📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

*sigh* this may take a while

1109110112114115174

Comments

  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Also the amount it teaches you about workplace etiquette too - there is such a drive these days from some quarters that children must be “allowed to express themselves” - and if that means speaking over adults, shouting to be heard and taking no time to listen to others then so be it - but when those children subsequently arrive in a work place and behave like that they are going to have a very rude surprise I suspect. Having part time jobs and even full time roles during holidays gives such a good grounding around expected behaviours, it’s always going to mean they are several years worth of experience ahead of peers who’ve not done that. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Thanks EH and Theoretica
    I agree, lots of valuable life experience to be gained.  Fingers crossed she bothers to find something.... when she turns 18 in spring there'll be more options open to her work wise and I think the minimum wage increases, which might entice her more.
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you have a relaxing half term. You deserve a break I'm sure. Hope things with DD settle down. 
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Some great goals there. Good luck with them - especially the gifts one. That's a real challenge for me too.
    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
  • Nice goal-setting! I agree that things like Christmas approaching can be a great incentive to knuckle down a bit more to the MSE type stuff - although that feels counter-productive as so often it's such a spendy time as well! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Thanks DAL, SH and EH

    Erm, so, considering I was supposed to start yesterday, I made a very dodgy start :D  I got last minute theatre tickets yesterday for a play DD2 has been wanting to see and we went for dinner first.  Oops.  It was all quite reasonably priced and I paid for it out of my personal spends so no impact on the budget.
    However, same can't be said for my calorie counting at dinner :D I did hit 13K steps though, so one target met.

    Have been better today, took them all to the cinema as planned and got sweets in advance and made them a bag up each.  £4 on sweets instead of £15-20 for Pick n Mix.  I had a whole load of change and swapped it for pound coins with my youngest son.  He loves 10p and 20p.... I did swap the correct amount, I didn't cheat him :D So I got rid of change and sweets bought without touching bank account  o:)  Probably only going to get to about 6k steps today though.

    Lazy day tomorrow, seeing a friend for coffee/cake and we're going round to her house.  We're going to bake cakes in the morning to take over rather spending £5+ in Mr W.  Saying that, the amount of icing and sprinkles my kids put on cakes, it would probably be cheaper to buy cakes at Mr W :D They love baking though and it keeps them off their screens.

    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Theatre trips are always fab, my list keeps getting longer, unfortunately the one we have booked in a few weeks I may not be able to attend now though. The girl can't get time off work, was booked two years ago pre covid and the seats were about £13 each so if we end up missing it I won't be too put out. 
    Debt free Feb 2021 🎉
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you are making memories and doing all the right things to keep costs within budget. Great money management... Sprinkles... yum... cake - share a piece?
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.