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Holding On and Letting Go 🎈

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  • Suffolk_lass
    Suffolk_lass Posts: 10,289 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Whew, just caught up (but off away again on Monday so I predict I will fall behind again. I just wanted to suggest to @badmemory that the shop-bought bread thing may well be caused by the preservatives/flour improvers in shop bought "packet" bread. I noticed a long time ago that I was struggling with the bloat but hm was never a problem. Even the basic white loaf with dried yeast, salt and butter or oil that was an old Nigella recipe. I buy a sack of flour (25k) either direct from the mill in UK or from Italy via big river. I think that makes a huge difference too
    Save £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 here
  • badmemory
    badmemory Posts: 9,610 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Definitely agree with this, even to the extent that one make of flour also causes me problems - only the one, so won't be buying that again.  I only bought it at the start of covid lockdowns because it was the only one still on the shelves & now I know why.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely update. Congrats on the weight loss. I may need to do something more radical like no added sugar to ditch the cravings - but can't seem to quite make myself do it.

    Pension news all sounds exciting. Best of luck with the planning for all of that.
    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 29/7/25
  • Lovely update. Congrats on the weight loss. I may need to do something more radical like no added sugar to ditch the cravings - but can't seem to quite make myself do it.

    Pension news all sounds exciting. Best of luck with the planning for all of that.

    Thank you SH.  I found this book really helpful - it helped me to understand the science involved.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks - I downloaded a free sample. I may see how it sounds on aud*** and get it on there... 
    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 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to play this weekend.
    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 29/7/25
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope Mr F's feeling a bit better soon with the jet lag and the back pain.  A lazy day is needed sometimes!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I bought the book but just reading rather than following it currently...
    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 29/7/25
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