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Follow the Yellow Brick Road 2023

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  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Over-ate and under-exercised at the weekend, but I am back on track now (I was slightly worried).  I'm getting my steps in everyday and it really seems to be helping physically and mentally.  Good to start feeling a little bit of space in my clothes too.  I've no other huge stresses in my life at the moment so now is as good a time as it will ever get.

    Another trip to MrL later to use a coupon for a free loaf of bread - will do that on the way home - so just a brief detour.   I seem to be constantly popping to the shops lately - doesn't help that I have three favourite shops and get different things in each.  MrA didn't have my coffee pods in Sunday, nor yesterday, so it looks like a call to another supermarket is needed - probably MrM on my way home from exercise class later.  I've just  created a list of essentials for each supermarket I use and will make sure I use it in future - and will buy in bulk!

    Another hot day, stay cool everyone.

    Sandy x
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oooh, good idea about the list of specific purchases per supermarket - i shall be robbing that idea 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are feeling better in yourself Sandy.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Glad to be of help Kajikita, help yourself :smiley: 

    And thanks Savingholmes, I really am feeling much more positive right now - a cloud has lifted :smile:  I think it all started with me beginning to say no to taking on too much.  I'm still busy, but no longer frantic!  I've learned that you have to stick up for yourself to look after yourself - then the rest seems to follow.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Eeek at that weekly food shop. I've spent money like water this weekend though so have no room to talk... As you say, hopefully it will balance out with other weeks... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I know savingholmes :blush:.  To be fair a big chunk was M&S as we had company yesterday - so its some entertaining budget and there were loo rolls for a couple of weeks and coffee.  But I do need to keep an eye on it - especially as the cupboards and freezer are starting to feel a bit full.  I think its because I've been nipping to the shops so often and have tended to pick up extra items 'just in case' -  my new shopping routine should help. 

    On the other hand we are eating so much healthier than ever before, and we are sticking to smaller portions.   

    Pleased to report I have read over one third of my first book.  Just got to keep going and work my way through the other 17 too.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely refund on the water.

    Well done on reducing the shopping trips - I think I took them all up this month!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks @savingholmes it really was an unexpected bonus, I'd forgotten all about the annual review.  The water use should be slightly down again next year as this will be the first full year of just the two of us.

    I'm over the moon with my shopping trip reduction.  Another click and collect yesterday - took me minutes to pick up the shopping from Mr Aa (and no substitutions).  Its twice as good because as well as time saving I'm not tempted by the special offers that I really don't need.  Afterwards a quick call into my second fave shop which is so much smaller - and not as exhausting to walk around -  and my whole weeks shopping took less than 30 minutes across the two shops - it normally seems to take a whole afternoon.  MrShores and I are creatures of habit, which makes it so much easier - with no little Shores to cater for on a full-time basis its much simpler to plan for the week.

    With much of the cleaning and tidying done I'll be spending a bit of time in the garden this afternoon :smiley:
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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