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Learning to live my dreams not trample on them
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savingholmes wrote: »thanks gill - just need to cut down my fritter spend, take my lunches and things like that....
I need to work out what I do want for my birthday and make sure it isn't going to blow the budget totally! Luckily I will have been paid a few days before but as I say finances are due to be tight until around July!
It's so easy to fritter when you are at work. Especially if you work with a sociable bunch.
What sort of thing do you fancy doing for your birthday? You don't have to do loads, all my friends had parties for their 50th, but I didn't fancy that as I'm not self confident enough. I just had a meal with family and close 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 -
gilligansyle wrote: »What sort of thing do you fancy doing for your birthday? You don't have to do loads, all my friends had parties for their 50th, but I didn't fancy that as I'm not self confident enough. I just had a meal with family and close friends.
The problem is that my relatives are spread all over the country so it would require planning. Family relationships can be a bit tense too so not sure if I want them there or not? I could go out with OH, my kids and some friends or the friends separately but not made up my mind a) what I want and b) we are skint....
I have just bought some clothes for my birthday - but that is because they were about to go out of stock. I am hoping that my mother in law can buy them herself using her 20% discount but didn't want to be disappointed so got them just in case.....:whistle:
I did offer to meet my mum next week and spend the day with her but she thinks she already has people coming over....;) nothing to do with my birthday honest!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Hope you have a lovely birthday whatever you decide to do. For my 40th we just went out for a nice meal as kids were at uni and it was nice to have them home for the weekend and we were VERY VERY skint at that time. My 50th last year was a few weeks after our 30th wedding anniversary so I picked a date in between and had an open house party - it was a great day with lots of friends and family popping in running from 4 until late.... When people asked what gift we'd like - I suggested a plate of food for the buffet which was usually accompanied by cans or wine or both. We actually ended up with enough booze to last from August until after the Christmas after the do. I put on a basic buffet and it was added to as various people came. I'd certainly do it again for the next BIG birthday!!
I'm so pleased the job seems to be working out for you.
MilannJanuary spends - £587.580 -
hi milann
Yeah I am thinking about an open house not sure though... hmmm
Work still going well but I am very tired!
Won £5 on free daily scratchcards today so pleased with that and withdrew £5 from Virgin free scratchcards at the weekendAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
hey mrs just spotted you have anew thread ... nice one .. looks like things are going good guns for you just now0
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No offense to anyone, but no way would I have an open house day. Especially with my family! Plus I'm a control freak and couldn't deal with not knowing who/what/when/how was gonna happen. Plus I'd geet bored and fidgety waiting. And anxious about overlapping guests not getting on. Maybe that's just me tho?savingholmes wrote: »Yeah I am thinking about an open house not sure though... hmmm
"I am indelibly stained by hope and longing" - Nuts in May0 -
hi bz and el
thoughts for 40th
oH and kids and me meal only
or as above plus one or more of the following
bowling or snowdome party for invited guests - where they pay for themselves! Probably plus eat out somewhere - downside costs - some of my invitees probably too skint for this.... Invited guests likely to be friends rather than family
could try doing a murder mystery night for selected friends (and get someone to babysit kids elsewhere) - bought a game could use as a base for £1. Downside would be would need to tidy whole house which would be a major achievement and possibly slightly unlikely (OH wants to know when he can book the skip for LOL). Would potentially need to buy food, drinks etc etc altho could do a version of "bring and share"
possibly go out with select friends 1:1 or in small group so it is more relationship based... big groups don't really talk the same!
poss OH's family invite week of DD's birthday rather than mine and see if they remember me LOL
poss my family invite to chinese restaurant or similar weekend of my birthday (but not day itself)
decisions, decisions!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
hi all
Having a weird day today. Went into work early but couldn't get anything to work properly. Went off site to a meeting and as I was coming past my house on the way back I have just stopped off for some lunch. I had porridge as I needed something quick! I had grapes, bananas and strawberries for breakfast -but ate them at work while wrestling with my computer!
Hope you are all doing okay. Hope to be home for around 5pm today which would be good unless I decide to work a little later so can leave early another day! I think I will see how much work I have on!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
That sounds like a breakfast my sister would be proud of, she's become a very healthy eater since I last saw her and now eats hardly any chocolate!! Very strange for her but she said she has noticed a difference since she stopped the junk and started eating healthily
She has IBS and since going onto this new kick she feels much better I don't think I could live without my chocolate fix though hehe
Strange about nothing working this morning, thought that usually happened on a Monday morning It does here at least 
Enjoy the rest of your day and hope it doesn't go on too long :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
How about a picnic for your 40th? Everyone brings their own food/drink, kids, blankets,camp seats, frisbees, cricket sets etc!! PIck a local beauty spot with parking.
Totally free, very relaxed so people can talk to lots of different people, people will (hopefully) tidy up after themselves, kids can play, men can get competitive over cricket!!!
Maybe tip a couple of very close friends that after you will be ahving a 'chilli pot' or similar back at yours.
Hmmm sounds good...might bear in mind for my own bash!Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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