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A Journey of Many Pounds Starts With a Single Penny

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  • Suffolk_lass
    Suffolk_lass Posts: 10,377 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would be more concerned about the crows and magpies if it were me. Here, they are gradually eradicating the other smaller native birds and one of the women in the village has taken to feeding them. This means the last two years they have evicted the smaller jackdaws (in and of themselves they can be a nuisance, but until the others were encouraged they were under control). Now the crows and magpies are a real nuisance and last summer we were "treated' to them hunting the fledging thrush young and literally tearing them to pieces on our lawn ahead of feeding their young flock of 6. We had never seen more than 2 in the village until they were encouraged and it will come to a head at some point.
    Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • themadvix
    themadvix Posts: 8,909 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    That sounds awful SL. Can’t understand why you’d feed corvids - they’ve got plenty of food and are largely bullies (small exception for jackdaws and jays).
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    We aren't seeing problems with the corvids and I have a soft spot for crows (sorry) - they recognise your face so I sometimes get them calling as I walk down the street.  The young magpies fall foul of the cats around here so there is some population control.  I suspect the difference is that they are in quite an urban environment so the population can't grow beyond a certain point due to a limit on nesting and roosting sites and it hasn't noticeably changed in the years I have been here.  The biggest risk to the small birds is my next door neighbours cat judging by the feathers I find on the lawn sometimes.  

    I can see how, in a more rural environment, where the population could expand it would become a problem.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • Mr Gnome has submitted his tax return hurrah! and NI contribs paid too.  My info is with my accountant and I am waiting for a painful tax calc.  I am expecting a large shortfall as my tax code was almost certainly wrong at one point.  I ran the numbers through an online tax calculator so I have a reasonable idea of what I should have paid and I've saved the difference between that and the actual amount shown on my P60.  The gap should be smaller because the calculator didn't allow for pension contribs, professional expenses, gift aid, WFH allowance etc.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • I'm getting there on the tax return I just need to double check one bit of the calculation tomorrow and then it can go in.  It looks like it will be about £1000 less than my worst case scenario so I will have money to repurpose.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LABMUM
    LABMUM Posts: 157 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Good news on the tax return.
    EFC #185 - £510.00/£1000
    £2.00 Savers #95
    50p Savers Club #8
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