Here’s where the story ends…

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  • LadyWithAPlan
    LadyWithAPlan Posts: 2,241 Forumite
    First Post First Anniversary Name Dropper
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    Loving the pics and a £1 OP sounds like a fun and addictive habit..
    There will always be a (beautiful stilettoed) foot in fabulous in LaPlan's life.
    I am choosing to be fabulously frugal to support some wonderful life changing and affirming financial goals including buying a London home I love.

    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’t really hack your way to frugal. You can and should take advantage of discounts, coupons, rewards points, and the like. 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.

    My March  streaks to track
    Track Minimalist game  items (Nov 310)   (Dec  95)  (Jan 90)   Feb 50
    Exercise streak  
    YNAB days:: Target 50 days -Age of money 29
    Track my NSD's - Target 13 days/ 0/13

    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • skint_spice
    skint_spice Posts: 12,688 Forumite
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    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 End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2350/7000

    Mortgage balance: £52262

  • KajiKita
    KajiKita Posts: 3,854 Forumite
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    “Lovely arty shops with big price tags” are always my downfall too! 😉😂

    KK
    As at 15.04.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £253,994, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 18 books of target 52 in 2024 (as @ 10th May)
    Produce tracker: £25.45 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 12,688 Forumite
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    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 End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2350/7000

    Mortgage balance: £52262

  • savingholmes
    savingholmes Posts: 27,507 Forumite
    Name Dropper First Anniversary Photogenic First Post
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    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 by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.1K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • skint_spice
    skint_spice Posts: 12,688 Forumite
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    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 End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2350/7000

    Mortgage balance: £52262

  • beanielou
    beanielou Posts: 90,544 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    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.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 7,205 Forumite
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    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 :lol: ...annnnnd the art gallery was all closed off. Everything was in boxes whilst they refurbed :lol: 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?!
    MAY 2024 GOALS MFW #17 EF Goal 2- £259.70/300 86.6%(EF total £1750.96 - 1 month expenses! )~ NSD 4/15 ~ FOOD & TOILETRIES BUDGET £283.29 / £500 ~ MOP- 0/50
    MORTGAGE BALANCE JAN 1st £99224.13 ~~~ MAY 1st £97,285.47
    https://forums.moneysavingexpert.com/discussion/6496485/buying-a-little-piece-of-middle-england#latest
  • savingholmes
    savingholmes Posts: 27,507 Forumite
    Name Dropper First Anniversary Photogenic First Post
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    Picture of your model?
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.1K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • skint_spice
    skint_spice Posts: 12,688 Forumite
    Name Dropper First Post Photogenic First Anniversary
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    savingholmes said:
    Picture of your model?
    Which model?
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2350/7000

    Mortgage balance: £52262

★ ★ ★ Meet your Ambassadors

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