We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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!

Prosperous soul, mortgage neutrality & creativity Year 2

1910121415224

Comments

  • SuperSecretSquirrel
    SuperSecretSquirrel Posts: 1,059 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 11 December 2022 at 11:13AM
    Macaroni milk sounds like rice pudding but with pasta instead of rice... Pasta pudding? 🤔

    I had wondered about it too, but figured it was some well known SW recipe that everyone else knew well!
  • beanielou said:
    What is maccaroni milk?

    I thought it was just me who didn't know what macaroni milk was
    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 family 
  • Humdinger1
    Humdinger1 Posts: 2,394 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Love that expression 'habit cleanse' @savingholmes! A darn good idea...it's scary how habits can creep up I find.  But we're all aware on the boards here znx czm nip it in the bud.  Onwards and upwards love Humdinger xx 
  • beanielou
    beanielou Posts: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Loving the lights  :grin:
    I 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.
  • savingholmes
    savingholmes Posts: 29,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Frost is pretty 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • ruby_eskimo
    ruby_eskimo Posts: 4,802 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Pictures are beautiful @savingholmes - there's something about frost tipped plants that just gets me.  We used to serve macaroni milk as a pudding to patients in hospital (about 10 years ago when we still served them batch cooked meals and not the microwave things they do now) and I've never been able to get my head around it 😂  We had some more insulation added to our loft and can notice the difference with the upstairs now being considerably warmer than downstairs!  Hope you have a nice evening at the pub with your friend.
    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
  • Loving the frosty photos!! 😁
    'Happiness is not a destination but the journey you walk every day'

    Weight loss challenge 2024:
    Start weight: 9st 13.1lb
    End weight: 8st 13lb

    Weight loss challenge 2025: 
    Start weight: 8st 6lbs
    End weight: 

    JSF: £0/£2000

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.9K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.1K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.5K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.