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Investing in Us: Holidays, Health, and the Road to £150k
Comments
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You've all been super helpful to me, thank you 🙏🏻 💗 even if I'm probably spending too much money and about to spend more. 🙈🤣
I've booked a John Lewis stylist for next week...let's see what they can do for me. None in next nearest town for two months so I'm having to travel 50+ miles to get to it 🙈 so I'm kind of hoping they'll have something for me. Thanks for directing me there though @Watty1 perhaps it will be a nice quick and easy way of finding something that fits and looks ok.
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/247 -
Good idea to book the stylist. Someone else I know used one & it was perfect.
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.4 -
My mum used a personal shopper a few times at Debenhams and she was great. Brought loads of items she wouldn't have chosen that looked amazing. Such a luxurious way to shop.
Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!5 -
Morning everyone,
I'm looking forward to trying something new 🙂 @Bargainhunter30 @beanielou hopefully it will be fun and useful.
My week is slowly booking up. Today we've booked cinema tickets (BL card service seats half the price!) I'm really looking forward to seeing it too, an old childhood fave. We have the hob being looked at tomorrow after DP relented on our stand off over who was going to sort that job out (to be fair to me I tried calling when not at work and they were closed every time). So he took it on. Wednesday I have the therapist booked. Thursday the personal shopper and Friday my new freezer is arriving 😀🙌🏻. Quite excited about all these things to varying degrees and for different reasons 😆.
Nothing too strenuous I hope in all this and I've been wary to book two things in on any given day. I'd really love to do some gardening....I think I will take a trip to the garden centre next week and buy some plants to put out as I'd like them to be established a little by our wedding in 50 days 😁.
Next month I'm debating having a month off OPs to get all the wedding stuff and other small pots sorted. I almost completely erased the pot for cars (I mean it's called yearly fund but basically it was for servicing, MOT, insurance and perhaps a boiler service in there too). Instead I bought a freezer with the money, I don't have any regrets though. The one we have now fits around 15 pizzas stacked and that's it (I've never had that many pizzas in there but just for comparison 😆) so I'm really looking forward to spending a day or two next week filling it with treats and good home cooked meals. I think everyone has missed my cooking (which was nice to know, when kids have it every day they moan and moan, until they don't have it anymore and when you offer it up after a while they're super grateful which is nice to see).
DP finished making and painting the Arbor arch yesterday (I feel like it probably has a proper name but I don't know what it is so we will go with that, it connects two raised beds that have a path between them and I want to grow some nice plants over them to create a little tunnel).
He's going to do the patio now (well work on it...). I am going to get up- yes I'm still in bed 😀🙌🏻- and go and sort another kitchen cupboard out in anticipation of all my storage things coming. I am stupidly excited for the storage things and my freezer. I've officially reached adulthood.
We're going to eat a large lunch so we aren't seduced by popcorn that needs a loan, nor the expensive fizzy drinks... we'll bring our own 🍿😉.
Okay, hope to report back with my storage having arrived and in situ and also the movie living up to my childhood imagination (which was pretty imaginative).
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/248 -
I believe we are off to see that film when return from our holiday. We saw the trailer for it around Christmas time and have been waiting for it to come out. I have no reference to the book however, as I am not a reader of fiction, so will let you decide if it is similar.
Like you I get excited over organising bits and bobs, as I think it is the hope that it will make life easier, and that at the end of the day is something we all crave.
Enjoy the sun and the cinema
Me, DD1 20, DS 18, DD2 15, Debt Free 04/18, Single Mum since 11/195 -
You sound a lot brighter and more like your old self. I think you are right to still pace yourself though. Really hope the dresser appointment means you find something that makes you feel really special 😊
KK
As at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 35 books of target 52 in 2026 as @ 24th May.
Produce tracker: £119 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Beware, adulthood lasts a surprisingly short time. Possibly only a fortnight. Then you start making noises when you sit down or stand up, keep nice sturdy boxes because well its a nice sturdy box and enjoy a nice sit down more than you'd expected 😉 😊 ☺
D
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'6 -
The film was good, honestly I can't remember the book all that well so didn't compare too much (it's been about three decades since I read it 🤷🏻♀️😆).
