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Giving every £ a job

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Comments

  • foxgloves
    foxgloves Posts: 13,221 Forumite
    Part of the Furniture 10,000 Posts Photogenic 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
    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!
  • savingholmes
    savingholmes Posts: 29,139 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 £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • lucielle
    lucielle Posts: 11,767 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: 29,139 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 £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
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