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£29,303...Enough is enough!

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Comments

  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    I'm absolutely exhausted & mentally drained after work today. Luckily I'm off now until Monday. I drove past Lidl on the way home and was hoping to stop and pick up some school uniform. Queues were round the block though so I kept driving & didn't stop. I sold another item and have transferred the £10 to savings. Very pleased to report that we managed to stretch the roast chicken to 4 more meals and finished it tonight - fajitas, pizza, risotto, and stir fry.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That waca great Ysbhsul
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Y S haul**
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Not sure what's wrong with me but I woke up still feeling exhausted this morning. I've been been feeling fuzzy headed too. Probably not helped by the heat, but I'm not going to complain about good weather.

    I managed to get to lidl first thing (luckily, as there were queues around the block again when I passed mid morning). I picked up school uniforms, and plenty of drinks and ice cream for the weekend, all for £13. I've allocated it all to the grocery budget for now because I'm too tired to study the receipt and break it down into categories. DC2s trousers fit perfectly in length, but are big around the waist despite being elasticated. I'll need to either feed him up over the next 4 weeks or sew in some elastic before they go back to school.

    We also discovered today that DC3 needs new shoes. We picked up an £8 pair for him, which will be ideal for wearing to the childminders (where he decided to paint himself today :D ), then met MIL who thought nothing of spending £40 and very kindly bought him 2 pairs of decent shoes. She also sent us home with a pack of potato waffles.
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Feeling slightly better this morning. DC1 got up with DC3 at 7am so I could have a lie in. Managed to stay in bed til 9.30 which has definitely helped. Sold a £5 item which was collected this morning. Checked the olio app and managed to bag a free food haul including tins, pasta, flour etc. DC3 and I walked to collect it. It was a 4.5 mile round trip (carrying heavy bags on the return trip) which hasn't helped my tiredness, but means my exercise for the day is done & I can have a night off from yoga.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad MIL helped out
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A new mattress can make the world of difference. Sounds like you had a fab day out too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    +1 on new mattress being a good investment
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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