Mortgage start: April 2024 - 295k Current £256k
Emergency fund: 13.5k/15k
Current mortgage free year: 2054 2039
Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
The little joy list
Books read: 41 (2024) | 12 (2025)
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Getting FIREd up 😀
Comments
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Hiya @South_coast
ooh I'll have to check out the frugality discussions. I think I have similar thoughts to you - I'm not sure I could describe myself as frugal - I'm just usually good at not spending much as there isn't much I want. But when I want something I quite happily spend money. But I can easily adopt frugality when I'm saving for something I want - I quite enjoy the challenge of it.
But I've had plenty of spare £££ every month so in new place will need to make some more careful decisions.
I'm starting to get a bit fussier about eating out - I'm not finding many places worth it anymore - I'll quite happily spend money on something nice but the prices seem to be getting a bit cheeky and the quality of the cooking not always great.
Are you planning a new kitchen soon?
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I am planning a new everything 😀😀😀! Kitchen, bathroom, bedroom, electrics, floor coverings, plastering, furniture etc etc etc. In fact, I have actually made my first purchase for my new swanky flat this afternoon - £4.00 on a new magazine rack 🤣! I would have happily paid a lot more, but that was the one I liked 😀!
On the eating out, we are lucky (or unlucky, depending on how you look at it 🤔) enough to have loads of fab independent restaurants both in my town and the one just the other side of BF's village (actually, there is a pub in his village that does great food too), so sadly we can always think of somewhere great to go. Although the £15 Chinese buffet restaurant is definitely a regular favourite 😀!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
I am a non-frugal bellwether - if you want to check whether you're being frugal just ask yourself "could I imagine Ed writing about this on his diary?"4
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I'll bear that in mind, Ed 🤣!
Have just remembered something else past-SC used to do - she spent a fortune on Tigi styling products - bought from the salon, at a ridiculous mark-up 😱🤦♀️! She did eventually wise up and buy them from eBay (telling the salon "Oh, my Mum stocked me up on a load for Christmas/birthday" every time they tried to sell me more), then eventually wised up even further after forgetting to take them on a work trip and realised she didn't need them at all anyway!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Uni-SC also started off life buying textbooks from the bookshops in town (needed for a whole semester, so not feasible to borrow from the library). I was so impressed when someone introduced me to Amazon and I could get them cheaper 🤣! Now-SC would definitely have been looking at second-hand options though!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
South_coast said:Uni-SC also started off life buying textbooks from the bookshops in town (needed for a whole semester, so not feasible to borrow from the library). I was so impressed when someone introduced me to Amazon and I could get them cheaper 🤣! Now-SC would definitely have been looking at second-hand options though!
Excited to hear about your "new" flat plans.Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20175 -
Dry January has a lot to answer for! Not only have I just been screened out on Norstatpanel for not having had a drink in the last two days (🤦♀️ - now 2 coins away from £10), but I keep having bizarre and very detailed dreams. Last night's dream saw me fretting about the layout of my new kitchen. Woke up with a satisfied feeling that I'd cracked it - except that's not my kitchen at all 🤦♀️🤦♀️🤦♀️! The main point I was pondering was how to deal with a doorway that isn't there, that leads onto a rear lobby that isn't there, that leads to a downstairs loo and back yard that aren't there! Apparently my befuddled sober subconscious thinks I now live in a house 🤣 I was also trying to take into consideration a dog I don't have (although I did at least recognise the name, it belongs to some friends of BF's - never met it though 🤦♀️)
As a consequence, woke up 2 hours early and couldn't get back to sleep - and I still don't have the perfect kitchen layout 🤣!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!6 -
That’s brilliant! 😂 Just shows that alcohol is dulling your creativity normally!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 Hemingway6 -
Apparently giving up alcohol does make you dream more: https://www.insider.com/quit-alcohol-things-that-happen-to-your-brain-body-2022-1#speaking-of-sleep-you-may-have-vivid-dreams-or-even-nightmares-at-first-22025 decluttering: 4,011 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 344🥉🥈🥇💎🏆
Big kitchen declutter challenge 113/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
Great, so they're here to stay 🙄 I tend to dream quite a bit anyway, and they're always completely random (once had a very erotic dream about a colleague I had ABSOLUTELY no desires towards 😬 - the things he was doing to me 😳!), just would be helpful if they helped me in some way, like actually working out how everything is going to fit in my kitchen 🤣!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5
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