We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
So close, we can smell mortgage freedom!
Options
Comments
-
Glad the physio is helping.
Well done on the allotment. £85 for the rotavator sounds great too. Good luck with the solar sale.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 29/7/253 -
Pleased to hear the physio has worked their magic.
We don't have our heating on overnight I would end up way too hot, we only have it set for 15 C at bedtime.
I too have made soup for tonight, curried pumpkin & coconut 😋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 family4 -
Morning all,
Thanks @savingholmes and @Baileys_Babe re physio - it still seems better this morning, so fingers crossed! i'm hoping to get back to the exercises from the physio later and am keeping heat on it as much as possible (which is no hardship as the heating hasn't pinged on yet - it can't be that cold).
@Baileys_Babe that soup sounds delicious! We had a less soupy version for dinner - sweet potato and spinach daal. There's soup left for lunch today and daal left too - either for dinner tonight or, if we venture out to use our voucher, for dinner tomorrow. The daal was really good - I've saved the recipe for future reference. Will need to make some more garlic flatbreads (or naans, but the flatbreads are quicker and cheaper) to go with it.
It's absolutely chucking it down here, which is putting me off going out to get the milk we need - only a couple of cuppas' worth left!
Still haven't made that birthday card for the five-year-old - I was tempted to buy one as his birthday is tomorrow, but have realised it's a strike day, so there's no rush to get one in the post.
MS things
* The temptation for takeaway was real last night, so pleased I found the motivation to make some dinner - and it tasted way better than takeaway would have
* Clicks done - 80p up on HW today.
* Yesterday was a NSD
* Mr MV is WFH today, so less electricity on car (just as well as doubt we'll generate anything in this gloom) and no spend on lunch (as no Olio last night for free lunch food)
* Pay from Cambridge allocated to a small cc bill (using this pay to keep on top of the bills is really useful)
* PB withdrawal arrived, so money sent to LISA for this year's investment (not the whole £4k) and to VG for pension (not invested yet - am going to drip feed it a bit).
* £1.20 TT to savings
Gratitudes:
* I'm sure our reservoirs need the rain
* Lap cat most of yesterday evening
* Meetings went well yesterday afternoon and I have project ready to crack on with
Have a good day all!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 -
You're right, some of the externals are really similar! Here's hoping the rain gives us some 🌈 later on2023: the year I get to buy a car5
-
And so the circus in Westminster continues... but at least that bloody awful woman has gone....
I did like this, typical poor journalism from the BBC, but quite impressive if it's true - I know they fall asleep sometimes in Parliament, but I expected someone would notice if the PM had died! 🤣🤣
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 Hemingway9 -
In MSE news, the rain stopped so I've been and bought milk (20p off courtesy of Coop card) and 3 small pots of reduced Yeoghurt. I'll use some of this to make the flatbreads and we'll have the rest as dessert (there's a tin of peaches in the cupboard for such an eventuality). Also received a till spit for 50p off chilled pizza or garlic bread - will hold onto this for takeaway-avoidance nights.
Has anyone else been invited for an absolutely terribly written YG survey about banking? Half the words missing, tiny text boxes, stupid questions (why did you give this rating?) and one page where none of the questions had been filled in on the drop downs at all! I gave up - it was making me too cross!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 Hemingway7 -
Nope, I haven't had a YG for several days - I'll give that the once over if I see it, sounds dreadful!
I thought Canning was the one who got run over by a train - but that was Huskisson, a few years later, in 1830. Poor old Canning died of pneumonia, apparently.
Loving the concept of takeaway avoidance nights 🎈🎈🎈2023: the year I get to buy a car5 -
Good ol’ William Huskisson, fell off the train! Love a bit of 19th century industrial/political history!
Takeaway-avoidance aka cba to cook but just about enough willpower to walk over road and buy a couple of pizzas and garlic bread and shove them in the oven! It does work though sometimes. No point keeping them in the freezer as a) it’s not big enough and b) they’d just get eaten at the first vaguely lazy opportunity!
None of that tonight though, off to Zizzi’s with our voucher and going for a wander round the market town first for some steps and change of scenery.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 Hemingway5 -
Afternoon all,
Had a lovely date night last night (food was a little bit meh, but I'm glossing over that), but we were quite shocked at how dead everywhere was. Zizzi's was little more than vaguely populated - maybe 8 tables in the time we were there - and we saw lots of virtually empty/entirely empty restaurants too. It's not surprising really, but it's Not Good. £20 spent on top of voucher including tip - felt we had to be generous with this as we can see redundancies coming the way of waiting staff soon.
Today, I've had a Cambridge meeting, done some work for my client and popped to the Evri drop-off to drop a return off and pick up a parcel (new shrug, after wardrobe clear out - looks just right). Finally got my finger out and made that birthday card, saving the cost of buying one (and the guilt of not sending one). Clearly I timed it just right as it's now chucking it down.
Lunch will be the last of the Cranks' tomato and lentil soup and a couple of Ryvitas (I had breakfast late in an attempt to limit calorie intake after last night - having calories listed on the menu is rather off-putting!). Dinner will be leftover daal, with flatbreads (which I need to make).
MS things:
* HW done - £2 today
* Clicks done
* PA surveys done - a sign up for an ongoing one and a tiny other one
* Need to submit Cambridge time sheet - want to do a little bit more on that first
Gratitudes
* Lovely date night
* Avoided the rain
* Both my new clothes purchases have arrived and are lovely
* Looking forward to posh dinner out tomorrow with in-laws (courtesy of Amex Platinum - and they've invited us to join them at the St Pancras' champagne bar for a drink first(Suspect we won't be seeing any of the quietness we saw last night)
Have a good afternoon all, Happy Friday!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 -
Sounds one extreme to the other with the two meals out. Have fun. I wish I enjoyed that kind of thing but doubt I'd cope with the crowds.
Love your gratitude list.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 29/7/253
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards