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Mortgage Free Plod

123578

Comments

  • CrazyBee787
    CrazyBee787 Posts: 1,661 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    Good luck on your new targets and all the bst for Christmas and New YearXX
    Goal 1: Apply for benefits.
    Goal 2: Get a lodger.
    Goal 3: Get a regular routine in place.
    Goal 4: On outcome of benefits plan finances.
    Goal 5: Save EF if possible.
  • Thank you so much @RedLipstick and @CrazyBee787. I hope you both had a happy Christmas and were able to recharge the internal battery 💕 

    It has been a really nice Chrismaa for us. We have hunkered down wirh family and friends which was lovely. 

    Spendy spends were therefore very low (for us) this last week at £124. My mum wouldn't accept any contribution to the food, bless her. 
    £71: petrol
    £33 food/household 
    £20 DS monthly allowance 

    Wishing all the lovely MFWs a Happy New Year
    MPHx

    MFW: Journey started Nov 2025. Due to finish Nov 2053.

    OPs: £20

    DC pension pot to target: 22.5%

    Mrs SD's 2026 Declutter Campaign: 🏅⭐️

  • CrazyBee787
    CrazyBee787 Posts: 1,661 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    Thank you MPH, I am glad you had a good time, all the best for New Years, CrazyXX
    Goal 1: Apply for benefits.
    Goal 2: Get a lodger.
    Goal 3: Get a regular routine in place.
    Goal 4: On outcome of benefits plan finances.
    Goal 5: Save EF if possible.
  • Ms_Potato_Head
    Ms_Potato_Head Posts: 108 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    2 mortgage payments down, 322 to go! 

    The past week has been nice but not very disciplined - I have spent tonnes and not stuck to any good habits 😳 

    Spendy spends were £398! Mostly social (day out with DS and brother and have also pre-paid fot a spa day in Feb) but also spent a lot on convenience food: 
    £215 day out & spa day 
    £95 food
    £40 clothes 
    £26 cat food
    £22 school bus & dinners

    Wishing all the lovely MFWs a great week
    MPHx

    MFW: Journey started Nov 2025. Due to finish Nov 2053.

    OPs: £20

    DC pension pot to target: 22.5%

    Mrs SD's 2026 Declutter Campaign: 🏅⭐️

  • carboot_karaoke
    carboot_karaoke Posts: 614 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    2 mortgage payments down, 322 to go! 

    The past week has been nice but not very disciplined - I have spent tonnes and not stuck to any good habits 😳 

    Spendy spends were £398! Mostly social (day out with DS and brother and have also pre-paid fot a spa day in Feb) but also spent a lot on convenience food: 
    £215 day out & spa day 
    £95 food
    £40 clothes 
    £26 cat food
    £22 school bus & dinners

    Wishing all the lovely MFWs a great week
    MPHx
    We all deserve a treat sometimes, at least you know where the money has gone plus, you have something to look forward to next month. 

    All the best for your MFW journey x 
    Current Balance £17,400
    MFW 2026 #31 £5600 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,240 / £5,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £130 / £365

    Declutter 4 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan, 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • Ms_Potato_Head
    Ms_Potato_Head Posts: 108 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    Thanks @carboot_karaoke that is very true 😊 x

    MFW: Journey started Nov 2025. Due to finish Nov 2053.

    OPs: £20

    DC pension pot to target: 22.5%

    Mrs SD's 2026 Declutter Campaign: 🏅⭐️

  • It has been a nice week with the only blip being a car breakdown, but that got sorted quickly. 

    Spendy spends were therefore £470:
    £95 food
    £56 lunch with friends and dinner with mum 
    £39 petrol
    £20 birthday gift
    £16 school bus & dinners 
    £244 car repairs (and resulting taxi)

    Wishing all the lovely MFWs a great week 
    MPHx

    MFW: Journey started Nov 2025. Due to finish Nov 2053.

    OPs: £20

    DC pension pot to target: 22.5%

    Mrs SD's 2026 Declutter Campaign: 🏅⭐️

  • Ms_Potato_Head
    Ms_Potato_Head Posts: 108 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    Another week vanished 🤯 It has been good - a couple of catch ups with dear friends and otherwise low key. Still plodding with the unpacking and decluttering bits as I go.

    Spendy spends: £124:
    £45 night & lunch out with friends 
    £43 food 
    £24 school dinners/bus 
    £12 cat supplies 

    Hope all MFWs are having a good week 
    MPHx

    MFW: Journey started Nov 2025. Due to finish Nov 2053.

    OPs: £20

    DC pension pot to target: 22.5%

    Mrs SD's 2026 Declutter Campaign: 🏅⭐️

  • Ms_Potato_Head
    Ms_Potato_Head Posts: 108 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    Pay day! 🥳 Highlights this month have been:
    • Catch ups with friends - I became a bit of a hermit last year due to various stresses, so it's been nice to go out again with my friends.
    • Reading for fun - I read a lot for my work and study, so generally don't choose to read much for my own enjoyment. That has changed since the Christmas break though and I'm really enjoying reading as a hobby again.
    • My little house - I'm still unpacking! But everything is slowly finding a space and I'm feeling more and more comfortable.

    My plan for the month ahead is to get in touch with the roofer who gave me an estimate for repairs, as I think I'm there or thereabouts with the savings now.

    New savings totals:
    FIRE: £22 -> £44 (lol - I do have pension pots too, thankfully!)
    EF/Roof: £3,002 -> £3,505

    Wishing all the lovely MFWs a wonderful weekend.
    MPHx

    MFW: Journey started Nov 2025. Due to finish Nov 2053.

    OPs: £20

    DC pension pot to target: 22.5%

    Mrs SD's 2026 Declutter Campaign: 🏅⭐️

  • CrazyBee787
    CrazyBee787 Posts: 1,661 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    Well done, Enjoy your little house XX
    Goal 1: Apply for benefits.
    Goal 2: Get a lodger.
    Goal 3: Get a regular routine in place.
    Goal 4: On outcome of benefits plan finances.
    Goal 5: Save EF if possible.
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