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Giving every £ a job

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Comments

  • Good work on checking your christmas stash before going out and buying more - I know we are a little low on wrapping this year but will scrabble around and see if I think we have sufficient. We buy far fewer presents now than we used to, and I think I have a fair number of gift bags anyway (those get recycled round the family - including the "family heirloom" joke one that's being doing the rounds back and forth between me and Mum for somewhere around 20+ years now!)

    We also made use of the NT free pass - visited a property near somewhere we were out of our local area earlier in the month and it was a thoroughly lovely day out - also involving a £12 cafe spend! we were members for a while years ago but there just aren't the properties near us to make it good value now unfortunately. 


    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • Ooh I get crosser every time you mention them, EIGHT HUNDRED EUROS?!! You should get in touch and say now you're retired you need that money back!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

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  • Sun_Addict
    Sun_Addict Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    €800 😱🤬 Thank goodness you’ve put a stop to it now. 

    I’ve got a stash of gift bags that do the rounds over the years. If anything is awkward to wrap it goes in a gift bag with a bit of tissue paper on top 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Cheery_Daff
    Cheery_Daff Posts: 17,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've made some simple fabric bags over the last few years, I love using them, but everyone wants to keep them so I have to keep making more, as they then pass them on to other people 😂 I tell them they can keep them IF they're going to use them - if they're going to forget them in a cupboard I want them back! 

    Made them from festive charity shop table cloths last year - must keep a look out for some more.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the gardening. I'm sure they will be very cheerful when they all flower.

    Definitely voting for the trip to the Bahamas instead.

    Hope you have fun with your creative projects.
    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
  • Ooh I get crosser every time you mention them, EIGHT HUNDRED EUROS?!! You should get in touch and say now you're retired you need that money back!
    Just this post ⬆️ every single time. I am consistently fuming on your behalf

    They bought you a coffee and said take it off their debt?! Aye, a month in the Bahamas would be cheaper, as would instructing a solicitor to get the debt plus interest. What an absolute cheek 

    Glad you enjoyed some sunshine and gardening though 😁
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

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  • Congratulations on your retirement and slightly aghast at your cheeky spongers of relatives. Glad you stood your ground on not paying for their meal and next time they ask for money remind them you are pensioners and there is no spare money for them. 
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  • EssexHebridean
    EssexHebridean Posts: 24,717 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Spongers is about the kindest thing I would call them - honestly, words just fail that there are folk like this in the world - I very much hope that they don't have other relatives who they live off in this way, and so your withdrawal of funding will leave them thoroughly in the do-do! 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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