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Giving every £ a job
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My to do list spends most of its time being put off and the list just gets longer. My brain is willing but the energy level isnt.
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I would so love to only work 2 days a week. I’ve always been full time apart from a few years part time when my children were young. Thankfully I enjoy my job and it’s very flexible.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Recharging batteries sounds like something we all need right nowAchieve 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 10/10/251 -
Thank you LH and SH.
SunAddict I am really relishing the flip of my work life balance ... from 5 days work and 2 days off to 5 days off and 2 days work. Could you do flexible working such as a 9 day fortnight? As a carer I'm sure this would be allowed. You could even forget to mention to Mr SA that you were having a non-working day and go out with friends 😇
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This week we have had a lovely trip to a local garden for their festival of food. We agreed in advance that we would spend some money but would have a budget for treats. In the past we have spent absolute fortunes on sauces, pickles, cheeses, olives etc. this time we bought a packet of chilli sausages which we had for dinner and which were very, very nice. we bought a Malay rendang spice mix which we made in the slow cooker and gave us 3 meals and we bought a bottle of toffee apple cider from Kent which is chilling in the fridge ready for Friday night. We really enjoyed making our choices.
we took lunch with us which we ate in the sun listening to live music. This is the place that sells a slice of cake for £4.75 so I dread to think what our lunch would have cost!3 -
It sounds a lovely day out and fab work life balance! I'm hoping that they bring in 4 day weeks for the same £ while I'm still working for a living. That would be fabulous!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 10/10/251 -
Here is a photo from the food and drink festival. I took the photo innocently because of the beautiful Autumn colours but now I see an interestingly shaped vegetable in the front row.🤦♀️. For those of us who remember That's Life on a Sunday night this might qualify as an "and finally Cyril" moment
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Lovely autumnal colours but oh that vegetable 🤣🤣 I follow Two Chubby Cubs on FB and they would love that, can just imagine their comments 🤣🤣I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Gotta love it!!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 10/10/251 -
Have been getting ahead with present buying. There are a disproportionate number of family birthdays in November, December and January which pile on the spending with Christmas. I do have a Christmas pot which has £1000 in it - I'm proud of this as I've been building it up all year. For 2023 I'm going to convert this to a gifts pot to cover birthdays, Christmas and other ad hoc gifts. I really enjoy sending little presents to family and friends that I don't see very often. Last Easter I bought Alfajores from Sur Chocolate - they are Argentinian cookies but each one is like a work of art - everyone loved them and it was a great way of connecting, so I need to budget in advance for spontaneous gifting.
a shopping from home win today ..... I have a thermal drinking flask that I use on our walks and the rubber insulating sleeve has finally perished. As I browsed the big river website looking for a completely new flask OH suggested that I could knit a cover for it. So I got a ball of chunky wool out of my stash and I've made a crochet band to wrap it in. Very happy with that and it was fun to make.
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