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Follow the Yellow Brick Road 2023
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All this talk of decluttering reminds me I have a big job on this still
@savingholmes great adviceDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
Thanks LadywithaPlan. Its ridiculous how much I had but how few things I actually wear, and you can tell I wear them a lot because some of them are quite tatty. I've a couple of old casual jackets I seem to wear a lot - fleece type things - I was thinking about replacing the two of them with one new one but then where would the old ones go - landfill? They are usable and I think they are still presentable so I will keep and use them.
I'll try Vinted for the things I no longer wear and use any profits to replace anything that's really too tatty. Almost half of my wardrobe is taken up with coats and jackets so I must donate one or two especially as winter is coming. Shoes need tackling next. I've learned that comfort is key for me, but I've got pairs I just don't wear - I've even got a pair of ugg boots with a hole in! I was going to take them for repair pre-Covid, but 3 years on and I'm not sure I would even wear them again - but I can't bear to landfill them.
I'm planning to put a unit inside my wardrobe which will fit my shoes and bags - but need to remember its not about being able to fit in as much stuff as possible, its about having wearable stuff and being able to find things easily. To free up the unit I need to declutter 1. the home office 2. under the stairs 3. the garage 4. main bedroom 5. landing cupboard - not necessarily in that order.
"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/yoga3 -
Even if you do a drawer at a time it makes a difference. Try not to over-face yourself. Have plenty of breaks.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 29/7/252 -
savingholmes said:Even if you do a drawer at a time it makes a difference. Try not to over-face yourself. Have plenty of breaks.KKAs 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.3 -
I'm enjoying having an amazingly tidy bedroom, and not having to spend time searching through my stuff to find wearable items is timesaving and a much better experience. Have to confess to buying a primarni cardi today, but I know exactly where I will be wearing it first, and after that it will still get lots of use. Bottom of the wardrobe is still a mountain of shoes, and the landing cupboard is still full of items for vinted but I'm still very motivated.
"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/yoga4 -
I went to a US container style store - basically it sells just containers for your house, fridge, wardrobe etc and even bespoke shelving for anywhere.. I was in love with every corner of the shop.. so clean and decluttered - of course you need less stuff to make it look good!DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest4 -
I'm sure someone on here has a quote on their signature along the lines of "Well organised stuff is still stuff" . Better to just have less, then you save on the cost of the containers as well 🤣!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
I like that quote South_coast. I spent many years organising my stuff and hiding it away in built in cupboards and a well designed loft. It was only when we move housed the first time that we realised just how much stuff we had. I now only put stuff in the loft that has to be put away for a reason such as Christmas decorations. Everything else is on hand so its easy to find it (and dispose of it if necessary).
"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/yoga5 -
We've purchased a set of hooks for the garage and MrS finally had time to put them up at the weekend. All the garden tools are now out of the way, and it prompted him to have a tidy and sweep up of the floor. Feels so much better. He's even talking about having a declutter of his tools!
Its interesting hearing about storing clutter away vs just not having clutter. We purchased a lot of shelving units for the garage when we moved in and inevitably they are full - build a shelf and you will fill it! We probably need to get rid of one of the units and instead have another set of hooks for the bikes/sports equipment - stuff that we use regularly but has no proper place to go, so ends up cluttering the floor. An article I was reading about decluttering recommended doing 10 minutes three times a day so I'm going to give that a try starting in the garage - today!
"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/yoga5 -
The 10 minutes three times a day hasn't worked out, but we've scheduled a day this week to work on the garage clutter. I have gifted two old garden items - one collected today and another one should be collected this week. I've been saving a few cardboard boxes (more clutter) to put our painting stuff in, but searching the internet and I've just realised that plastic boxes will be best. Its going to be a long job but will be so worth it in the end."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/yoga3
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