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88% paid for on the mortgage - well done !Enjoy your tripDON'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#latest5 -
Very nice top, love the fabric. My sewing machine is gathering dust, so you are motivating me to clear the decks and get on and use it."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
Only 12% of your mortgage left to go is lovely.
The top looks fab.
Enjoy your break and teaching your DH how to rest/play more.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/253 -
Still Busy 🙄
Mr F's work has slowed down a bit but mine has speeded up 😲 I do any follow up that's required plus the invoicing so I've been dealing with the fallout from Mr F's recent busyness. It's all done now though so I can enjoy the weekend.
We have joined the gym 🥳 The purpose of the business is to provide savings and fun money and, after all this busyness we've earned enough to take a dividend to pay for membership. We're planning a trip to the pool tomorrow 🏊♀️
We are, finally, harvesting produce from the veg patch - radish, lettuce, rhubarb, artichokes and raspberries. My seeds did very poorly this year so i bought some cucumber and french bean plants. However, they were damaged by the courier who had obviously thrown the box around, taken ages to deliver and left the parcels outside in direct sunshine despite my asking for them to be left on the porch 😠 I may have just managed to save 2 of the 3 cucumber plants but I'm not sure any of the 15 bean plants will survive. The plants were delivered in two lots. I complained on receiving the cucumbers and got a refund so now I need to raise another complaint about the beans 🙄
I had a tooth rebuilt this week 😣. We have an annual budget for dentist visits but I think I might need to add a bit to this as we get older. More fillings are likely to fail and need replacing. And teeth (or parts of them) may start falling out as mine did 😲 Oh the joys of getting on a bit 😂
My plan for today is to make the most of the good weather and do some weeding in the veg patch and then to make a start on the painting I've promised to do for the WI County Show entry. I also need to use up last year's fruit from the freezer to make room for this year's harvest - I'm thinking raspberry ripple ice cream and raspberry cordial. We must have had a bumper harvest of raspberries last year as that will use up a fraction of what we froze 😂 I'm not complaining it's a lovely challenge to have.
I'd much rather be starting a new sewing project though. I have lots of fabric remnants waiting for their lives to begin and... I won a competition 🥳 I can order 5 metres of fabric of my choice - woohoo! I'm already thinking of a kimono style cover up and some palazzo pants.
Happy weekend all - I hope it's a warm and sunny one.
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais13 -
Well done on the comp win, plans for the prize fabric sound just the thing for a bit of relaxing in the [hopefully] warmer weather. x4
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Happy Anniversary for tomorrow Fortune and Mr F! Hope you enjoy your anniversary swim! xMortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway4 -
Happiest of anniversaries to you both 💜💙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.4 -
And relax...
Thank you for all the good wishes guys. It was a lovely sunny and dry day in the Shire yesterday so we spent the whole morning in the veg patch which is now weed free and looking fabulous. There are even some signs that the beans are recovering 😁
We had Lentil & Sweet Potato Curry for lunch with naan bread and a tuna and cheese salad for supper including lettuce and radish from the garden. Mr F popped up the corner shop for beer and ice cream as a reward for all our hard work.
In the afternoon, Mr F did some clearing up from his hedgelaying earlier in the year and I started and almost finished the painting I'd promised for the WI County Show entry. I just need to do a little tidying up of the paintwork and it will be done. It's turned out very well and I'm pleased to have got it off my list so quickly.
It's our anniversary today so we went for a swim and spa this morning on our new gym membership and had a sandwich and cake lunch after in the cafe there. We're having dinner in a little out of the way country hotel this evening. It's somewhere we've been before and the food is amazing. Might wear my new top 👚
And that's it for today. It's nice to have a down day and a little R&R.
Hope you're enjoy a relaxing Sunday too.
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais10 -
Happy Anniversary and enjoy your meal this evening x2025 Decluttering 9127⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️4 -
Happy Anniversary and well done on the fabric win - what a great way to dream about a new outfit !Nice to spend money on a gym membership- I went for a swim yesterday- so relaxingDON'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
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