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£29,303...Enough is enough!

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  • Had a feeling it was too good to be true...DH is being called in for a meeting with HR tomorrow as the person he was replacing has decided not to leave. I also have my hospital appointment tomorrow to get the lump diagnosed, so I'll be glad when the day is over.

    In other news, my parents are the best! We missed celebrating their 45th wedding anniversary. They wanted all the family to have a meal together, but obviously that can't happen anytime soon. So, they made a delivery to each of our houses yesterday so we can cook our own slap up meals. They delivered to us the biggest gammon joint I've ever seen, loads of veggies, and some herbs and spices to make a special meal that my dad used to cook when I was little. I'm going to cut the gammon in half (or maybe into 3 or 4 pieces) and cook part of it today to my dad's recipe.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch that's sad about MIL. Great news on the job front and childcare though - should take some pressure off.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Hope everyone has had a lovely Christmas. We had a nice day. As I was distributing the presents from under the tree, there was noticeably less 'stuff' this year. The DCs each had lovely presents but we didn't do the usual last minute shop to pick up extra tat to bulk it out. Glad we've managed to get out of that habit and just buy things that will actually get used. 

    We we had a turkey thigh for lunch that I de-boned and stuffed. I think it cost about £4, including the stuffing, and it was delicious & there's still loads left. We've got leftover gammon and veg too so today will be a lazy day as everyone can pick and reheat their own leftovers.

    It seems like a good time of year for reflection, so I've had a quick look back at my diary from this time last year. Disappointingly, our debt is around the same amount. It's not a complete surprise, as we have taken a payment holiday this year. Our mortgage has decreased though, and savings have increased. DH is in a slightly better position with work but in a relief position so hours aren't guaranteed. It was around this time that DH made a car insurance claim & we've still not had the £250 excess back, so that's something we need to chase up. 

    Last year I was trying to sell the the mountain of unused stuff that's been dumped in the loft. We made some progress but it's grown again since, so that's back on my to do list. I've got a bit of a dilemma as MIL has given me a nice gift set, but it's full of perfume that I already have a large supply of. I'm not sure whether to put it in the wardrobe and forget about it for a couple of years until I need more perfume, or see if I can sell it?
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You could try and take the perfume back and get something you need more with the money. I wouldn't feel guilty. I too stuck to my budget much better this year. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • You could try and take the perfume back and get something you need more with the money. I wouldn't feel guilty. I too stuck to my budget much better this year. 
    I thought about that but we're in tier 4 lockdown for the foreseeable and not sure if they'd take it without a receipt anyway as it could have been bought anywhere (although I know it was from b00ts).
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are getting some free food. I find K expensive... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Happy New Year!
    Emergency Fund: £500/£1000
    Christmas fund 2023: £94.60/£500
    House fund: £ 11188. 32
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year  o:)
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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