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November.2015.here.we.come

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Comments

  • What are you like M21!!!! Hope the splint does its job.

    Great news on the £5k target :j
    :j
    May 2013 new beginnings:j
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Ouch. Hope it heals quickly.

    Try either The Book People (via Quico) or Bananas (The Book People discount branch) for Santa gifts. You can usually get some fab books for less than £1 with £4.99 price tags which keeps both parents and kids happy and our PTA donate the surplus to the school library, not that theres usually many left.
    Saving for a Spinning Wheel and other random splurges : £183.50
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Is bananas on any cashback sites..do you know?..that's probably asking too much on books that price..lol
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    taxi73 wrote: »
    Ouch to the arm..hope it isn't fracured or broken.

    Fantastic new on the 5k payment (nearly)..knew you could do it and your friend will be happy to stump up for the Ritz.

    so weird as really didn't think could do 5k, (nearly there) as when I'd originally done snowball, it said 3k,

    We both decided to do something for us for our 40ths, I pd for the Orient Express, and she suggested the Ritz, so said yep, but need the incentive of debts hence the 5k.

    its been a bit tight in places, but its really made me appriciate life more and what I've got, ok the loan adds a yr on, but took off 2k in interest so balanced out.

    Now I can walk past Evans without the need to have that must have item, whether or not I need it, even cooking at home appriciate things.

    we did a bulk sausage + tom casserole 2day, me shouting orders- dad cooking, dusted off the george formum and its cooks onions, put it all in freezers, and for 21 portions it came to £12.00.

    Bailey keeps coming up and trying to pull the splint off, its blue the same colour as his fav toy....

    Fun + games, but better than a plaster........ xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    moo2moo wrote: »
    Ouch. Hope it heals quickly.

    Try either The Book People (via Quico) or Bananas (The Book People discount branch) for Santa gifts. You can usually get some fab books for less than £1 with £4.99 price tags which keeps both parents and kids happy and our PTA donate the surplus to the school library, not that theres usually many left.

    Thats brilliant, thank you, have to have a nosey xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • taxi73
    taxi73 Posts: 20,815 Forumite
    mum2one wrote: »
    so weird as really didn't think could do 5k, (nearly there) as when I'd originally done snowball, it said 3k,

    We both decided to do something for us for our 40ths, I pd for the Orient Express, and she suggested the Ritz, so said yep, but need the incentive of debts hence the 5k.

    its been a bit tight in places, but its really made me appriciate life more and what I've got, ok the loan adds a yr on, but took off 2k in interest so balanced out.

    Now I can walk past Evans without the need to have that must have item, whether or not I need it, even cooking at home appriciate things.

    we did a bulk sausage + tom casserole 2day, me shouting orders- dad cooking, dusted off the george formum and its cooks onions, put it all in freezers, and for 21 portions it came to £12.00.

    Bailey keeps coming up and trying to pull the splint off, its blue the same colour as his fav toy....

    Fun + games, but better than a plaster........ xx

    Just laughing at bailey..bless ..bet he's grown a lot now.
    It's amazing what you can cook from scratch for a lot less than the packaged rubbish and so much better for us.
    Hope the arm isn't giving you too much trouble and that everyone is well x
  • Oh m2m hope your arm will be ok they will prob do an mri??x
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Hope the arm is feeling better today but guess it won't help that you are on crutches.
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    Its sound stupid, but its worked out well, bar going for foot check up tues, haven't got anything bar studying, so keep me out of trouble.

    Think there x-ray it again, I've done the same bone 3 times b4 on left hand, had to get dad to write an enveloupe earlier bless him! x
    xx rip dad... we had our ups and downs but we’re always be family xx
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gosh mum2one - I'm sorry you are so in the wars... Hope you recover quickly! All the best with the party refund too and good news on the bank refund
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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