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Giving every £ a job

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Comments

  • Sun_Addict
    Sun_Addict Posts: 24,416 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)
  • savingholmes
    savingholmes Posts: 29,087 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 £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
  • ladyholly
    ladyholly Posts: 4,025 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Excellent money saving and good for the  environment.
  • savingholmes
    savingholmes Posts: 29,087 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 £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
  • CRANKY40
    CRANKY40 Posts: 5,931 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: 4,007 Forumite
    Sixth 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: 12,826 Forumite
    Part of the Furniture 10,000 Posts 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
    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)
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