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Mortgage free in Forever Home :-)
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I.
Am.
A.
Blithering.
Idiot.
….
Get up bright and early to get a wash through and onto the line, a calorie controlled breakfast down my neck, with bed stripped and next load in to the machine and out the door, all by 7.30am, to get to my eye test. Traffic was ridiculously light - half term I think - so as I approach the market town I was having the eye test, I’m thinking well, I can pay for four hours, get in the supermarket now and do my mini shop before the test and then look for a new top for going out on Saturday night … that will be a lovely morning….
Then I notice ….
No handbag.So no cards, purse, phone etc…
Sigh …
Used the loo in the supermarket and drove home again.
🙄
KKAs 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: £243 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.7 -
@KajiKita cut yourself some slack! After everything that's happened recently and the issues it's brought to the surface, this is a small speed bump. A reminder perhaps to take care of yourself? You are truly fab; please never doubt it. Love Humdinger xx3
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You are such a good and sensible ‘mum’. Could have done with one of you when I was wee … 😉f0xh0les said:Enjoy this time to do all the things that you were not able to do when you were working. If you were still there you would be setting off in the dark, and getting home in the dark, so meet up with friends, sow your seeds, go to the cinema or theatre in the afternoon. Guilt-free!
The recruiters are excited about you and their commission. You won't be without work for long, we all believe in you (sending more mad Kate Bush dancing).
I have that puritan guilt about not being 1,000% focused on the job search, even though logically it is pointless … I need to do something positive, nice for me and encouraging for my soul tomorrow methinks.
KK
Ooh I like the Hori Hori. Seems like a japanese version of a swiss penknife but much more womanly! I may get one but feel like I'd need one with the leather sheaf so I could wear it around the garden - I have a sort of indiana jones hat somewhere too.:)
Flowers, dinner cooked, what's not to love.
I've been there @KajiKita turning up for shopping without the means for payment. Felt wonderfully light, free and smug virtually skipping out of the house only to realise on arrival that no phone (so therefore no money). You're not alone
"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Happy belated birthday ! Sounds lovelySo sorry to hear on the handbag - especially given the start of your day - do they have cctv in the loos ?Don’t beat yourself up - these things happen. You were doing a lotYour cooking is getting inspired - the bean burgers I will try
what’s the mix of cottage cheese to eggs please ? And is that all apart from salt pepper and shallots/lentils to taste ??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#latest3 -
LadyWithAPlan said:Happy belated birthday ! Sounds lovelySo sorry to hear on the handbag - especially given the start of your day - do they have cctv in the loos ?Don’t beat yourself up - these things happen. You were doing a lotYour cooking is getting inspired - the bean burgers I will try
what’s the mix of cottage cheese to eggs please ? And is that all apart from salt pepper and shallots/lentils to taste ??
My cooking is not inspired! It’s bodge it and splodge it! 😂
150g cottage cheese (I buy the smaller 300g tubs as I don’t like the sour taste it gets when it’s been open a while.).
One large egg - I beat that (in the mini, rubbery, cooking half ‘tin’ for use in the air fryer) first before adding the cottage cheese.50g lentils / small finely chopped shallot180C, c. 15 minutes for a gentle set.And yes, atm, that’s all. Happy to hear of any other interesting taste riffs you come up with 😊
Thanks @humdinger 😊 Not sure about cutting myself slack, but I have made myself a cuppa and rebooked the appointment 😉 (No stupid tax free for missing the appointment - they just laughed at me a little - happy to take that! 😉)
@sandyshores - I think Hori Hori’s come with a leather sheath … 😉😊
KKAs 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: £243 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.4 -
Belated happy birthday
We've all been there with forgetting our bag/phone
Still plenty of today left to gardenMortgage at largest £280050 with MF date 2038 - current in the £160s whoop whoop1 -
Ah I read it you’d left the handbag in the supermarket loos- ! That’s good news then nothing lost ..
will try the egg thing !My current passion is the Kashmiri chilli spice - it’s like a sweet not too hot chilli powder - almost like a tastier slightly spicy paprika - am adding it to everything inc pan fried mushrooms - my DN is now obsessed with my mushrooms and kept trying to get something similar on holiday in lots of restaurants but my version is apparently untouchable - basically v slow cook mushrooms in butter/oil and half way thru add the Kashmiri to taste and bit of salt pepper - have them on lowest heat
I often serve them on top of a bolognaise sauce (as opposed to mixed in)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#latest3 -
I blame the calorie controlled breakfast. I could literally walk out of the house without shoes when I am dieting. I forget phones/ wallets / car keys / pack everything into my bag and leave the bag by the front door.
Shout 'Plot Twist!' or 'Surprise!' and make a new plan for the day. The Universe said 'no' . Maybe there was just someone you didn't need to bump into today / something you didn't need to see.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******4 -
I have both got to the point of paying and realised I've left my handbag in the car, and (different occasion, different supermarket, fortunately 😬) got to the self-checkout, realised I'd forgotten something, got back to the checkout and had the man overseeing them pass me my handbag - I'd put it down ready to start scanning and just walked off without it 🙄🤦♀️!
So you are definitely not alone! And at least you didn't have to try and shoehorn the new appointment into a busy work diary 😀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!!!2 -
All been there on the handbag thing...Achieve 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 29/7/252
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