We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
My Ongoing Challenge - To live with my means
Comments
-
Intergalactic_Floozie wrote: »I cannot believe I was not subscribed to this thread!!!! I'm catching up with the last four months now....
You've not missed much! pretty dullsville here.......is that on facebook yet or should I trademark it??I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
I am beat!
but bathroom is now gleaming, house has been hoovered from top to bottom....am sure I've done more but can't remember what!
Meal plan is ready for the week & apparently we need....bananas. Thats it. I am shaking my head in disbelief! Could actaully get away without the bananas but that would leave Mr Lurker low on his 5 a day - I never miss mine as I have salad for lunch! will be a tired salad this week but do I care!?!
Thats already eased the grocery budget for the month....I love my freezer!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
seems I sopke too soon.....on double checking the cupboards it turned we needed a bit more than I thought. also took Mr Lurker which is a know problem!
Still. not to worry, best to go over at beginning of the month so I've got time to claw it back!
Will spend Friday evening doing a proper cupboard inventory to give me a chance of staying in budget
Can't decide whether to work at the weekend or not - am already shattered & its only hump day.....can I really face the alarm clock for 3 more days......but then again...££s....
On a good old-stlyee note - Mr Lurker spotted some seasoning for potato wedges in Mr T the other day, said he'd quite like to try it.....rather than putting it in the trolley I reminded him of the cajun spices he wanted but have been in the cupboard untouched for ....a long time. Last night, we had homemade wedges & they were YUMtastic...so much so even he has said that we won't buy the frozen ones any more - result!!!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
it is the little changes that make the difference
can't help you on whether to do overtime or not - depends what you value most - free time or the extra dosh!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 10/10/250 -
well I chose the ££s...so am sat under a blanket with laptop keeping me warm as the heating went off 2 hours ago , but really wanting to go to bed!
Breadmaker is on & will finish in about half an hour, so waiting for that so i can take it out & then I am off to bed - assuming Kitty comes when called
Ideally I'd like to get in work by 8.15 as I don't think I can manage 8!!
then will come home, have lunch & venture to Mr T.....& then chill for the rest of the afternoon...might even pick up a book and read for a while...but then again I can feel a baking session coming on...yumyums!!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
the yumyums sound good
Enjoy the extra dosh
I should be paid Monday - but not had a text from a company yet to let me know they have received anything - so not sure if I will be. Another reason why I hate where I work!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 10/10/250 -
went to work Saturday morning, and actually understood what I was doing for 3& half hours - result!
so very nearly stuck to the list @ Mr T....so theres £80 left in the budget for the next 3 weeks....
Then instead of having a baking session, I curled up on the settee with the remote control & had a little snooze...lush
On the money side, I let things slide a little last week as far as lunches were concerned, but luckily the canteen is subsidised so when I did spend it wasn't as much as it might have been. Back in control again this week (well it is only Tuesday).
Had a bit of a result with quidco too - had registered a card for in-store cash back a few weeks ago - thanks to flying_fresian for making me aware of that - and halfords is one of the participating retailers...new battery for car last week at £114.99 is earning £4.31 in cashback - woopwoop
I will be working again this Saturday - if I can in for 8.15 i will.....but 8 would be better.
Chatting with someone at work was interesting - shes feeling the pinch with a weekly food budget for 2 of £60......I wish!!
& lastly - the adventures in cookery continue - treacle crunchies last night....not bad, although next time I need a bigger heaped tablespoon of treacle...noy qute sure how to get that!!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
Yo Lurkio!! Treacle Crunchies recipe purleease!?** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0 -
sounds like things are going well. Good luck with the overtime and making that grocery budget stretch!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 10/10/250 -
I've got a big tin of treacle lurking in my cupboard too!Start Date: 27/11/2010
Padding: Day 42
Target £8000
Amount: £562.230
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards