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Here’s where the story ends…

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  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    skint_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 also always come back from a trip away thinking I need to declutter more :) 

    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#latest
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the OP
    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 6/7/25
  • KajiKita
    KajiKita Posts: 7,565 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 3 June at 6:54AM
    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 … 😉😂

    KK
    As 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 38 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 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. 
  • skint_spice
    skint_spice Posts: 13,396 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,565 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hugs for the upsetting task. Hope it happens smoothly and swiftly and you recover your equilibrium long before you go to bed tonight x

    KK
    As 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 38 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 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. 
  • teapot2
    teapot2 Posts: 3,529 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Gawjus, what a sweetie 😻
  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • skint_spice
    skint_spice Posts: 13,396 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    She’s very vocal, lots of chatter over here😂
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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