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Swayingseaweed
Swayingseaweed Posts: 99 Forumite
100 Posts
edited 28 September 2023 at 8:24AM in Mortgage-free wannabe

8) Try not to get to wrapped up getting rid of the mortgage and live a little too.

Seaweedx

«13456717

Comments

  • Welcome :) these sound like good sensible plans
    #19 Make £2025 in 2025 £8.32/£2025"Remember not to do too many things at once" said me to herself.Mortgage Free Wannabe #25 2025 OP £500/£6000
  • Love this time of year when you can plan what to grow and get started! All the best with the aubergines.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Some of those face masks are actually quite miraculous, I  had a Korean one I used on holiday and everyone was amazed at the difference.
    Some great focus and plans here
    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#latest
  • Exciting times in the garden seaweed! I need to get my bum in gear with this years crops. 
    Good luck with the frugaleering. Have you had a benefit check? You mentioned making sure you are claiming everything you can 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • northwalesd
    northwalesd Posts: 1,316 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope that stream was nice n calm Seaweed  :D
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck on your journey.

    Great weight loss. 
    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
    I think when you first start your journey - it often involves uncovering true rather than imagined spend - which is usually much higher. Hopefully you can get control of your spends as time goes on and than make good progress with your dreams.
    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
  • badmemory
    badmemory Posts: 9,604 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Have you considered contributing to your own private pension.  You can put up to £2880 a year in without any income & get it uprated to £3600.  That thin air could be busy!!!
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Fun fact jelly tots when rolled out with a rolling pin will try to go back to their original shape very slowly. And how do I know this, we're trying to use jelly tots to disguise medication instead of chocolate. YD totally on board with the idea. Meds is a real sticking point for her. We are spending almost £7 a month on chocolate just for medication. She has a very sweet tooth and she is putting a lot of weight on due to teenage rebellion against any form of exercise. So in order to save my back, her waistline and my pocket, we are looking at alternatives. I did buy haribobs but apparently they are a big fat no!. If it works I'll try adult painkillers next as we've gone through almost 2 bottles each of children's liquid paracetamol and ibuprofen at £3.50 each this week. 

    Chiropractors went well, booked to go in another 2 weeks and then it will be every 3weeks after that.

    Right off to finish the housework and make a cuppa
    Seaweed x


    Does she like chocolate? When my DD couldnt swallow tablets I used to cut a small square of bread or toast, empty a paracetamol tablet onto it and add a small dollop of chocolate spread and cover the powder! the paracetamol is much cheaper than the liquid bottles
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We were given a spoon of jam with medicine as kids. Chocolate spread sounds a great idea. 

    Best of luck with the money tree...
    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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