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OMG total LBM!!!!

2

Comments

  • Saving_the_family_silver
    Saving_the_family_silver Posts: 43 Forumite
    Had a good weekend for dd's birthday but spent £97 on the party but to see her face it was worth it. Did well with shopping only spent £28 and have done a menu plan to use a load of food from my cupboards and freezer so only needed bread, fruit, ham and milk and some washing powder so not a bad week so put my change in my pot can't wait until 1st December to see my total saved. My rate setter money will be back in soon so will have £170.68 (68p interest) not a lot but something.
    My personal make life better challenge:
    Sep 2011 - Sep 2012 - £10000 needed £670.68 Got
    Sealed pot challenge member 1403
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi - what is your rate setter money? Never heard of that?

    Glad your DD's party went well.
    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
  • Saving_the_family_silver
    Saving_the_family_silver Posts: 43 Forumite
    Rate setter is a peer to peer lending site thought I would try it as you lend out monthly and your monies not tied up for too long
    My personal make life better challenge:
    Sep 2011 - Sep 2012 - £10000 needed £670.68 Got
    Sealed pot challenge member 1403
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    Good luck with your goals, have you checked that you have all of your utlities with the cheapest companies?
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • Saving_the_family_silver
    Saving_the_family_silver Posts: 43 Forumite
    hi chevalier I checked all my bills the only one that was cheaper and needed moving was the water to a meter however hearing the strories about water meters at work the jury is out on whether it will be cheaper.

    had a NSD yesterday and found £3.50 in a bag I haven't used for ages so that went in my sealed pot. Can't have a NSD today as need petrol and dd's got judo tonight so need to pay for that.
    My personal make life better challenge:
    Sep 2011 - Sep 2012 - £10000 needed £670.68 Got
    Sealed pot challenge member 1403
  • Saving_the_family_silver
    Saving_the_family_silver Posts: 43 Forumite
    Been at work for the last two days on overtime so nothing very exciting happened. I have put another £500 into ratesetter and its now lent out over two contracts so getting there.
    My personal make life better challenge:
    Sep 2011 - Sep 2012 - £10000 needed £670.68 Got
    Sealed pot challenge member 1403
  • Saving_the_family_silver
    Saving_the_family_silver Posts: 43 Forumite
    Today has been good and bad first bad, I got stuck up the loft and had to be rescued by my best friend, now good I got a promotion yayyyyy finally someone has seen I am worth something
    My personal make life better challenge:
    Sep 2011 - Sep 2012 - £10000 needed £670.68 Got
    Sealed pot challenge member 1403
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab news about the promotion ! Congratulations! Hopefully you can now save the extra money / use it towards debts rather than it just leaching away in fritter spends
    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
  • Saving_the_family_silver
    Saving_the_family_silver Posts: 43 Forumite
    thanks saving holmes I have set up a standing order for the extra to come out the day I get paid that way I won't miss it, well that's the plan

    been rubbish at my NSD's but I have now insulated my loft and put boards up and OMG what a difference it's made to dd's room now half her toys are stored away up there. So here's to warmer happier winter.
    My personal make life better challenge:
    Sep 2011 - Sep 2012 - £10000 needed £670.68 Got
    Sealed pot challenge member 1403
  • Kittikins
    Kittikins Posts: 5,335 Forumite
    Part of the Furniture 1,000 Posts
    Congratulations Silver, that's great news about your promotion :)
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