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Giving every £ a job

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Comments

  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We are all incensed on your behalf. That they aren't even young adults finding their way makes it seem worse too. Glad you are standing your ground.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Cheery_Daff
    Cheery_Daff Posts: 17,740 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm incensed too! 

    As for gift bags... mine weren't even as complex as drawstring 😂 Just rectangles, with two bits of ribbon sewn into the side hem near the top. Shove the present in, tie the ribbon round 😊
  • joedenise
    joedenise Posts: 18,040 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If I ever need to go to the High Street in the next time I often park in Lidl car park as you get 1.5 hours free parking which is plenty of time.  I then pop in and pick up a tin of tomatoes or a carton of UHT milk and stick it in the pantry.  It'll always get used!  There are no local roads with free parking around!

  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love the butterscotch one too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Blackcats
    Blackcats Posts: 4,063 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @joedenise - we couldn't trust ourselves to buy sensible things in Lidl.  We were discussing chocolate and crisps so we walked away from temptation.
    @savingholmes - my favourite is banana flavour angel delight but its not often on sale in our shops.  

    So today, I'm busy kicking myself for messing up my November grocery budget by completely forgetting a hello fresh order.  I meant to cancel membership after I'd had my heavily discounted boxes but stupidly I didn't.  I must have moved delivery way into the distance and forgotten about it.  To make things worse they chose the meals for me and they are completely uninspiring.

    anyway, MrBC pronounced in a sanguine way that I need to learn from my mistakes or forever be destined to repeat them!  He made me a consoling cup of tea and I've now cancelled my membership and will NOT be tempted by any more discount offers.  I also checked any other subscription services that we have and have cancelled or managed them all.  We do buy our dishwasher tablets from Smol as they seem to work best for us but I've moved delivery to December as we have plenty in stock.  The cat food delivery is moved to December too but he'll be fine as he has a big unopened bag of his personalised recipe food in the cupboard.  So I might be able to salvage the grocery budget.  If not I shall balance the books from my personal spends budget a which I really, really will resent.

  • Cheery_Daff
    Cheery_Daff Posts: 17,740 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sympathies with Hello Fresh, how vexing. I did something similar recently, forgetting to cancel a magazine subscription after the initial 3 for £3 offer 🙄 It made me go through and check everything else too! 😂
  • lucielle
    lucielle Posts: 11,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s annoying BC! Remember getting caught out with Prime. 
    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: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That does sound annoying - it sounds like it prompted you to sort out a load of other things though 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Oh that is annoying, but as SH said, at least it prompted you to assess your other subscriptions. Maybe you can have a November game of seeing just how cheap you can be, you might even end up with a handy surplus in time for Christmas spending in December!
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