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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
    Glad you are practicing self care
    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
  • joedenise
    joedenise Posts: 17,694 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @Blackcats - like you we generally eat lunch out rather than dinner as it is usually so much cheaper.  It also means we can use public transport!  If we go out in the evening one of us has to drive as there are no buses after 6pm where we live which really makes socialising difficult!

  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    @Blackcats I use the Gu pot dishes for beating eggs in and serving small portions of dips etc for crisps or pittas etc 
    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: 3,888 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you SH.  I'm going to focus this week on a range of little self care things - nothing too onerous 
    body lotion after shower
    Jewellery every day (sparkle and shine) 💍
    A few cups of green tea a day
    increase water consumption
    wine only on Friday and Saturday 
    increase veg and fruit intake - making more healthy choices and less sugary snacks (wish me luck with that!)
    Exercise - add in 5/10 minutes a couple of times a day.  I really enjoy get fit with Rick and find myself smiling throughout 
    I've got a fitness app that was free with Voda ☎️ which includes stretches and meditations which I enjoy 

    joedenise - that makes sense with the public transport.  There's something quite decadent about having lunch out whilst the 9 to 5 is underway

    thanks miss RickiC - hope you and baby are thriving.  I'm making a duo of puddings when friends visit at the weekend (how lah di da!) so I'm using the gu pots for a lemon posset and mini Elton mess.

    budget wise, May was expensive but mostly budgeted for, however, the first sight of the credit card balance made me gulp.  Several adjustments needed which made it much better .... £200 from holiday budget to pay for ferry, £230 from appliances pot - trying to look on the bright side, and remind myself that the new appliance should save energy in the long run.  Then £100 for youngest blackcat who developed a limp and hobbled around causing his humans to feel very guilty.  Vet didn't know what caused it so he had a course of antibiotics and anti inflammatory and, touch wood, is fine now.  Cats aren't insured as we didn't know how old one was when we rescued him.  So far it's been ok.


  • Sun_Addict
    Sun_Addict Posts: 24,060 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the self care, a necessity to be honest. I love Get Fit with Rick. I can also recommend the FitOn app, it’s free and has every workout you could possibly want, various durations to suit. 
    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
    Self care plans sound good
    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
  • Your self care plans and desserts sound great!  Sorry about your cat having an injury but glad he seems on the mend x
  • Blackcats
    Blackcats Posts: 3,888 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you SunAddict - it was your recommendation that got me started with the lovely Rick.
    thanks SA and MissRickiC - the cat is absolutely fine now - poor chap really tugged on the heartstrings with his limping and hopping around.

    self care today went well, 3 short bursts of exercise, a walk, ok with water and another no alcohol day (to be honest I don't usually drink Monday to Thursday anyway but no Prosecco last weekend was unusual.

    have been playing with numbers to work out what annual pension and lump sum combination I want.  Lots of figures on a couple of pages in my notebook - will tidy it up and check my sums tomorrow and think some more.   Very exciting and very real now.  The difficult person in my team at work is creating havoc - attention seeking, high drama and a smattering of fibs - so childish.  Helps to know that I'm walking away soon ...
     that helps a lot!!! 




  • Sun_Addict
    Sun_Addict Posts: 24,060 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My work line manager is moving to Dubai in August (lucky her) and I told her to look out for Rick doing his walking workouts on the promenade 😆
    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
    I hate it when people create unnecessary drama - especially when they add lies into the mix. You'll be out of there before you know it and living a life of freedom.
    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
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