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Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

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Comments

  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    I've found it quite difficult to balance my funds between longer term savings and immediate access.


    My instinct is to 'lock' money away for higher interest, but I don't want to get to a point where I decide to book a holiday and I haven't got the readies available.


    I'll be looking at it again in April, after we get back from our holidays.


    But I love my 123 account for easy access savings


    I think the sale of the car is one of those bittersweet things. It's good, as it fits in with your plans, but a little bit sad as well, as we get fond of our cars (or maybe that's just me!:rotfl:)


    PS, I love that London place too....... we've generally visited about 3 - 4 times a year, and hope to carry on doing that, as there's a lot of museums I want to go to
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm loving the faux-Mulberry bags :rotfl: as well as the thoughtfulness about which accounts to stash the money in. Good for you! Mindful money ...
    2023: the year I get to buy a car
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Goldiegirl wrote: »
    I think the sale of the car is one of those bittersweet things. It's good, as it fits in with your plans, but a little bit sad as well, as we get fond of our cars (or maybe that's just me!:rotfl:)

    It's the first time in over 30 years I haven't owned a car :o.

    DS has emptied loft of it's random treasures, most of which were his :D.

    My children have stolen my garden :eek::eek::eek:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    gallygirl wrote: »
    Etc etc, etc, sore brain and so on :rotfl:.

    My brain feels like that after debating where to put the pennies too.
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    coldcazzie wrote: »
    My brain feels like that after debating where to put the pennies too.
    We should be ashamed of ourselves when there are so many people on here losing sleep over really having to juggle money to pay bills etc. Very much a first world problem!
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    gallygirl wrote: »
    We should be ashamed of ourselves when there are so many people on here losing sleep over really having to juggle money to pay bills etc. Very much a first world problem!

    Perhaps. But we're all living in our own reality, and have to deal with the problems our reality presents to us. Playing the "oh but X person is so much worse off than me so I should just shut up" isn't really helpful, cuz there's always someone who's worse off, and them being worse off doesn't change your problems that you need to deal with. All you can do is try to make the best decisions that you can with the reality you're faced with, and not compare yourself to others, because their reality is not yours :)

    Not easy though ;)

    Edited to add: I'm not saying ignore or play down other people's challenges, but don't play down your own either :)
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Well said, cold cazzie :)
    2023: the year I get to buy a car
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I agree, but a bit of perspective helps calm me down :).

    Decluttering Friday night's curry for dinner eating.gif
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • I am never quite sure where decluttering ends and just using thins up begins.....
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • Gally, the boots have died:eek::eek::eek::eek:

    X x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
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