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Giving every £ a job

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Interesting on the brownie. Well done on the walk and pre-planning to reduce costs.
    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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the grocery challenge. I need to add up all my figures as I usually miscount somewhere along the way...
    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 work on the GC £45 is not to be sniffed at!
    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
  • Cheery_Daff
    Cheery_Daff Posts: 17,605 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent work at the grocery challenge, and the brownies!
  • Sun_Addict
    Sun_Addict Posts: 24,419 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I barely get past the free bakery item in Lidl just lately. Our local one has become very badly stocked and I’ve been going to Aldi instead. My DD works at Morrisons so I get family discount and tend to do most of my shopping there. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • QueenJess
    QueenJess Posts: 4,621 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Ooh, the last month, I’m so jealous! Stupid bullying and politics from people at the top in my organisation this week as usual and I can’t leave. It’s far easier to ignore if you are imminently leaving!
    2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟
    2025 use up challenge: 406🥉🥈🥇💎🏆
    Big kitchen declutter challenge 137/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • foxgloves
    foxgloves Posts: 12,826 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I've used elderberries for making wine (ages ago, but it was good stuff!), as a component of hedgerow jelly & also elderberry vinegar. The latter is good in stews (just chuck a dash of it in) & very soothing for a sore throat when
    n a spoonful is mixed with hot water.
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks - I will consider the grocery challenge... 

    Good luck with you last month full time. Soon you'll be able to wave goodbye to the lot of them.
    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
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