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Here’s where the story ends…
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I also always come back from a trip away thinking I need to declutter moreskint_spice said:Back from my holiday and I was ever so happy to spend a night in my own bed! Had a lovely time, what’s not to like in Italy - fab food, beautiful scenery and friendly people.
I have been reading A Year of Living Simply and now convinced I need to get rid of lots of stuff, let’s see how that goes…
Still have some money left so that’s good😂
I am single but buy a corn fed FR chicken every 4 - 5 days - I roast it in my halogen and it makes at least 4 meals plus I always make a stock in my PC for soups or stews etc
I think it’s a cheaper healthy good for environment way to eat chicken
I always thank the chicken as well before cooking it
italy is always amazing - the food !!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#latest2 -
Another mortgage payment and £500 OPed, I was so looking forward to getting into the 30s and now I’m thinking the 20s will be good. I think I need to appreciate where I am!
Not many hours to work today so hopefully I’ll catch up on the huge washing pile.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Well done on the OPAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
It must be so tantalising to see those front digits tick down through single digits, I can understand why you would want them to go faster! But you are doing well 😊 With savings, at what point will you become mortgage neutral? Maybe that could be an interim goal?
Hoping you haven’t disappeared under the washing … 😉😂
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
Thanks SH and KK, I have actually used up my 20% OP allowance which is great as I have never done that before! It resets at the end of this month.
I managed to get lots of washing clean and dry yesterday but it’s all on the dining table so that needs sorting out today.I have to go do something upsetting this morning, too outing to put on here so ironing this afternoon might be a welcome relief.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Hugs for the upsetting task. Hope it happens smoothly and swiftly and you recover your equilibrium long before you go to bed tonight x
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
So in not very money saving news I bought a kitten😂 it should save me a fortune in food and drinks though as she seems to like falling asleep on me and obviously I wouldn’t dare move her😂 meet little Miss S
Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)11 -
Gawjus, what a sweetie 😻2
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Such a wee sweetie. My MIss S says purr purr.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.2 -
She’s very vocal, lots of chatter over here😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”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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