We got to town about an hour early and we we went ring shopping again. This time for engagement and wedding ring sets- I still was of half a mind to just buy something really cheap and be done with it. But DP insisted he wanted me to have something nice. We started with the shops I get a discount in (very MSE 🤣). And we found a nice set in the first shop we went in. I tried lots on, all very sparkly and nice and decided I didn't really want to spend hour traipsing around shops looking (I had already looked in every jewellers in town twice anyway 🙈). So I made sure I could get the 20% BL discount and I could 🙏🏻 so we placed the order as it might take two weeks and we're pushing it for time now..…£860 off though with the discount they had and the 20% 😁. And another job ticked off (I am happy with the choice too btw).
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/248 -
That’s good. Glad you like it!
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.4 -
Thanks @beanielou promise I wasn't bullied into buying a diamond ring 💍 💎 🤣...we looked at the lab grown ones but you know what made my mind up... you don't get 20% off on lab grown ones so that did it for me. I've also spent hours going through websites and looking at reviews and getting befuddled so I'm glad I'd narrowed down a style I like, and colour of the band, and we had an upper price limit in mind too (which this did go way over until the discount was added). Work is useful for some things hey.
Shopping is due today and the oven repair man…so I might squeeze a trip in to the gym but that will probably be it.
We put together the storage when we got home and one piece of the can dispenser was broken 🥲 ... however we've put It all together and I'll see if I can get a partial refund for the layer I can't use. It looks fantastic in that cupboard now. I've never seen it so organised. The under sink one was easy to put together too and that has partially organised that cupboard but there were bits that were too large to fit in there (Mr L own cleaning range and flash bottles seem to be too tall) so they're all on the side. Of the storage. It's still much neater in there. I pulled all the condiments out of their cupboard too and put the new lazy Susan (double layer!) in and that's helped with that cupboard too I can get things down without pulling everything on top of me. The cupboard is taller than me and I had things on an organiser which looked like steps. However when I wanted, let's say the rice vinegar, which lives on the back step because I rarely use it. I would usually pull down the oil, Gravy and stock on top of my head because they lived on the rows in front of it 😐 that was annoying and painful…👏🏻 very exciting stuff that these annoyances might be done with.
When our new freezer arrives I'm hoping to sell the old one on to anyone who will take it basically. I've decided I hate chest freezers and they're annoying too and I cannot reach anything at the very bottom unless, I myself, get into the freezer. 😊 Perhaps all these little things, once compounded, makes for a much better flow in the kitchen and make it easier and short person friendly to use 😆 (all of the wall cupboards are high and I can't reach anything above lower shelf which leaves six large shelves I need a step ladder for so at least the lower shelves are organised now).
I'm not having buyers regret on the ring which is a good sign 💗💍. And DP is supposed to be at the registry office today signing bits of paper and providing evidence he can get married again. He doesn't have the bit of paper and has left that to the last minute to sort so I suspect he will have to push the appointment back, again. He's running out of time.... I'm trying to stay out of that stress as I've enough stress in my body for us all right now. 🙈
DD was really upset after her shift yesterday, she looked like me after work. Dead energy laid on the sofa and unable to move. They had her waitress an entire floor of a very large city cafe on her own 😡 she is 17 so not even paid very much and was close to tears when she got in. But thankfully too tired to cry as she's a nightmare to stop crying once she starts. I got her to message her employer and say sorry not coming in on the shifts she's been put on this week her mum needs her for family commitments. I'm fuming and felt like writing something myself, but tried to keep it basic. And remind myself it's just a part time job we don't need to over explain. He obviously came back with how disappointed he was and how the whole team will be affected by this and they're already short-staffed. Yeh no sh-- Sherlock. Hence why she ain't coming in… they should have closed the top floor and had staff on the lower two floors, but, greed..... So anyway she's coming with me to my styling appointment on Thursday now 😊 so I don't have to travel there and back on my own. I was actually debating a train...I get overly tired by late afternoon and was a bit worried about travelling back on my own...but I guess if DD is next to me chatting it should be ok now.
Right shopping won't be long so I'm off to get the cupboards and fridge ready for it.
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/247
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