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Living Large, on a Small Income, by the Sea.

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Comments

  • redofromstart
    redofromstart Posts: 6,217 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    BYO tea and cakes at the NT place with free entry sounds like excellent value to me. I am still dithering on which one to go to with my voucher. 
  • Skint_yet_Again
    Skint_yet_Again Posts: 9,045 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    It’s good to hear your back is feeling a little better. Hope it’s a lot better soon. Have you thought about trying a mattress topper? Some people swear by them and some of the good people on here may be able to recommend one. Might be a help short term until you can afford a new mattress. 

    Lampshade sounds like a great bargain and glad to hear you are back in good spirits 

    ❤️Mum 2018
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗

    Retired at 55 & now living off the equity £10k a year

    ❤️Dad 2025

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • beanielou
    beanielou Posts: 99,644 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds like a good wee day. 
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • savingholmes
    savingholmes Posts: 29,194 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi DIA - if your credit limit is big enough and you can afford the monthly repayments - I'd go ahead and buy a decent mattress for yourself. It is an investment and should last years. You already have health issues - it is better not to exacerbate them. 

    It was one of the first things I did after my divorce but it was worth it. You may also be over-estimating how much a new mattress will cost. I got mien from Bnsns for Beds but there are also the Swedish shop options.

    As Redo said - the other bedding you are looking at is a business expense. On the breakfast side of things - if you are having regular guests - I'd offer a broader range of cereals. Not everyone eats porridge. You could get a selection of cheap ones from Lid! or get some of those mini variety pack ones from places like HBargain etc. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • jwil
    jwil Posts: 23,495 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you had a lovely day :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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