We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Giving every £ a job

1136137139141142278

Comments

  • Blackcats
    Blackcats Posts: 4,006 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    reporting in to say that the winter bedroom worked brilliantly - in fact I woke up at about
    1am feeling too warm but that soon passed.

    nice sunny day here today so I got some washing done and did the food shop in Lidl which was a bit more expensive than I expected.  

    We have noticed a bulge in one of the car tyres - front passenger side.  We think it was caused by a foray into a pothole last week.  It wasn't a massive pothole but we must have caught it at the wrong angle.  New tyre needed which is very annoying but there is money in the car pot - I just resent having to spend it.


  • Blackcats
    Blackcats Posts: 4,006 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    New tyre will be fitted tomorrow.  OH shopped around and the best price was from our closest garage so he can drop the car off and walk home.  We will pay on the credit card and then transfer the money from savings pot when we pay off the card at the end of the month.  Will mean a teeny bit of interest and a minuscule amount of cash back but it all counts. 

    We are camped out in our garden room which heats up quite well with an electric heater and is a nice change of scene.  We bring tea and coffee down the garden with us and pretend we are in a coffee shop.  I planned to have an admin afternoon but I have made a start on a few things and hit the buffers for a variety of reasons - mobile gone flat so can't receive a verification code, forgot to bring card reader so can't move money out of one account into another etc etc.  so I'm feeling a bit "scattered" lots of things underway but no completion ticks.

    I was reading about being more organised and the article described how disorganised spaces make you feel scattered.  Definitely me today.  Time for another cuppa and to get tonight's chicken pieces marinading in the spiced yoghurt mix. 


  • Blackcats
    Blackcats Posts: 4,006 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Well that's my 2 day working week finished!  

    New household organising system is working well in so far as I know what we want to achieve this month and which of those things are scheduled for this week.  My dad has just added 2 fairly trivial things to the "other people's urgent" list but they are important to him so I'll get them done tomorrow.

    This weekend I'm going to finish the crochet blanket that has been a stop start project for the last couple of winters.  It's used up lots of the wool stash but I've also added my mum's wool to my wool so it's still a healthy collection that will probably be enough for another blanket.  Nice and easy and relaxing when watching tv.


  • lucielle
    lucielle Posts: 11,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like crochet but can only do granny squares, I see some lovely ones on fb. I’d like to go on a course and learn how to do different ones. 
    L
    Total 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 #124
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad things are going well. I managed to be organised for work but lack energy for life admin 
    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
  • CL21
    CL21 Posts: 253 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Just caught up on your diary - a winter bedroom sounds like just the thing! Bad news about the tyre 😒
    Credit Card 1 - £6249.99 £4,900
    Credit Card 2 - £13,481.47 £12,985

    Total debt - £19,731.46 £17,885

    Emergency fund £930
  • Sun_Addict
    Sun_Addict Posts: 24,399 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your week off ☺️
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a nice way to celebrate valentines 
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your time off. It sounds like you hit the right note with your Valentine's celebrations. Blanket sounds very impressive.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.