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!
Getting out of my comfort zone
Comments
-
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 -
http://forums.moneysavingexpert.com/showthread.html?t=622943
how to make flannel yule logs, cupcakes etc
http://forums.moneysavingexpert.com/showthread.html?t=1283835
pots of gold
http://forums.moneysavingexpert.com/showthread.html?t=2079905
santas kisses etcAchieve 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 -
Thanks SH! And thanks for the PM :T0
-
I found a suggestion for little bah humbug jars - tin jars, labelled "bah humbug" with humbugs inside... think I will give that a go too!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 -
savingholmes wrote: »I found a suggestion for little bah humbug jars - tin jars, labelled "bah humbug" with humbugs inside... think I will give that a go too!
also found an idea for 'a perfect man' can't find the link but it was
Perfect Man kit
They are mixing bowls, a wooden spoon, the choc chip cookie mix layered in a cone (like snowman soup), gingerbread man cookie cutter and a laminated poem/instruction tag. All wrapped in cellophane/ribbon etc.
Make yourself your perfect man
He's quiet, he's sweet,
He has no eyes and he has no mouth,
And he has a body with a perfect tan!
I'm thinking of doing a mini version using cheap plastic cereal bowls for my single friends.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
Just realised this is getting a bit crafty, but that's what life is about at the moment.
I consider it to be all debtbusting as it means nice cheap presents for people, especially friends who don't expect me to spend a lot, but over the years have come to expect something unusual. I've set myself up for a bit of a lifetime of crafting really.
Got paid yesterday - £150 so will start to get some extra stuff towards Christmas, its only 4 weeks away!!
So that is £25 gas and leccie
£25 petrol
£40 for normal groceries
£20 for extra bits - maybe
in theory that should leave £40 next Thursday to go off various debts.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
Picture of snowman soup here
other cards on blog
also recipe for Nigellas Christams decorations hereDebts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
I did loads of craft things my first year with mse - and started in July for xmas! This year I haven't done much. I did do the perfect man thing but last year was able to buy 3 pre-cellophaned ginger bread men and just added tags to them (from b and m bargain) - it was a perfect man poem but ended with and now I can bite off his head LOLAchieve 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 -
Need to get the rest of the Christmas shopping done. Arrange a morning to meet sister which goes ; meet, have coffee and cake, sort out lists, agree where to go first, shop, gab, have coffee and cake, shop. have coffee and work out whats left, finish shopping, lunch then home.
Have got money put aside in various pots including a prepaid card, so need to organise myself.
Been working until now, have had glass of wine and whoopsie chinese meal from Morrisons. Wasn't really in budget but too tired to do anything when I get in, and should have had something in slow cooker waiting for me, but because of waiting in, fruitlessly, for DHL, didn't get to the shops. Thats my excuse and I'm sticking to it anyway.
Loan is now only £764 which takes the whole total to under £4k. Not a lot compared to some, but half what it was when I started.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
Sounds like you're making good progress!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
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards