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Simple living in the country - back to basics

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Comments

  • Just caught up on your post-Christmas diary post Cheery. 

    I need to stop fresh starting my budget during mid year because I’d love to get proper yearly spending averages like you have. 

    Hope you both feel better ASAP! And good luck for your 2023 spending goals. 
    Part time working mum of DS (2015) and DD (2018).

    NET WORTH Nov 25: £159,943
    Assets: £230,000
    Investments: £70,169
    Savings: £3,288
    Debt: -£143,514 (£700 CC / £16k car / £127k mortgage)
  • KajiKita
    KajiKita Posts: 10,921
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite
    Yes! If cornflakes are your invalid food then they are officially ESSENTIAL SUPPLIES! And buy some extra milk 😉

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 76 books of target 52 in 2026 as @ 23rd October. 
    Produce tracker: £348 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 101,552
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador
    Be better soon xx
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan.[/b] [11 months left.[/b]
  • KajiKita
    KajiKita Posts: 10,921
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite
    How are you feeling today, Cheery?

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 76 books of target 52 in 2026 as @ 23rd October. 
    Produce tracker: £348 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Baileys_Babe
    Baileys_Babe Posts: 6,968
    Part of the Furniture 1,000 Posts Name Dropper
    Forumite
    Happy New Year Cheery, hoping 2023 is everything you wish for.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • starnac
    starnac Posts: 5,946
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Forumite
    Happy new year 
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • themadvix
    themadvix Posts: 9,844
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Forumite
    Happy New Year Cheeries, I hope you are both feeling better today!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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