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Loving the pics and a £1 OP sounds like a fun and addictive habit..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#latest3 -
Thanks LWAP, I don’t plan on Oping £1 often though, I know some folk love a Tilly Tidy but not for me😂 I just wasn’t keen on sending much in case I had the details wrong😂Mortgage OP 2025 £6000/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,680
2029 Holiday fund £356/7000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
“Lovely arty shops with big price tags” are always my downfall too! 😉😂
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £223 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.5 -
My friend said she loved my top yesterday and asked where I got it - ehhh Vinted 😂 it was cool that she laughed and said well done. There really is no stigma these days which is better for my pocket and the environment. The fact l had originally gone on to suss out what price I could get for something I was selling is another thing entirely 😂😂😂Mortgage OP 2025 £6000/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,680
2029 Holiday fund £356/7000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Sounds like you were restrained in the art shops. Glad you enjoyed time with your friend. Enjoy your trip out tomorrow.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 6/7/252 -
Had a lovely day out, El says hello back Beanie! Came home and finally made my Lego sunflowers that a friend gave me a couple of weeks ago💗
Booked a wee city break with a friend for next week - yikes, soon! So looking forward to that.
I was going to claim a nsd but the break will cost something, awaiting confirmation though so probably will pay tomorrow 😂Mortgage OP 2025 £6000/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,680
2029 Holiday fund £356/7000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Glad you had a good day
Lego sunflowers soud fab. Oooh enjoy your city break. 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.3 -
We went to an art gallery at the weekend, we took DD and she refused to bring a coat because there was blue skies out and it is nearly May so it should be warm. I did try to explain that's not how the weather works but she was insistent. Anyway it was !!!!!! freezing here too and also the blue skies turned to downpours and DD had only a long sleeved cotton top on. She had to spend her pocket money on a new hoodie in the city as I refused thinking this was a good lesson
...annnnnd the art gallery was all closed off. Everything was in boxes whilst they refurbed so a wasted trip really, and not sure why they were still letting people in. We ended up at the museum instead and DD thawed thankfully....where is Spring eh?! MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
4 -
Picture of your model?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 -
Which model?savingholmes said:Picture of your model?Mortgage OP 2025 £6000/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,680
2029 Holiday fund £356/7000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1
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