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Giving every £ a job
Comments
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The car is a win, well done. Sorry about the council not agreeing with your findings.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1242 -
Ooh pink Prosecco 😋 I’m another life long stationery fan. I had a toy post office as a child and loved it. I think I was actually born to work in an office, rather than play with dolls I played at offices 😆 The tax will resolve itself eventually, it’s always all over the place when there’s a change. Boo to the council tax outcome 🙁 Great news about the £100 voucher 🥳I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Great news on the voucher and the 1% cash back. Councils are an absolute nightmare for tax; much prefer the NI rates we pay here.My sister had a toy post office and a postman pat my granny knitted her one Christmas. We spent hours playing with it. Still love stationery so much (and yet everything I do is online!)Credit Card 1 - £6249.99 £4,900
Credit Card 2 - £13,481.47 £12,985
Total debt - £19,731.46 £17,885
Emergency fund £9302 -
I love stationery too 😂 I was very excited to find a box of nice pens reduced in the supermarket, only to find today they were felt pens! All very well, but no good to write in my notebook!
And I don't want to make you all jealous, but from age 13 to 18 I worked in a local newsagent/sweet shop 😂😂 No post office, but lots of jars of sweets 😁4 -
Massive stationery fan too.
I had a toy post office too.
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 -
Oooh for me it’s post office or library. I used to love getting a pic n mix from the local post office - my brother and I then used to hide in his cupboard to eat them (why?!)
great news on cash back and voucher, annoyed at the council for you! Tax is always troublesome - I detest it! But presumably you’ll get a nice repayment at some point?2 -
Thank you for your comments and sharing the stationery stories. @cheerydaff that sounds like an amazing Saturday job. My first Saturday job was in the menswear department of British Home Stores and was very, very boring. I took a 20p per day pay cut to move next door to Salisbury handbags .... bags, purses, earrings - utter bliss. Even with staff discount I sometimes spent nearly all my wages in the shop.I had a toy post office set too and a rather fabulous til that dinged when you opened the drawer. And I loved playing libraries too - making little library cards for my toys and writing out borrowing slips for them.Yes indeed I think the tax must surely sort itself out. I've decided that I will still top up my savings pots this month but with much reduced amounts so I will still feel the achievement of making payments to the savings.
I've had a nice weekend and am relishing the Sunday night and no work tomorrow feeling.
we took some of the grandchildren out for breakfast yesterday at the local brewers fayre. It's £10 for an adult and children eat for free. These kids are fussy eaters but between the cooked breakfast, toast, pastries, cereals, fruit and yoghurt there was something to please everyone and it was good to see them choosing and enjoying their food. The fussiest eater of them all was cajoled into making themselves a bacon sandwich to try which they devoured and declared delicious. It gives their parents another breakfast or lunch option.
We make lunch for my dad on a Sunday and this week was a real blast from the past. Birds 👁 chicken pies, mash, cabbage and carrots and peas. We all really enjoyed it. I remember as a child my mum made most of our dinners from scratch so the chicken pies were a treat. I also recall a boil-in the bag chicken and mushroom casserole with a separate boil in the bag of rice which I thought was very delicious. We never had rice as a savoury dish only ever had rice pudding.
I'm going to make a cuppa and do some more crochet. I put my 3/4 finished blanket away when I was making the flurry of blankets so it's nice to re-start it and it keeps me warm while I'm doing it. Another big bonus is that very unusually for me I've sewn in a lot of the ends so it won't take much finishing off. I brought home a couple of balls of wool from my mum's stash which will be nice to incorporate.2 -
My mum and dad also made everything from scratch (big into Cranks in the 80s) and the occasional angel delight was a massive treat - butterscotch was the favourite. I tried giving it to DD and she declared it ‘disgusting’ 😂Credit Card 1 - £6249.99 £4,900
Credit Card 2 - £13,481.47 £12,985
Total debt - £19,731.46 £17,885
Emergency fund £9302 -
Oh yes, angel delight was my favourite pudding. Banana flavour with sliced banana in - what a treat.
money saving wins this week- I've nearly finished my audiobook - Geneva which is very good although perhaps a bit far fetched. Instead of buying a new book for £'s before my credit arrives I've found some good reads in the included with membership section
- Finished shopping for January and will be about £60 under budget. Very happy with that. Christmas leftovers helped a lot.
- Set up a donor bank account in order to benefit from switching bonus when available. Still need to set up a couple of direct debits.
I've instigated a new system to help keep organised and simplify my life. Effectively I run my household and my dad's so that explains to me why I sometimes feel overwhelmed.
I've now got a master "to do" list which includes short term and medium term things to do. Then each day I pick a couple of tasks to deal with. What I've noticed is that the quick wins are the most attractive to me and I need to calibrate my priorities better. Important v urgent etc. it's working so far although I'm only 3 days into doing it 😁
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@Blackcats - Interesting about your new household management system & master 'to do' list, especially that youa re finding you are prioritising the quick wins. This is kind of the reason I stopped writing out daily 'to do' lists. I used to be a regular on the 'Small daily DFW things' thread because it was a good match for my 'daily list' method of management. Despite previously having been evangelical about them, I stopped writing a daily job list because I'd noticed that I was ticking things off, but not really prioritising. Some of these lists were pretty long & I'd feel so motivated seeing all the crossed off jobs mounting up. What was happening though, was that apart from the really ultra-urgent stuff, I was cherry picking the jobs I most fancied doing & because I loved crossing off, I'd also be going for say, 6 very minor things rather than 2 of the tasks which I really needed to do. So I pretty much abandoned my daily lists & although I do make good practical use of my diary by writing in things I need to get done by a deadline, I now think much more about the overall 'shape' of the week - i.e where would I like to be by this time next week. I've found that this approach tends to move projects on better, & most of the stuff I used religiously to write on my daily lists still gets done anyway because it's basic household management.
So I do agree that a task list of any type requires some system of prioritisation & while urgent V important takes me right back to time management training courses, I do think it has a role on the domestic front too.
I bet you will have your coloured pencils out again.....
F x2025'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)4
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