Daisy's Debt-Free Diary
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!
Pinching Pennies
Options
Comments
-
Good luck for your presentationAchieve 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 29/7/251 -
katsu said:It's not big saving but last year you mentioned student Amazon. Can you just cancel it? You'll buy less from them if you don't have prime.
—
I was so nervous about my presentation today. I thought I was going to have a panic attack and as soon as I was in the room I calmed down. So weird how our bodies work isn’t it? I think it went really well and I tried my best so will see what grade I get in a few weeks. It was the last assessed task of the year so I’m classing that as Y2 officially being over haha! So glad I’ve made it through.
—
wasn’t planning on spending anything at work but I forgot we get extra discount for payday weekend so I did a top up shop which totalled £19.02.Spent £19 today on petrol/parking & a celebratory pint after my presentation. All in moderation.Aiming for tomorrow to be a NSD - haven’t got much planned, think I’ll take it easy and tend to my veggies and FINALLY go for another run. I’ve put C25K on the backbench since stressing over this presentation. Looking forward to getting back into it1/29lbs lost
CC1: paid off!
CC2: £654 (0% until Jan 2026)
CC3: £2547 (0% until Dec 2027)1 -
Well doneI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
NSD today, hopefully the same tomorrow.Plan for tomorrow:
- clean the house
- change the bedding
- check on plants (lettuce is coming along lovely!)
- fill up screen wash for car
- go for a run1/29lbs lost
CC1: paid off!
CC2: £654 (0% until Jan 2026)
CC3: £2547 (0% until Dec 2027)1 -
daintydaisy - Do you have a microwave? Baked potatoes can be done in there in much less time. It depends on the size of the potato but usually mine are done in about 10 minutes. I do five minutes, turn it over and do another 5 minutes.1
-
Congrats on completing year 2.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 29/7/250 -
weenancyinAmerica said:daintydaisy - Do you have a microwave? Baked potatoes can be done in there in much less time. It depends on the size of the potato but usually mine are done in about 10 minutes. I do five minutes, turn it over and do another 5 minutes.
We don’t actually! We’ve been without one for over a year now and don’t miss it. Although I do agree it would be handy for jacket potatoes haha!
savingholmes said:Congrats on completing year 2.
one final lecture to attend tomorrow about the dreaded dissertation and then I’m finally free.Went for my first run in what feels like forever and I set a new PR! Feels good to be back at it.
NSD today. Now to have a shower and tidy the house 😊 I feel like a new woman after having the stress of uni lifted off my shoulders.1/29lbs lost
CC1: paid off!
CC2: £654 (0% until Jan 2026)
CC3: £2547 (0% until Dec 2027)2 -
Spent £22.49 today on parking & a top up shop today
Don’t know how I’m going through food so fast - I bought milk, bread, chicken slices and some yoghurts and fruit. Starting to think I’m the problem and I need to stop eating as much 🤣
so that totals £41.49 spent this week and leaves me with £50.51 for the rest of the week. Hopefully shouldn’t need to go back to the shop for more food but I might need to fill my car up so that’ll be £10. We’re at a gig tomorrow so think I will give myself £20 for that.Last lecture today so now I’m officially finished with year 2. Got a lot to do during summer if I want to go into Y3 with some sort of preparation. I’m looking forward to having a bit of a break too
off to see the in-laws tonight. Hope you all have a good day!1/29lbs lost
CC1: paid off!
CC2: £654 (0% until Jan 2026)
CC3: £2547 (0% until Dec 2027)1 -
WEll done on the end of yr 2I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Hope the in-laws treated you wellAchieve 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 29/7/251
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 177K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards