow and possibly Wednesday. If I do both trips that will use up most of the fuel I have left..
I spent about £3.20 on a drink at the gig but ate some veggie pasta beforehand to reduce temptation. I have £4.20 left in my eating out budget to last 2 weeks or so...
Missed SW tonight but want to get back on plan. At best I would have maintained - at worst I would have put on.
Meal planning (may eat out of order)
I have about £30 left in my grocery pot which I want to make last. All food supplemented by plums and apples from the garden....
I have plenty of milk (about 7 pints). I could therefore have porridge or angel D instead of or to supplement the list below. I also have multiple packets of chicken noodle soup so that would also offer a quick meal if needed. I may freeze some of the veggie pasta I made so I have more variety another day.
Of this week's meals - I may need more salad mid week and some chicken and am nearly out of 'goal stopper' foods but other than that shouldn't have to buy much.
Tomorrow
Take veggie pasta to work - perhaps with extra salad (lettuce, tomatoes and spring onions)
Fish, chips and peas from freezer
Crumble and custard
Wednesday
Jacket spud - tinned salmon, salad (as above)
Defrost home made spag bol - probably equivalent to 2-3 portions - especially if I add extra veg.
Thursday
Spag bol
Cheese and onion omelette and salad (may need to buy more) possibly jacket spud too - with salsa sauce
Friday
Jacket spud - tinned salmon, salad
Spag bol
Saturday
Defrost 5% fat minced beef - and make chilli, spag bol and cottage pie again (and freeze some portions)
I could make macaroni milk
Cottage pie (could cook this and macaroni at same time)
Sunday
May buy chicken quarters again if no chicken in freezer
Defrost sausage meat from freezer
Make roast potatoes and veg and have roast chicken dinner
Hope you all had a good time this extended weekend.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 -
beanielou said:Well done on ditching the bits & bobsAchieve 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 29/7/254 -
Well done on the de-cluttering.
your budget pots should just about eek it out to the end of the month and that's good enough. It's all trial and error to start with. I'm over on petrol this month as a result of 3 fairly long trips to spend nice times with family so I'm kind of ok with the overspend and can cover from other pots.
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Meal planning looks good and love the flower picsDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
Well done on the meal plan and getting rid of the junk"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 McGee4
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I am indeed 🥳
It's satisfying isn't it😀4
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