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Prosperous & Creative Soul & MFW Year 3

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  • Happy Christmas 🎄 glad you had fun 
  • Glad you had fun and merry Xmas festivities ! 
    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
  • jwil
    jwil Posts: 21,988 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You're making great progress with the decluttering.  I struggle with visual noise as well.  As you get further with the decluttering, if you are grouping like with like, then maybe that might help as you might not need see through storage?  Perhaps knowing that x is stored in x unit might help, so you could check what you had?

    Glad you had a nice Christmas.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK - yes it felt like I'd reclaimed some of my relaxation time.

    One utuber described the stuff in our house as being like 'inventory' to manage - therefore reducing that inventory makes life easier. I used the slow cooker this Xmas but don't know when I last used it before that - but think I'll hang on to it in case there are any unknown issues with the kitchen where I'm going. Seriously debating whether I should keep the juicer however - although it is possible it's already gone. If I still have it - it's in the garage. My cleaner asked me recently if I wanted a bowl and blades that go with my food processor that I've pretty much never used or the related coffee grinder. I couldn't let it go as it was part of the 'set' even though that is illogical. There are other parts of it I use regularly.

    I said to my counsellor recently if I took my clothes, bed, laptop and art stuff - including pictures - and laptop and a couple of glass desk tops - they were my minimum and the rest can all easily be replaced. If that is really true it should be a lot easier than it is to let things go.

    I want to go through a couple of plastic lidded boxes of books that have been in the shed for years - and see if any are suitable for my parents or my sister's kids and whether I can donate any of the remainder to charity. From memory they are slightly older more unusual books that would be harder to replace which is why I haven't quite let them go. In addition to those I have 3 boxes of books on a shelf in my wardrobe that I haven't managed to let go as they are from the 40s-60s (my Mum's childhood) so they feel like historical treasures. My kids had zero interest in them though. I've let some of my childhood books go to my sisters but again - the style of modern books has changed drastically...
    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
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad you had a nice break and saw lots of family.  Good luck with next few days / weeks / months - just keep doing as much as you can as early as you can - last thing you need is a full on panic at the end
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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