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Giving every £ a job

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fantastic haul there. Enjoy
    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
  • QueenJess
    QueenJess Posts: 4,500 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 14 May 2022 at 5:52AM
    foxgloves said:
    I don't think it's got anything to do with green energy, @savingholmes, the entire industry runs on greed & shareholder profits.
    F
    Yes but also it is irrelevant as to whether you are on green energy with your provider or not since it is the mix of energy for the whole of the country that impacts prices as your provider doesn’t control where your electricity comes from. They only invest in green energy to make the National grid greener.

    Providers are just pointless middle men to me..
    2025 decluttering: 3,896🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 333🥉🥈🥇💎🏆
    Big kitchen declutter challenge 107/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • It is totally shocking re the energy companies.  They should not be allowed to hold onto money like that.

    Marmite and cheese crumpets - wow!
  • foxgloves
    foxgloves Posts: 12,581 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yes, Thatcher's privatisation of essential utilities certainly didn't provide the customer choice that was intended/promised. It's doubtless syphoned plenty of our hard-earned money into the offshore accounts of their shareholders though. It actually motivates me with energy saving because I like to think I'm keeping as much of our money out of their pockets as possible. 
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • Blackcats
    Blackcats Posts: 3,889 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Really interesting comments on the powerful power companies.  It's a great tactic to give them as little of our money as possible.  I sneakily turned my dad's heating down 1 degree today - it's like a sauna in his house so I don't think he will notice.  When the promised heatwave hits I'll turn it down again.
    I bought a nin-ja air fryer using a lifetime's worth of nectar points a couple of months ago and I've only turned the oven on a couple of times since we got it.  The food tastes fantastic too.

    I'm feeling a bit unsettled today - I still haven't finalised what's happening at work but my friend helpfully reminded me that I've resigned and I'm retiring.  If they can offer me some part time work that suits me then that's ok, if not I need to stick to plan A.


  • foxgloves
    foxgloves Posts: 12,581 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yes, Plan A keeps you in the driving seat, @Blackcats
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • Sun_Addict
    Sun_Addict Posts: 24,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have 3 Ninjas, not used my oven for 18 months. They’re fabulous 💕
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hmm may ask next door if I can try her ninja oven. My main oven is still broken
    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
  • Yes Blackcats - you are totally in the driving seat x
  • Blackcats
    Blackcats Posts: 3,889 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you for your reassurance about plan A.  I've agreed to full time til end of August (it's a Very quiet month) and then 2 days per week til end of December with a view to continuing til end of March.  No hoops to jump through which is what I was worried about - HR wanting job descriptions, finance wanting business case etc.

    I had a good week with food shopping and olio and I think I'll come in under my food budget this month.  Gas/electricity statement came through today.  It's my first month on the higher tariff and I've used £10 less than my direct debit.  Will aim to build up as much credit as I can before the winter.

    savingholmes I really recommend the ninja.  I read about how sunaddict uses hers and was sold on the idea.  The food cooks so well and is delicious - chips are gorgeous!

    It's such beautiful weather today - we went for a long walk mid morning and took a cheese salad baguette (baguette from olio), some easy peelers (olio) and some home made banana cake - you guessed it, made using olio bananas and a flask of tea for me and coffee for OH.  Not quite a free lunch but very inexpensive and we ate it in the most beautiful location surrounded by beautiful countryside.
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