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Giving every £ a job

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Comments

  • Blackcats
    Blackcats Posts: 4,015 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    thank you SH, SA and Lucielle.
    still feeling energised after my holiday but I've been putting off adding up what we spent whilst we were away.  It's interesting behaviour because when I sense I'm on track I like updating my spending tracker and when I know that I'm likely to have overspent I keep procrastinating about updating the tracker.  It's similar to my old habit of not opening credit card bills which somehow meant that if I didn't know how bad it was then it was probably ok 🤦‍♀️.  Good job I'm not the Chancellor .... actually I might be well suited to that role 🤣
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think we'd struggle to be much worse currently. I don't envy them trying to sleep at night - when a mess up costs billions.

    Good luck with making yourself do the tracker. I'm like that with dieting and going to SW - happy when things are going well, avoidant otherwise.
    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
  • ladyholly
    ladyholly Posts: 4,028 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad to hear you had a good holiday.
  • Sun_Addict
    Sun_Addict Posts: 24,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I never tot up holiday costs, I save a set amount in advance and if it’s all used up so be it. Sounds like it was money well spent, you can’t put a price on good memories. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the French elements. Well done on reclaiming and simplifying the space and making it more beautiful. Even better that you shopped from home!

    Good to make memories. Good to be generous too. A cheerful giver is a lovely thing.

    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
  • ladyholly
    ladyholly Posts: 4,028 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad to hear you are enjoying your shorter working week. Personally although I enjoyed my job I cant say I dont prefer being retired.
  • Well done on adding up the holiday costs - even if the pot is empty, you had a pot in the first place and you've had a lovely time! It's probably given the family members a huge boost too given their financial situation 😊 

    It's nice to hear that you're feeling less stressed now that you're on a two day week- it sounds like it's a much better balance for you...well done on being so productive in your home too - personally I've done very little since I've 'retired' 😳🤦‍♀️ admittedly I've had a lot of unexpected external distractions but I need to make a start so will hopefully follow your lead! 
    'Happiness is not a destination but the journey you walk every day'

    Weight loss challenge 2024:
    Start weight: 9st 13.1lb
    End weight: 8st 13lb

    Weight loss challenge 2025: 
    Start weight: 8st 6lbs
    End weight: 

    Nov GC: £0/£350

    JSF: £502.99/£2000

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

  • Blackcats
    Blackcats Posts: 4,015 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you SH -  a cheerful giver is a lovely description and I think I managed that whilst on holiday.

    thank you LadyHolly - it's definitely a good feeling to have more time.  However, I was very unproductive today .... most of the to do list is now a carry forward until tomorrow

    thank you @leftatthetrafficlights.  I must have put a good gloss on my productivity ... I haven't achieved much really.  I think there's an element of re-charging of batteries that you and I are probably doing at the moment.


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