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Mortgage Free Plod

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Comments

  • Ms_Potato_Head
    Ms_Potato_Head Posts: 108 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    Thank you @CrazyBee787 🥰

    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

    Had a nice week - shopping trip with my mum, met a friend for coffee and had other friends over for lunch.

    Hopefully the roofer can start in about 4 weeks. My bedroom is so nearly unpacked and decluttered. We're getting there!

    Spendy spends in the past week were £237. Couple of pay day splurges in there but all within respective budgets.

    £57 food; £49 personal spends (shopping); £41 petrol; £36 eating/going out: £29 school costs: £20 DS allowance; £10 cat food; £5 team treats after a stressy deadline day.

    Have a great weekend MFWs!

    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
    edited 6 February at 8:50AM

    3 mortgage payments down, 321 to go! AND I've started overpaying! 🥳 Just a £10 monthly standing order for now (I'm celebrating all the small wins) but I'm thinking I'll increase that in £10 increments every time I hit a savings goal.

    Elsewhere, another lovely week. Dinner with a friend and a spa day with my closest friends (spa day paid for last month).

    Spendy spends were £152: £51 food, £29 cat supplies, £27 petrol, £25 going out, £20 school costs.

    Have a great weekend MFWs!

    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: 🏅⭐️

  • RedLipstick
    RedLipstick Posts: 241 Forumite
    100 Posts First Anniversary Name Dropper

    Spa days with friends sounds fantastic, glad you've enjoyed it! Have a great weekend too xx

    Mortgage: £173,700 Sep 22  £157,700 Feb 26

    MF Date: Sep 52 Mar 52

    CC Debt: £15,250 Nov 25 £9,200 Feb 26

    NSD: Jan: 17/31 | Feb: 12/28

    2026 Challenges:

    MFiT-T7 #5

    DFbyXMAS #7

    Sealed Pot Challenge #022

    2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200

    2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200


  • Thanks @RedLipstick 🥰

    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
    edited 13 February at 12:12PM

    Another week has flown by. Extra special because it was DS's birthday 🥰 He's a cracking kid, growing into a fine young man.

    Spending wise, I spent about £300/£400 birthday budget, so have some more treats planned for DS in half term. Otherwise, I spent £210 on variables - including £60 on some vile tasting pro-biotics recommened by a Dr, lol. Either they're good or I'm a fool! We shall see.

    £60 supplements, £56 food etc., £37 petrol, £18 cardi for work, £17 take out, £15 school dinners, £7 car wash.

    Happy weekend MFWs!

    MPH 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: 🏅⭐️

  • CrazyBee787
    CrazyBee787 Posts: 1,662 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic

    It looks like you have only spent on essentials not a bad spend, and everyone needs a new cardi, some more then others. you have to treat yourself sometime. Impressive actually I would love to get my spend down like that, actually the thought of having regular funds has actually made me a bit more sensible, I needed batteries and Allen key in town, and that is all I bought. It was a horrific journey up the hill, never mind. It is done nowXX

    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.
  • Thanks @CrazyBee787 I'm quite lucky that I do enjoy my contented little life and generally don't get splurge urge much. Sometimes I do, we're only human, and like you say we deserve a treat every now and again.

    Traipsing up and down a hill in this weather is rough! Hope you're fully warmed up with a brew now 😊 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: 🏅⭐️

  • CrazyBee787
    CrazyBee787 Posts: 1,662 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic

    Yes, well not a brew I am not really tea/ cofee drinker, but I have a glass of water and I did sneak some chocolate! Feeling much better now. Thank you. By the way the weather not too bad here, it was just a treacherous climb with my overly sized body! Enjoy the rest of your day. BeeXX

    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.
  • CrazyBee787
    CrazyBee787 Posts: 1,662 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    edited 18 February at 1:25PM

    (For outside readers we are giving up chocolate for lent)

    Hi MPH, Have you taken every last bit of chocolate out of the house, how are you managing on day one, you can be honest no judgement. I am going to take over some smarties I have left over to a young girl who lives just over the way, my mum was upset that I forgot to take the chocolate to hers!! Anyhow I will keep the chocolate Nesquik I have left, not much there I will just keep it out of sight, and the cocoa for cakes and hot chocolates has been hidden a way for a bit so no need to move those. There is coco pops which I am off of so I will give those to the young girl as well. Good luck on day one we will be >2% of the way there when today is done with. XX.

    A few minutes later… I dropped off nesquik coco pops and smarties, I decided the nesquik was too tempting! The young girl will be pleased, her mum was happy and wished me luckXX

    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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