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Giving every £ a job

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Comments

  • foxgloves
    foxgloves Posts: 12,871 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Funny you should say that, Blackcats, because I picked up a pretty address book in a shop last weekend, then had a word with myself & put it down again! My address book is perfectly pretty (kittens!) & has plenty of pages left. I had quite a few crossings out, but have now put sticky address labels over those, which is more sustainable than buying a new book. I have been an absolute horror for buying stationery in the past - a love which began in childhood when I was very often thst child in the class who had the best felt tips, coloured pencils & interesting rubbers!
    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
    You sound like you are in the zone Blackcats - with the 3 for 2 offers, points and vouchers. Have fun!
    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: 11,605 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Can you use pencil in your address books then you don't have crossings out.  I had a friend who was forever moving so she was in pencil
    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
    I was a stationery fiend growing up - and had beautiful unique covers - what wait I still am LOL
    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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