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Next steps; grip-relaxing bimbling, and avoiding the temptations

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Comments

  • Watty1
    Watty1 Posts: 7,782 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done getting that letter off.   These things can be such a mental worm until done.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,670 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I feel like sugar was needed to get through the adrenaline of that final!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • Makingabobor2
    Makingabobor2 Posts: 4,584 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Yes indeed, it certainly is. And as they say, growing old is a privilege denied to many. Enjoy every day. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,424....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £1250/£3000
    .

    Studies/surveys Feb....£6.44

    Decluttering items 1402/
    2025.  80/2026
    Books read    23 in 2025.  2026- 4 (target is 52)  
    Jigsaws done  20 in 2025.  this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Suffolk_lass
    Suffolk_lass Posts: 10,866 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Five jars of (River Cottage) Blackcurrant curd, made. Ideal for blackcurrants that were frozen with their stalks and a few leaves. It is delicious, if I do say so myself. Supposedly a short shelf life but ours kept for months in a fridge, unopened - sublime on Greek-style yoghurt.

    Speaking of which, we are running out. Not a bad thing as it confirms we are eating more youghurt than ice lollies (I buy the 100% Valencia OJ ones). I feel the need to say that because I downloaded a barcode scanner, recommended over on the Grocery Challenge and wanted to see just how bad our cupboard contents are. To be clear, I think I know what a highly processed foodstuff is, and we are as susceptible to the occasional UPF treat as the next person (we don't by the pop-crisps in a tube, though) - I was interested in the standby products on my shelves, eg the tin of rice pudding, the carton of ready made custard, the tin of soup/baked beans/fish or the pack of spices, things to be ground up and a sachet of concentrated sauce, combining for a particular curry when you I can't be a**ed to make it from scratch, or time or fancy are a factor. It was no surprise that Worcestershire sauce was marked down (the number of ingredients is a clue) - an occasional seasoning here - or the branded mayonnaise (occasional dollop or a tablespoonful in a dip or with raw veg to make my own coleslaw). Pickle was a bit of a surprise, and of course it is the only bought condiment, having made Pam's Piccalilli in Autumn, I have two and a bit jars left (it's fab in a sanger, but these are a once in a while lunch) - and none of my HM preserves have bar codes. The scanner also thinks Baking Soda is a laundry product (not here, it's not!).

    I shall weigh myself shortly, fifth day of my conscious eating, I am hoping a bit of the Christmas err, stuffing, has begun to leave my waist (tight waistband on my jeans was the nudge I needed). I am too tight to go up a size after donating!No more 5 sizes of clothes for me in my wardrobe (or at least, there won't be after I have been through the hanging stuff in the shuffle in space where they lurk. Frozen cod fillets were baked and eaten with steamed veg last night. Very virtuous but a dozen small cubes of cheese were consumed with celery mid-evening as a dessert. It could have been worse.

    Ahead of the date reaching the end of January (still a week away from my pension) I've also been through the credit cards and popped them in the spend tracker - about £220 less than January, and I have some unexpected items in the bagging area statement - like my friend's accommodation for two forthcoming bee related things we are going to. Once reimbursed I shall earmark it carefully so I don't spend it. I could pay it off early but I prefer it in my account, for Justin…

    Have a good day all, whatever you are doing or have planned

    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • Watty1
    Watty1 Posts: 7,782 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    The UPF is something I've been thinking about lately. In an effort to reduce grocery spend we collected a couple of TGTG bags - I know I use meal boxes a lot due to mental state but I wondered if the TGTG bags could help balance that out and, well yes, they could but they were so processed that I realised there was very little I would eat there by choice. It was an interesting experiment but we decided not one we would repeat.

    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Suffolk_lass
    Suffolk_lass Posts: 10,866 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I used to do that at my local Morries @Watty1 but I think others need it more than me at the moment, and there are some availability/supply chain issues so have not shopped there much recently. I used to go in and ask if I could have one that was heavier on the F&V which they never minded

    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
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