Moving forward and upwards

MovingForwards

Thanks LW2G, can't beat a good spreadsheet!

We fell asleep after the soup, I've had peanuts for pudding.

savingholmes

Glad you got some more rest. I think with the money - treat yourself if you can - I think it is too easy to delay living and enjoying yourself...

MovingForwards

Thanks SH

I'm trying to think of something tangible as was belated cake day money from my reconnected family and some is Christmas money from TomBo's family.

I'll probably buy jewellery otherwise it will get spent towards my next trip, which isn't a nice use of it.

savingwannabe

Hello my lovely, glad you had a restful few days. You buy anything you feel like well done on OP, i have never met anyone that can OP as well as you. I got back yesterday I took down some decorations last night and am going to clean the house as i cant go out as i have a cold. lol still i will save money. 

MovingForwards

Thanks SW, hope you feel better soon.

I do my best with O/Ps and try to stretch money far and wide.

TomBo is working all day today and tomorrow.

I've had a lie in and got up just before 9, been chilling on the sofa and I've just put a film on.

MovingForwards

TomBo asked me to drive him to work tomorrow and feed SILs furballs on my way back. I might pop in to the antique shop after that. It's up to me if I want to collect him in the evening, but I'll have to feed the furballs again so may as well get him. 

CF payment comes out tomorrow and I can get my year end financial round up posted.

We had pheasant soup for tea as TomBo didn't have the energy to make a proper meal from the roasted one. It's an ok bird, but I wouldn't go out my way to buy it.

MovingForwards

2021 year end financial update.

Assets:
Savings £5,350
Car everything £231
Float £50
Pensions £17,500
Flat over 23% equity
Car over 50% is mine

Debts:
Mortgage £60,000
Car £2,333
CC £1,100

Plans for 2022:

CC paid by end of February
Car paid by end of June

Mortgage O/P £1650
Save £2,250
Car everything £1,200
SIPP £900
Trip costs £1,000

I'm hoping to knock £5k off the mortgage with O/Ps and monthly contractual payments and will do the same as this year, keep closely tracking it during the last quarter.

The SIPP doesn't look much, but I'm paying into my work pension too. I've worked it out that I only have to add £65pm to potentially reach £1k per month at SPA. 

My plans don't look too ambitious for 2022, due to buying my car and the bereavement, it's swallowed up my usual spare money; I will be incurring trip costs as I try to wrap everything up.

Hopefully I'll be back on my financial track by the tail end of the year.

savingholmes

Well done on your plans. You've achieved loads from not a huge income - so proportionally you are doing amazingly well. 

Hope you manage to find a positive use for your birthday money that brings you joy.

MovingForwards

Thanks SH, I forgot to acknowledge I've achieved a lot on a little, it does surprise me how I make every penny work for me. While it would have been nice to have a bit more saved, provided everything is higher than the previous year end I'm happy 😊

I popped to the antique shop, saw a few things but nothing I thought was good use of the money or where to put it in the flat without making it cluttered. Instead I added a few things to my watch list on 3bay and was offered a discount on one; got a nice pair of earrings coming for £2.79, leaves me just over £47 to spend.

On the way to get TomBo I stopped off at T, picked up some reduced price Christmas things, reduced priced veg, some pop, bread etc and spent under £6.

savingholmes

Sounds like a good day