Champagne Lifestyle on a Lemonade Budget.

mrs_slapshot

house_elf wrote: »

Mrs S I have put David Sawyer's book on my Xmas list.

Hope you enjoy it!

lessonlearned

Mrs S. thanks for the book recommendation. I think I will get a couple of copies for my boys as Christmas presents.

There isn't really that much information about FIRE in the U.K., especially investments, tax etc. Many of the books and blogs are American so although the principles of course remain the same (spend less, save more:rotfl:) the actual detailed financial information tends to be geared to the US.

My boys are both mid 30s and whilst both are quite savvy I think the eldest in particular could do with a bit of advice. My youngest and I often talked about FIRE and a F U fund when we lived together and he has taught himself a lot about investing and is pretty clued up.

I have read quite a bit round the subject - pity I didn't grasp it when I was younger. But hey, better late than never.

I have done my financial review of October and my budget for November. It's looking quite healthy. I shall be switching banks and opening up savings accounts in the New Year.

Wednesday2000

mrs_slapshot wrote: »

I hope you enjoy it! I finished it last night - am going to go back through the last couple of chapters to pull out the key points and make an action plan.

Let me know what you think of it...it gets a bit heavy around the financials, but that's one of the parts that I need to look at really carefully. I am scared of investing in one way, and in another I have a very large (to me) sum of money already invested in a personal pension, plus a 'FU' pot of around 6 months expenses should I need to escape from my job - so I don't know why I feel this fear of investing my surplus salary?!!!

My husband and I want to retire early. We were doing well last year as we had paid off our mortgage 10 years early and we had about 6-9 months of expenses in savings.

The last year we have been spending like crazy on concerts and going out so we barely have 3 months saved now.:o:rotfl:

I hope reading the book can get me back on the straight and narrow!:)

Wednesday2000

I've almost finished the book on circadian rhythms by Dr Satchin Panda.

Hmm, it is very interesting. I didn't realise that I was inadvertently doing a lot of things that would disrupt my sleep as well as making it harder for me to lose weight! I found it informative about digestive health as well as I had some problems in recent years and I realise it was probably what and when I was eating. It does seem like a lot of people suffer from IBS and acid reflux these days so it could help them.

I'm going to make a chart as he suggests to track my progress in the next month and stick to three regular meal times as well as only eating in a 10 hour window. I'm quite excited about trying this way of eating. :T

It was dazzling sunshine here this morning but it has dulled down a bit now. I'm going to take a walk to feed the birds and then finish my book and maybe watch a film in the evening.

I hope everyone has a good day.x

house_elf

Good Morning All,

A quick Champagne moment, before the madness begins!

Yesterday, I was invited to a pamper day to celebrate a friends daughter's 30th birthday. We were supposed to go away for the weekend, but plans changed when she found out she was expecting.

Nails and snacks in the morning, followed by afternoon tea in a very posh tea room. A lovely end to my half term week.

Have a lovely day

adindas

[FONT=&quot]I am going to answer this Challenge again[/FONT]

[FONT=&quot]I have been tipped off that Lidl will be doing [/FONT][FONT=&quot][FONT=&quot]£10 off for a minimum £40 spending. The[/FONT] voucher will be available for the following dates and newspapers[/FONT]
[FONT=&quot]1. Metro: Friday: 08.11.19[/FONT]
[FONT=&quot]2. Daily Mail: 09.11.19[/FONT]
[FONT=&quot]3. Mail on Sunday: 10.11.19[/FONT]

The vouchers will be valid from Friday 08.11.19 until Thursday 14.11.19 (close of bussiness)

[FONT=&quot]I am living in London so for So this Friday I will make sure I get the Voucher from Metro to be spent during the Weekend in Lidl for £40+ which include at least two bottles of Lidl Champagne Range. [/FONT][FONT=&quot][FONT=&quot]Close to Christmas season Lidl will normallydo have Champagne on sale [/FONT][/FONT][FONT=&quot][FONT=&quot][FONT=&quot]for less than £15 (normally about £12)[/FONT]. [/FONT]If not available then it might be wines and/or sparkling wines and other stuffs to make it £40+. Frozen turkey might also be included when the price is reasonable price.[/FONT]
[FONT=&quot]
[/FONT][FONT=&quot]For about £40 I will have enough bollies, wines for Christmas and New years. [/FONT][FONT=&quot]I believe I have answer this challenge are not I??[/FONT]

lessonlearned

Adindas.....thanks for the heads up about the Lidl vouchers I'll definitely try and grab one.

Have had some fabulous champagne moments......

Cooked a nice lunch for DS2 and his partner yesterday. He did a couple of little jobs for me, bless his heart. And his partner bought me a lovely bunch of flowers. Had a great time with them.

It's so nice to see my boys doing well and happily settled with their lovely girls. I can relax now.......My work is done.....:rotfl:

Met a friend for lunch today, enjoyed a nice girly gossip catch up. Beautiful warm sunny day here but it feels quite chilly tonight. I am warm and cosy and set for an event of Hygge.

adindas

You are welcomed

lessonlearned wrote: »

Adindas.....thanks for the heads up about the Lidl vouchers I'll definitely try and grab one.

Have had some fabulous champagne moments......

Cooked a nice lunch for DS2 and his partner yesterday. He did a couple of little jobs for me, bless his heart. And his partner bought me a lovely bunch of flowers. Had a great time with them.

It's so nice to see my boys doing well and happily settled with their lovely girls. I can relax now.......My work is done.....:rotfl:

Met a friend for lunch today, enjoyed a nice girly gossip catch up. Beautiful warm sunny day here but it feels quite chilly tonight. I am warm and cosy and set for an event of Hygge.

mrs_slapshot

lessonlearned wrote: »

Mrs S. thanks for the book recommendation. I think I will get a couple of copies for my boys as Christmas presents.

There isn't really that much information about FIRE in the U.K., especially investments, tax etc. Many of the books and blogs are American so although the principles of course remain the same (spend less, save more:rotfl:) the actual detailed financial information tends to be geared to the US.

My boys are both mid 30s and whilst both are quite savvy I think the eldest in particular could do with a bit of advice. My youngest and I often talked about FIRE and a F U fund when we lived together and he has taught himself a lot about investing and is pretty clued up.

I have read quite a bit round the subject - pity I didn't grasp it when I was younger. But hey, better late than never.

I have done my financial review of October and my budget for November. It's looking quite healthy. I shall be switching banks and opening up savings accounts in the New Year.

Great idea to give to your boys - I keep trying to preach the message to my son but he's only 18 and doesn't listen to me...that's not fair, he does listen but I think he feels retirement is such a long way off...

I'm glad I made certain decisions while I was young (to join a pension scheme mainly) as that has paid off in a lot of ways. I think I've always had an old (sensible) head on my shoulders which obviously influenced me the right way!

You are so right about the FIRE movement in the UK - I was listening to a US podcast about FI this lunchtime and thinking to myself that someone should get the movement going here!

I've done an export of my budget for the last three months from YNAB (you need a budget - brilliant app) - and I am truly shocked. I can already see a number of areas where I can cut down without impacting my quality of life. Gotta roll my sleeves up and work at it!!

candygirl

Have just downloaded the David Sawyer book, on kindle unlimited .My bedtime reading tonight;)