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Prosperous soul embraces creativity & mortgage neutrality

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  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That's a real result with the wm  :)
  • beanielou
    beanielou Posts: 95,715 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great result  :)
    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.
  • Great news about the washing machine and further decluttering.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Cleaner definitely the hero of the day!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks WD, lucielle, MF, Beanie, Merlin and Alchemilla

    I agree my cleaner is ace. Huge relief over the WM too!

    DD has just pulled out some jars of sauce she no longer wants that I can give my cleaner next time. It all helps. 

    I was discussing the forecast energy bills with my cleaner whose house is less than half the size of mine but much older - and hers is due to cost £3K+. That does include their hot tub though which they are going to pack up and put away. Every little helps. I told her to search on the Vamp thing too - so she knew which devices to target...  
    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
  • Well done on the w/m fix and that TGTG veggie carvery sounds delicious and a bargain

    I am eating extra carb suddenly - think its the weather change.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks @LadyWithAPlan

    Yes I think the change of weather is having an impact. I had 3 hash browns, 3 thin sausages, beans and 2 eggs for breakfast. Will see if eating more - and eating more protein - reduces the sweet cravings. 

    I've split my groceries budget now to be about £35 a week with £20 spare a month for those random household items / pet food items. Will see if I can come in below that. My biggest challenge is that not only am I sabotaging my diet plan by eating too much junk food - it's also taking about a third of my grocery budget! I also need to follow the SW plan better and eat more of that so hopefully I stay fuller for longer. When I get back on plan I find it easier to stay on plan - but once I'm derailed I struggle to return.

    Just organised a Mr A delivery for tomorrow - £39.34 after random £2 voucher they allocated to me. This included £3 on toiletries. £6.25 of that was 'goal stopper' foods but if that stops me doing top up shops still cheaper than most other weeks - also £1 of the £1.30 rewards pot related to these foods - so true cost £5.25. I will split the treat food into days - to better match my SW allowance. Will let you know how that goes. £2.50 of that was on 24 X cubes so they should last a while but derail meal plans if not available. I bought minced beef, cheese, mackerel, chickpeas, eggs, peanuts, 3 x chilled soups - rest was pretty much fruit and veg. 

    I also need to try and harvest more plums if I can find a way to reach them. Plus apples from the garden. I may then make some home made crumble again. Ideally I need to freeze some of my harvest too...

    Need to shower, do my make up and go into work. Got to see my boss and an auditor today - always fun!
    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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