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Learning to live my dreams not trample on them

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Comments

  • Double_Trouble
    Double_Trouble Posts: 4,375 Forumite
    Did you see my amended post about the voucher cost every time I look the amount goes up!

    DTxx
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes wrote: »
    I'm back at 40 gold stars already
    Make that 41

    Watching 71 degrees north with DS eating 39p ginger cake from HB love that shop
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Double_Trouble wrote: »
    Right I am now gutted I am sure it was 350 stars for a £10 voucher now it is 650 for a £20 voucher or 400 for a £10 Mr T gift card when did that happen? :mad::mad::mad::mad::mad:

    Must have been in the last week or so - as mine was still 350 gold a couple of weeks ago... They really don't want us withdrawing do they!!! How annoying. Altho Mr T would be useful!! :mad::mad:
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Double_Trouble wrote: »
    Did you see my amended post about the voucher cost every time I look the amount goes up!

    DTxx
    That is scary - now at 46 as have converted some silver... but goodness knows how many stars I will need to redeem by the time I come to that point!!
    Perhaps there is too many msers on there....

    I used to do bingoport - you can get to redeem on bingoport much quicker but I find the 10 posts a day a faff
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have just put another undercoat on downstairs loo

    Have submitted an expense claim dating back months this week which should net me about £80 - better in my pocket than theirs.

    Things to do this week
    1. Try and get house more respectable before cleaner comes tomorrow pm!!
    2. Leave out money for cleaner
    3. Take OH to hospital for retest (make sure have money for pay and display car park)
    4. Do work pm - possibly from home
    5. Pick up insurance form from GP pay £43!!! and send off
    6. Repaint downstairs loo red
    7. Pay loan off on new car from balance transfer money
    8. Order new flooring and agree dates
    9. Chase up new sofa dates
    10. Take insurance docs, driving licence and MOT info into work so can claim expenses ok
    11. Try to get OH to submit expenses claim to his work for around £20 - every little helps
    12. Carry on painting, decorating, running a family, serving meals, doing the washing, working full time etc :rotfl::rotfl::rotfl:
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes wrote: »
    Things to do this week
    1. [STRIKE]Try and get house more respectable before cleaner comes tomorrow pm!![/STRIKE]
    2. [STRIKE]Leave out money for cleaner[/STRIKE]
    3. [STRIKE]Take OH to hospital for retest (make sure have money for pay and display car park)[/STRIKE]
    4. [STRIKE]Do work pm - possibly from home[/STRIKE] Actually ended up taking whole day off so long at hospital!
    5. [STRIKE]Pick up insurance form from GP pay £43!!![/STRIKE] and send off
    6. Repaint downstairs loo red
    7. Pay loan off on new car from balance transfer money
    8. Order new flooring and agree dates - left answerphone message -awaiting call back
    9. Chase up new sofa dates
    10. Take insurance docs, driving licence and MOT info into work so can claim expenses ok
    11. Try to get OH to submit expenses claim to his work for around £20 - every little helps
    12. Carry on painting, decorating, running a family, serving meals, doing the washing, working full time etc :rotfl::rotfl::rotfl:
    I did squeeze in a trip to the local jewellers to see if they could mend an earring for me and also to see if they can get me a pendant to match my bracelet (will be for me for xmas). The bracelet was a 40th birthday pressie and at the time we couldn't afford the pendant which I now regret.... They are going to see if they have it at another of their stores... or if they can order it... Bought my mum's xmas pressie - some earrings.

    I also went to HB and picked up lots of bargains for xmas including some for my mum and DD.

    My cleaner has been and my house now smells clean and fresh.

    Reheated some soup from the freezer for tea but still hungry so may make a sandwich too. Need to defrost something for tomorrow's tea too

    I feel really tired today. Spent most of today at the hospital altho because the wait was so long and over the lunch break - we ended up going to a pub for a nice meal - yummy!! Over budget tho.... Hey ho
    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
  • mizmir
    mizmir Posts: 3,710 Forumite
    Debt-free and Proud!
    savingholmes wrote: »
    I did squeeze in a trip to the local jewellers to see if they could mend an earring for me and also to see if they can get me a pendant to match my bracelet (will be for me for xmas). The bracelet was a 40th birthday pressie and at the time we couldn't afford the pendant which I now regret.... They are going to see if they have it at another of their stores... or if they can order it... Bought my mum's xmas pressie - some earrings.

    I also went to HB and picked up lots of bargains for xmas including some for my mum and DD.

    My cleaner has been and my house now smells clean and fresh.

    Reheated some soup from the freezer for tea but still hungry so may make a sandwich too. Need to defrost something for tomorrow's tea too

    I feel really tired today. Spent most of today at the hospital altho because the wait was so long and over the lunch break - we ended up going to a pub for a nice meal - yummy!! Over budget tho.... Hey ho

    Busy day - good news on all the bargains - and after hospital waiting and shopping a little treat is deserved I reckon! :)
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Miz.

    OH and I have agreed that the £90 I got back from the gazebo - we'll class as the money I spent on my new coat and cardi. Any new jewellery would be for xmas. Was really pleased at HB as managed to get books of a genre my mum likes for 39p each so really chuffed!
    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
  • mizmir
    mizmir Posts: 3,710 Forumite
    Debt-free and Proud!
    savingholmes wrote: »
    Thanks Miz.

    OH and I have agreed that the £90 I got back from the gazebo - we'll class as the money I spent on my new coat and cardi. Any new jewellery would be for xmas. Was really pleased at HB as managed to get books of a genre my mum likes for 39p each so really chuffed!

    Great bargains!
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Miz

    Well amazon voucher arrived today so just bought another sis's pressie.

    I also got some cellophane roll and bags - didn't know amazon sold them and it is just what I need for my hampers.

    Read one of the 39p books I bought for myself. It was very good!!

    Just done Mr As price guarantee so got another £7.72 on the way to me/off my next shop....
    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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