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Giving every £ a job

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Comments

  • lucielle
    lucielle Posts: 11,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Tea sounds lovely with posh cups etc. I’ve had a yearning to make lemon drizzle but I’m resisting as my hips don’t need it!
    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
    Always nice to have friends drop in - and have home made cake. 

    I stocked up on body shop perfume a few years ago - only to find DD also bought me some so I have plenty of 'stock' left to shop from home from.
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lucielle said:
    Tea sounds lovely with posh cups etc. I’ve had a yearning to make lemon drizzle but I’m resisting as my hips don’t need it!
    L
    Does the yearning ever go away.... Asking for a friend.... 
    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
  • lucielle
    lucielle Posts: 11,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @savingholmes tell your friend I’ll let them know….  
    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
  • ladyholly
    ladyholly Posts: 4,021 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done to Mr Blackcats and well to you for getting rid immediately. I used to love cleaning and sorting but it all gets too much these days and I end up doing very little as I get so tired and breathless.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How lovely to pass on the wool to family 
    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
  • Blackcats
    Blackcats Posts: 4,006 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Just lost my rambling post, so to summarise

    thank you @ladyholly and @savingholmes

    I've spent a disproportionately high amount of our grocery budget for this point in the month but I'm going to try hard to get back on track.  The grocery challenge really helps me to hold myself accountable.  We are away for 1 night soon so I've got 13 days to cater for.  We were lucky and got gammon steaks, apple crumble, bread, easy peelers and bananas from olio and there's plenty in the fruit bowl, cupboards, fridge and freezer.  

    Thanks to @EssexHebridean I'm going to use my £1 coop voucher towards milk tomorrow.  I also got £10 off chocolate or wine from Ocado.  I do my dad's shopping with Ocado so technically it's his voucher but he said I should treat myself.  I was going to buy wine but OH doesn't drink it so I've bought a green and blacks box that we can share.

    I think I've convinced myself that we can come in within budget.  Although I'm not yet in the mindset that the budget is a maximum limit and not a target to aim for.

  • foxgloves
    foxgloves Posts: 12,816 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Must be something in the air, @Blackcats, as there's been a bit of clearing out going on in the Man Cave here at Foxgloves Manor, too.
    F x
    2025'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)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good olio haul
    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
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