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Giving every £ a job
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Enjoyed a nice long weekend. Relaxed but we did achieve some things and make progress on others.
Friday night film festival choice was Forest Gump. I'd never seen it before and really enjoyed it. We had a restaurant at home meal too - crab and chili pasta with tender stem broccoli, this week's film pick is OH's choice - Robin Hood Prince of Thieves - I'm sure it will be fine with a glass of fizz.
we've done some gardening and whilst neither of are naturals we've made progress and enjoyed a couple of hours planting in the sunshine this afternoon.
end of month accounts finalised and although we stayed within budget a couple of categories were overspent and a couple underspent which balanced out. I've tried to adjust this months budget to take account of how we are spending. We also have a week's holiday to look forward to with spends coming from our holiday pot.
OH made another good eBay sale yesterday and added £80 to the kitty.On a less positive note I can't find my sunglasses - I'm reasonably confident that they are here somewhere but it's been so long since I've needed them that I can't think where they are.3 -
Try not to think about the sunglasses and then they'll turn up. That's usually how it works for me.
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 #1243 -
We had the same thing with sunglasses just before our recent holiday and found them in the lid of the suitcase from the last time we'd used it!
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Hurrah - finally finished your diary to date BC!
Sunglasses - that's a really good point, I've not a clue where mine are but will almost certainly want them ahead of going away so should probably think about tracking them down. My issue currently is that somewhere in the region of 50% of the things I need to find at any given moment must already have been popped into boxes when we were decluttering ahead of agents photos/viewings! The other 50% were "put somewhere safe" I suspect...
Isn't it fab having trips away covered by a budgeted for holiday pot? We've worked this way for a few years now - it's wonderful not having that feeling of trepidation when the post holiday cc statement lands!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Well done on the garden and restaurant at home meals.
Great to have a holiday to look forward to.
Hope your sunglasses turn up. I have mislaid mine 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 10/10/250 -
Thank you all - there must be a big pot of missing sunglasses somewhere in MSE land - they must all have been furloughed during the long, dark winter.
well I haven't found mine yet - I've been through handbags and thanks to @Joedenise I've checked suitcases too. I've checked the car as well. When they were teenagers my children used to beg me not to put things "in a safe place". I've got a new pair waiting in an online basket until close of play tomorrow and If the current pair are still missing then I'll bite the bullet and buy them which will decimate my personal spends and fun budget which feels like a reasonable penance to me. Apparently "bite the bullet" is a violence based expression and shouldn't be used any more 🤷♀️Getting ready for Friday film night after our Mexican fakeaway. I'm braced with Prosecco for Robin Hood.3 -
@Blackcats - Re you.puttung things in a dreaded 'safe place'...... I notice that whenever Mr F can't find something, he asks "Have you been tidying again?"
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)1 -
@EssexHebridean - I agree about the good feeling of having holiday costs saved up for. It's fairly new for me and in stark contrast to the bad old days when I went on a 3 week holiday to Australia with only credit cards to fund it and that included withdrawing cash on credit cards too. Makes me squirm now to think about it. It was a good holiday although I was probably paying for it for years afterwards.
I'm also happy to have an "entertainment" pot - we love concerts and so we keep topping this up. So far this year we've booked and budgeted for seeing Mike and the Mechanics, Level 42, Rick Astley (never gonna give him up) and 2 outdoor picnic tribute acts. Today we booked for a football match in the autumn - hospitality package and brilliant seats - really excited!Sunglasses are still missing and I've now bought new ones (which means that I'm bound to find the lost ones tomorrow). I'm cross with myself but have made a solemn vow to
to keep the new ones very, very safe.4 -
If you do find the other pair then it's never a bad thing to have spares heading into summer. I try to keep a couple of pairs in my car because I have a bad habit of coming in, taking them off and then leaving them behind the next time that I go out.1
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Hope you find the missing sunglasses. I found mine yesterday - they'd slid down the side of the passenger seat and just got them out before they would have been crunched! Have fun at your concerts when they come round 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 10/10/250
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