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Giving every £ a job

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Comments

  • Sun_Addict
    Sun_Addict Posts: 25,803 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love Bargain Loving Brits in the sun 😎
    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • savingholmes
    savingholmes Posts: 29,210 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gotta love free £. I'm also debating whether to switch again or set up 'another' dummy account ready to switch.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • ladyholly
    ladyholly Posts: 4,108 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Excellent money saving and good for the  environment.
  • savingholmes
    savingholmes Posts: 29,210 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It is crazy when kettles escalate to those kind of prices!

    Well done on re-using your Mum's phone. Hopefully it will remind you in a good way of her.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • CRANKY40
    CRANKY40 Posts: 5,949 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    The £80 kettle row would be the bit of our shopping trip when the House Troll says "Mum can you say that a bit quieter" as I'm wondering out loud how anyone can justify charging that for a kettle. When I was young (when dinosaurs roamed the earth acoording to the HT) if the element in your kettle blew you took it to be repaired!
  • Blackcats
    Blackcats Posts: 4,604 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thank you @savingholmes and @CRANKY40.  Your HT is so funny!   My dad talks about the umbrella repair shop in a prime location near his work in Westminster - broken brollies go straight in the bin now.  Likewise my friend's husband ran a tv and video repair shop but had to close down about 10 years ago as there was no demand for repairs with people  just buying new.

    when we were wandering the kettle aisles, MrBC was not really paying attention (I think he wanted to be in a more techy part of the store) so when I said "look at that" pointing out the cost of the kettle he did the classic "yes dear, very nice" type response until I pointed him at the price tag.  Then he got interested in finding a cheaper alternative.

    Trying to have low or no spends until the end of the month.  Needed petrol yesterday but other than that we should be ok.

    it's really cold here again today and the heating is on this evening.  It was glorious yesterday and we saw butterflies on our walk.  Today we just saw grey sky and drizzle.  


  • foxgloves
    foxgloves Posts: 13,474 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @Blackcats - Ditto toasters! Our toaster is on its last legs according to Mr F. In actual fact, 2 of the 4 toasting slots have ceased to work, leaving 2 which still work perfectly well. I looked at toasters when we were in a big store recently & couldn't believe how expensive they were. They had one similar to the one we'd be replacing & it was about £80 !! We've had ours for years, but I'm sure we paid sub-£30 for it.
    Hopefully our old one will continue to toast for a while yet.
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
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