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Giving every £ a job

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Comments

  • Blackcats
    Blackcats Posts: 3,992 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Yes Alchemilla - it was a ridiculous purchase by any standards but worse as we couldn't actually afford it.  I've rationalised it in my head by dividing the purchase price by the number of years that I've worn it and that it's worth as much now as when I bought it 😵‍💫 I'm not even convincing myself that I can justify it!

    had a lovely unexpected visit from friends yesterday afternoon.  I made some scones and opened a packet of fancy biscuits I got for Christmas.  We sat and drank tea/coffee and nattered all afternoon.

    it feels very springlike - glorious sunshine and leaves returning to the trees.  Still chilly in the evenings though.

    I'm getting closer to handing in my resignation - exciting - I'm trying to imagine life without work and it doesn't really feel real yet.  I'm going to try and get as much of this year's horrific council tax paid as I can before I finish work.  It's a good way to push myself to save hard.

    bought another premium bond with rounding down from my current account.  I've added a new savings pot for holidays and have put £200 in there.  Building the car pot back up again after the big bill last month - I guess that's what pots are for.  


  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on tackling all the bills and creating savings pot. 

    The weather was glorious here today. 

    Exciting about getting closer to resignation day.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The Ukraine stories are so sad.

    Hugs for another first too. Never easy
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I too almost managed albeit this was my 2nd without her. I’ve only had 2 so far as a mum myself so to have not been able to celebrate those with her really was a shame but she was on my mind all day. 

    The stories are so sad, when you have your own (what feel like) huge things going on, everything else on top is just sometimes too much even to hear. Sending hugs 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • Blackcats
    Blackcats Posts: 3,992 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you SH - you are very kind.  My dad is actually oblivious to any one's loss except his own.  I can understand that but occasionally gently remind him that I miss her too.
    miss rikkiC - so poignant not to be able to share with your mum but I think your mum would be proud of you and the life you are making for your family.

    I've got the rest of this week off work - hooray.  Looking forward to pottering about.  I've got a couple of bits of finance admin to do - been putting them off but will definitely do them - just need to start them 🙃.

    dinner tonight from the freezer, cupboards and olio - salmon and prawn linguine with olio chilli, garlic and basil.  Very nice indeed.  Still no obvious sign of space in the freezer though.  I'm not complaining but I think it is possibly a wonder of science or nature how it remains so full.


  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with changing OH habits.

    Sorry that you're grieving. Good to share stories.

    Glad you have some time for you. Glad Olio is proving good where you are.


    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Great little rebate news! Glad it wasn’t a bill. Sigh of relief! 

    So glad olio is working out for you. I haven’t used it so much recently but have once again this weekend and got some desserts for after dinner which I’m pleased about. 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
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