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Giving every £ a job
Comments
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Glad you had fun celebrating. Love the cat picture. Good to make memories.
How exciting the £ all arrived in your account. As you say good that you now know how to practice restraint!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 -
Thank you SH - yes indeed to practising restraint.
I still don't know accurately what my monthly income will be as I think month 1 was was based on a slightly different number of days. I've done November's budget and I hope that December will be more accurate.
I've spent the evening lost in the world of the Christmas food channel 🤷♀️ - I've got some ideas for family meals but it's proving difficult to stop watching. I'm even watching Jamie O making smoked trout pate and I don't even like trout!3 -
That kind of viewing is addictive and worse - makes me hungry!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 -
Just caught up on your dairy since August - congratulations on the part time and doing so well with all your budgeting!!
lots of love x1 -
thank you Rebecca - lovely to see you. Hope you are doing ok?
I'm loving working part time. Budgeting is still work in progress but I'm getting better.
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Had a nice weekend which included visiting family.
we were sorely tempted by a takeaway yesterday evening when we got home, but we resisted and I made a chilli chicken chowder using a simply cook kit. We had all of the ingredients and I cut some pitta bread into strips, sprayed with oil and sprinkled with chipotle seasoning - 4 minutes in the air fryer and they were a perfect accompaniment to the soup.
I bought some new walking shoes yesterday - they were half price but they are so functional that I'm not very excited about them. I found a very nice pair with sparkly laces but I had to agree with OH that they probably weren't quite fit for purpose 🤷♀️4 -
I’m always attracted to sparkly things rather than functional, it’s hard to get out of that mindset.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Have a look for sparkly laces on the big river shop. I picked up a lovely pair for a couple of quid a few years ago.2
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Thank you @flipflopflo - that's a good idea. I'm wearing the shoes around the house today to get used to them and check for any uncomfortable places and they are really, really dull. Not helped by OH saying that he thinks they are very nice and he would wear them. I think sparkly laces will definitely enhance them.@ladyholly we are facing a difficult decision about our eldest blackcat. He has been odd for about 3 weeks and now won't come out of his bedroom, he isn't eating very much and his back legs are very weak. He is a rescue cat and is petrified of being put into a basket and taken to the vet. He seems very content, purring and affectionate but he is undoubtedly poorly. It's heartbreaking and very difficult.2
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Blackcats said:@ladyholly we are facing a difficult decision about our eldest blackcat. He has been odd for about 3 weeks and now won't come out of his bedroom, he isn't eating very much and his back legs are very weak. He is a rescue cat and is petrified of being put into a basket and taken to the vet. He seems very content, purring and affectionate but he is undoubtedly poorly. It's heartbreaking and very difficult.I am so sorry to hear this. As you are aware I understand completely understand how hard it is having just lost two dogs in 4 days. Just a thought is your cat basket one of the plastic type ones with a door at the front. If so he may be scared of being closed in and might be more comfortable in a basket type one that he can see out of all round him. I am probably barking up the wrong tree but thought I would mention it.My friends cat and my mothers would disappear the minute they had a vet appointment even if their basket had been out for days.

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