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Viking's Diary
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The £2.26 of annual interest I got on my savings this month made me weep a bit!1
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South_coast said:I still reminisce fondly about the 10% regular saver I had back in around 2007/2008 😍!
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As we have finally finished the Christmas sprouts, today's dinner marks the start of the final push towards the red cabbage! I am braising it with a combination of fig chutney and apple and quince jelly, and the tail end of some ginger ale. I hope it's as nice as the lot I did the other day with the ends of the cranberry sauce. Served with the pigs in blankets I forgot to cook on the day, and a reduced bag of parsnips roasted in the very last go of the goose fat we had for Christmas roasties. A very Christmassy January dinner.
I have also been sorting out some more books for we buy books as part of my decluttering challenge (anyone else watched The Minimalists documentary on Netflix? - not very me as a lifestyle, but the decluttering challenge seemed like a good plan). There is a 10% new year bonus code so I shall pack them up tonight and get a pick up sorted. I also got DH to get to the post office to get rid of the parcels that needed sending in case lockdown hits instantly and in unexpected ways.
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Good luck with the parcels. I am going increasingly digital in my buying. I reckon we used to have thousands of physical books, we are now in the hundreds...
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
We are definitely still in the thousands @savingholmes but I am becoming increasingly discerning about what will and won't be read again!2
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Have to start somewhereAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/250 -
Sold a couple of small items on gtree, so that's another £1.50 in - every little helps, right? Guy came to collect them at 9pm because of new lockdown but it was a very contact less collection anyway.
After updating my meter readings and doing some sums I realised I could claim back some of the credit - when I went online Squid energy suggested I should reclaim more than I'd intended, based on our usage. I met them midway at £300 and when it comes in will split it three ways between ISA, OPs and PBs.
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One of the gumtree purchases was paid for by bank transfer so that's 50p in, and then 50p straight across to the mortgage
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£9 current account reward claimed and OP'd.3
ouch
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