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Learning to live my dreams not trample on them

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  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The BBQ was really good fun. I really should buy some soups from Tesco as I like them and they have microwaves available at each site so could heat them up... Just need to be more organised.

    Travel time is fab and yeah hopefully my total petrol costs will end up being covered by work due to the generous mileage rate!
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Tescos have had the nice soups on offer recently, I think they were 99p for a carton and could last two meals. I sometimes buy some although TBH OH is very good at making a big batch of soup every week which means my lunch is sorted. I am back on the packed lunch wagon, helps as kids have pack up meals three times a week so it is just part of the process. Leaving my cards at home helps as well as I have nothing to spend to buy anymore food!
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi IMD

    I nipped to Tescos and got some soups, but sadly I ended up spening £19 or so as I also bought other things including an £8 top that I am now wearing LOL

    I don't think shops and me go together....
    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
  • longhotbath
    longhotbath Posts: 708 Forumite
    Hello sh - just seen your new thread. I'll pop back later tonight with a cup of tea and catch up with all you have been up to. The bit I have caught sounds so positive, - well done!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi lhb glad you found me

    New job is working really well so far. Home for 5pm today.

    DS had to take DD to school today as OH had to go to work to deal with a crisis but it went okay. He brought her home tonight today too. That saved us £11.50 - of which I give the kids 50p each. DS is now 12 and pretty mature. DD is almost 7. We could potentially get him to pick her up more often and save more money that way but I don't want to overload him... I am keeping it under revew tho....

    Well I had soup the last 2 days so saved a little on lunches. My DS is going to a theme park tomorrow tho on a youth trip - and I have just been theoretically to pick up some bits for packed lunch etc tomorrow.... £92 later!!!!!!!!! EEEEK It did include lots of fresh fruit and veg....
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    hi lhb glad you found me

    New job is working really well so far. Home for 5pm today.

    DS had to take DD to school today as OH had to go to work to deal with a crisis but it went okay. He brought her home tonight today too. That saved us £11.50 - of which I give the kids 50p each. DS is now 12 and pretty mature. DD is almost 7. We could potentially get him to pick her up more often and save more money that way but I don't want to overload him... I am keeping it under revew tho....

    Well I had soup the last 2 days so saved a little on lunches. My DS is going to a theme park tomorrow tho on a youth trip - and I have just been theoretically to pick up some bits for packed lunch etc tomorrow.... £92 later!!!!!!!!! EEEEK It did include lots of fresh fruit and veg....

    Hi SavingH,

    I know how you feel about the shopping. Mine came to £117 this week. Nappies and formula really add up. I am thinking of investing in some cloth nappies to cut down on the cost.

    I am delighted your new job is going well :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 9 May 2010 at 6:05PM
    Thanks CMD - how was your trip away?

    I took DD to Matalan yesterday and bought more clothes but am hopeful that some if it will be covered by birthday money for both of us.

    I also had my hair done (coloured, cut and second colour blow dry and straightened ) for £52. Was pretty pleased with that. I went a darker base colour than normal and had some bright red foils put in. It looks pretty snazzy and I got lots of compliments at church this morning. The blue monsoon top that I bought last year also came in for some compliments - which definitely gave me a boost.

    So lots of money going out a the moment, hopefully it will settle down again soon. DS did want to go to a concert next week but now he's changed his mind so I should get a fiver back from that.
    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
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Hi SH glad your new job is going well. I have just batched cooked cous cous with feta boiled eggs and pasta with pesto for lunch i will add to this salad and king prawns!! Every one in work wants my lunch!!!! Ha ha!x
  • All sounds so good and your posts do make me chuckle SH. You sound very positive these days. Keep it up!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi BTD and CSA

    Glad I can make you chuckle! Yeah I am happy at the moment and it shows in a good way so that is good. I feel more relaxed about my job and am less scared things are all going to go wrong.

    Have invited some family over next weekend to celebrate mine and DD's birthday - it will be interesting to see who turns up.

    Have just been to the local park as a family plus DD's friend which was okay. Trying to persuade DS into a 5 mile bike ride in return for the ice cream he ate. He is still shattered from Alton Towers yesterday tho so have postponed the ride until tomorrow.

    My parents have agreed to pay for DD's cycle helmet so that will be £15 coming back into the pot which is good too.

    Nothing else moneywise to add at the mo... I need to find and send off my proof of no claims on my car insurance but nothing else really happening at the mo. Need to cancel my home insurance with last year's provider as I am moving it to take advantage of cashback.....
    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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