We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Gilligansyle's outside her comfort zone
Comments
-
That sounds good, Gill - when I was still working in London, and taking the train home, I needed a cuppa tea once I got on the train (because it was 10pm by then, and i just *did*
) I did use a thermos for that, but it only had to be in the flask for about an hour, as I made it just before leaving the therapy rooms. I know it would cost a bit, but what about those heating elements you buy that you can power from the cigarette light in the car? Do you have one of those? I remember them from about 30 years ago, sorry! 2023: the year I get to buy a car0 -
Will the company not pay for your drinks on the way home? Is it just a cash flow thing?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 10/10/250 -
savingholmes wrote: »Will the company not pay for your drinks on the way home? Is it just a cash flow thing?
Yes I will get reimbursed for the drinks, its just that I've got over £400 of expenses due to me, so its a cash flow thing. I was trying not to move the money out of the 'spare' account.
The other daft thing is that because I drink my coffee black, if I get it in a service station its too hot to drink for ages! I've tried asking them to put a bit of cold water in, but generally so far have been greeted with blank looks.
Reminds me, must pack bottles of water!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 -
I think the bottles of water thing is a must anyway. I always get dehydrated on a long journey and will often drink a litre to a litre and half even on a journey of a couple of hours...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 10/10/250 -
You could take *cold* water with you 2023: the year I get to buy a car0
-
I *know* I can take water, I just always forget.You could take *cold* water with you
In Glasgow tonight, seems a long way to go for just one day. Absolutely shattered after the drive.
DS has a list, he's going to put some shelves up for me.
Off to find some food. Another posh menu.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 -
:o:o sorry Gillie.
You sound tired. Hope you're okay.2023: the year I get to buy a car0 -
I think the drive to Glasgow is exhausting... Hope the kip later in the hotel is goodAchieve 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 10/10/250 -
Cooker element hasn't arrived yet - but it has been dispatched so its probably in a depot somewhere. And now I've lost - the kneader bit out of the breadmaker - it has a tendency to get stuck in the loaf, and as the last loaf got forgotten about, I suspect it got chucked out. Genuine replacement part £19.99!!!! Off to look on ebay!
Have been making Christmas cards, and thinking about making Christmas cakes, I can never remember when to start but its usually about 7 weeks before, so about time I think.
Bearing in mind the stress of last Christmas, am starting the think about how to get the Christmas I am happy with, without upsetting my sister too much.
Present wise, this year will be *very* low key, mainly because of Mum, but also because I just CBA with the whole shopping thing; so if people don't want hand made presents, then its just tough. I've booked the Thursday and Friday before Christmas off, so will have time to make chocolates etc.
Other thoughts are:-
Soaps - already done
Bath salts - easy peasy
Cranberry chutney - put together with cheese etc. to make a hamper.
Christmas decorations - have some lovely beads and wire
OK - off now as they're doing the formation lap at the Indian GP - race starts any minute!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 -
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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards