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Simple living in the country - back to basics
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Chiglepig said:I often give people time frames like that, CD, I HATE it when they take a week to reply then assume I've kept the whole day for their 15 minutes2023: the year I get to buy a car8
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Indeed - at least round here they'll just leave parcels whether we're here or not. I left the builders a key once we'd got to know them, but I don't trust this lot not to botch it if we're not here!7
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Hope your anxiety improves. As EH and others have said the last couple of years have been demandingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/259 -
Not surprised that you feel anxious.
One way & another it has been some two years.
Please take of you xxxI 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.10 -
Thank you all xx
So. Supermarket shop done, £67, and paid for all of it in vouchers 😁 Hoping we can get away with just spending another £100 or so extra over the month (or using more vouchers) - we'll see. Still got a hefty storecupboard of pasta, rice, beans etc to munch through.
Found out today we've got £41 worth of Boots points 😮 Mostly because we bought the fridge and hob from Boots online 😂 Couldn't use them today - we were replacing a broken electrical device but it cost more than that 🙄 did get another £2 worth of points in the meantime though.
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I have no idea what's on my Boots card (I keep it mainly for when my Mum visits), in fact I can't remember when I last spent in there, it must be over two years. And I was a Boots Saturday girl (gents-electrical, I know more than I care to admit about Remington shavers and can't be in the vicinity of anyone wearing Paco Rabanne or YSL Farenheight, if they are still even a thing)!
2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,85612 -
Lovely find on the loyalty card. I have about £8 on mine I keep forgetting about tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/258 -
I was very MSE with mine, I knew I’d got about £20 on and likewise hadn’t stepped foot in boots in years but needed a new lippy so went there and used my pointsSealed pot challenge 822
Jan - £176.66 :j9 -
I have taken to buying Mr SL's toothpaste (and my face-cream) from B00ts online when they are needed and on discount - I don't have a loyalty card but I notice there is somewhere to record it (and use it) there, if that helps anyone
Just to add, we each won £25 PB this monthSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here12 -
Hope your ok Cheery You haven’t been on for a couple of days. Hopefully enjoying your long weekend x2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️9
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