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Pay off mortgage and start having even more fun 😁

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  • South_coast
    South_coast Posts: 5,880 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    P.S. Or on Vinted! Can't believe I forgot that one 🤣🤣🤣
    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!!!
  • newgirly
    newgirly Posts: 9,343 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi sc, yes maybe 😊 that’s kind of the idea of moving his equipment and giving it and the work to someone else, so maybe in the future he can start doing it again. It would be suitable for that sort of thing, and items people may actually want rather than tat I’ve tried to make , I’m not very artistic but can sew books 😬

    Yesterday he was trying to help arrange them moving some of the equipment to the new premises and a few bits of ours that he’s giving away. The guy taking it is not exactly pro active and has not offered to pay to move it yet. I don’t think dh can bear to have to pay to scrap it though (needs specialist equipment to do either) so dh and I have had words 😳 If this guy wants the work and machines in exchange for dh being able to pop in and work from there when he wants then he needs to get organised I say, end of the day it’s up to dh though. There was also talk of leaving it in the factory after the move if he’s not ready which I strongly oppose, we need it empty and newly decorated to rent it. This moving is getting a little stressful lately 😳 Today he is off to discuss a job offer with the best company in his trade in the country, he’s already said he’s defiantly not working there but they may want him to continue a little work he currently does for them but privately. 

    I’m other news my grocery budget is running out 😩 I don’t know what’s going on? Were we actually spending far more than I realised before perhaps or have I got lazy… Dh has been eating well on whatever m@s have yellow stickered when I visit 😆 as I go a couple of times a week first thing in a big store there’s usually a few different bits, I don’t mean ready meals or prepared veg as that’s still dear, but say half price chicken in a foil tray dishes, posh burgers,  sausages, fish in breadcrumbs etc. items are still usually under £3 and I eat things like salad then cereal or picky plates with olives, feta and veg sticks with bread so it’s not steak and caviar. I don’t buy crisps, biscuits, cakes , icecream etc, as I can’t be trusted so I don’t know where it’s going really or is  £10 a day out of touch now? I have blown extra this month in dds birthday I suppose, some Prosecco and cakes, plus a got her some of that liquid coffee and bought her, SIL and I all those strawberry sarnies , that’s probably not helped 😆
    I guess I’ll keep tracking and see if it needs to be upped a little, hopefully not though, I feel summer is dearer than winter (I’m not growing anything this year) as I’m more likely to batch cook hot dinners in the slow cooker and I think they are naturally cheaper types of food. 


    MFW 67 - Finally mortgage free! 💙😁
  • themadvix
    themadvix Posts: 8,768 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I think feta and olives (especially if from M&S) and £3 for the protein element of one meal is going to add up to quite a lot NG - depending on how much you’re eating of course. We manage pretty easily on £300/month (which I assume is what you’re budgeting?) - haven’t yet run out (and usually have some to save for entertaining) and in the summer with the allotment it’s half that. (And it’s nearly all organic/bought from independent shops, so not as cheap as cheap supermarkets) But Mr MV doesn’t eat meat very much at home (although we’ll have fish at least twice a month). I think picky bits is probably more expensive than you realise! (And are you getting the nutrition you need from it?) Will DH eat veggie meals? Cooking meals you will both eat should definitely save you money. 
    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


  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,595 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    newgirly - I don't know if £10 a day is out of touch, but I do know it's jolly difficult to stick to now, irrespective of whether you're shopping the 'discounters', or YS'd elsewhere - it's hard work to consistently meet budget.

    I'm glad you mentioned not buying biscuits, cakes and ice-creams - it's entirely the reason why I try ever so hard not to buy them; if they're here, I eat them 😔But it bit me on the bum this week, as there was nothing 'nice' for visitors.  It's a dilemma ☹️

    Keep on keeping on though - at least we're all talking about it and gaining ideas and support from each other, or even agreeing that costs have increased.  We're not alone, others are encountering the same thing at the till.

    Greying X
    Pounds for Panes £7,305/£10,000 - start date Dec 2023
     
    Grocery Spend August 2025 £94.78/£300 
    Non-food spend August 2025 £3.75/£50
    Bulk Fund August 2025 £0/£10 
  • Watty1
    Watty1 Posts: 6,835 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    My budget went south when we started having what we call "picky bits" for M and S stores.  They make for a lovely evening meal on a hot day but I realised it was tearing through my budget, so will need to rethink this as the stress levels around the house drop.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • South_coast
    South_coast Posts: 5,880 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    If you're shopping daily then I don't think that's helping either, as you're not getting the gains from planning a full week of food. Rather than buying one meal's worth of chicken for under £3, you could buy a whole chicken for £5(?) and get loads of meals for DH from it with a bit of planning 
    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!!!
  • KajiKita
    KajiKita Posts: 7,700 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Make your own 'picky bits'? So maybe a pasta or rice salad that you could eat alongside other things (e.g. grilled halloumi, hard boiled eggs etc.) for a couple of days each? 

    Perhaps we could understand more about what 'picky bits' are? 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Watty1
    Watty1 Posts: 6,835 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    suddenly i feel totally extravagant/wasteful with my "picky bits"   which at the last outing was a tub of potato salad, a tub of coleslaw, a box of ready chopped up salad, some cold meats (beef and ham) and a little tub of chickpeas in garlic, some hummas and a couple of sausage rolls. Admittedly it did us for a few days but  I'm not even going to mention the bill just shuffle off in shame. 
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • TallGirl
    TallGirl Posts: 6,222 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I love a picky tea as well and we have an M&S petrol station very near us. We try to limit ourselves to when there is a TooGoodToGo bags. Only problem is when they just contains the sausage baps etc that has not been sold on the BP side those are not nice and you often get 4 and that's it. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

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