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Giving every £ a job
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A billion? It's obscene surely!!
Anyway happy new year!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
@savingholmes - it's like a game of fantasy football except the money is real and the players' contracts are very long. Onwards and upwards I hope.
a nice start to the year with a visit to a classic car show. It's included in our membership of a local museum so we were up bright and early and enjoyed a few hours admiring some fabulous cars. It was very helpful to know that we had a home made bolognese sauce in the freezer for a quick, easy dinner - definitely helped us avoid the temptation of a kebab on our way home.
b1 -
Home made sauce is nicer than a kebab any day, great work on having it frozen- and remembering!
Glad you and Mr BC started the year with a day out, very productive. I was pleased with myself for going up the high street!1 -
Well done on avoiding the takeaway.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
We had a takeaway on NYE, stemmed from when I used to work till 7.00pm in the supermarket on both Xmas eve and nye. Always went straight for a takeaway for tea when I had finished work. Wont be having another one till the end of the month. It’s a treat for me, as DH doesn’t cook and it’s the one night I have off from cooking. X:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.002
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Glad you had a lovely christmas in spite of tears over the bread sauce - funny the things that spark memories isn't it, although I have to say I also wouldn't have it any other way, it's those sudden flashes of memory from the otherwise seemingly mundane that often serves to keep people alive even after they are no longer with us physically, for me. (And in the true spirit of this, the radio has just played Status Quo "Rocking all over the world" which was played at my Dad's funeral - timing or what?!)
Loving the idea of a New Years Day feast as well - we had a delicious roast dinner and thoroughly enjoyed that!🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
@amber03 - I can imagine that by the end of your Christmas/new year supermarket shifts you would definitely enjoy a takeaway treat. It's easy to forget how hard some folk have to work over the festive period. I always think that it must be a real dampener on the Christmas Day fun to see an advert for your company's Boxing Day sale starting at 10am and knowing you had to go to work. I never understand why anyone would really need to go shopping for a new sofa or new bed at 10 am on Boxing Day.
@EssexHebridean - what a lovely way to describe those memory flashes back to things that our loved ones said or did. Status Quo at a funeral is a fab choice. Hope you had a happy/sad moment when you heard it.
getting back to "normal" today. Started with a swim and for about 20 minutes we had the pool to ourselves and felt like Posh and Becks in our own pool with our own lifeguard to keep an eye on us. Fair to say that we couldn't look less like posh and becks if we tried! Leisure Centre cat was asleep in a patch of sunshine in the entrance lobby.
we are tidying up our Christmas stuff ready to pack away but keeping out our fairy lights which make the fireplaces look so pretty. I'm also keeping out a small lit twig tree and plan to crochet some flowers in pastel colours to turn it into a spring tree.
I used up as many of my mum's Christmas cards as I could which meant I didn't need to buy any cards this year. There are a few cards and envelopes left but they don't match up so I've turned them into shopping list cards rather than waste them. My scrap paper folder is full of glittery robins and sparkly Christmas trees. Not literally in case anyone is worried about robins being held captive in a folder.
I bought Christmas cards for this year in the Whistlefish sale using the last remnants of my Christmas 2023 saving pots. Have stashed away the gift bags that we were given.Off to Lidl now with a shopping list on the back of a card depicting a procession of choristers going into a snow covered church. My mum definitely had a certain style of card that she liked 🙃4 -
I chop up my Christmas cards into gift tags. Trouble is I don’t get as many cards and *whispers. I’ve had to buy some tags ( hangs head in shame) I did wonder about sticking post it notes on….
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 #1241 -
What a productive day Blackcats, well done to you and Mr BC for getting back to swimming so quickly. I hope you sang your shopping list in your most angelic choir voice in Lidl
@lucielle I usually cut a strip of wrapping paper to write names on instead of tags. Before wrapping the gifts I should add! Also a good use of left over wrapping paper that's a bit too crumpled/sellotaped to reuse in its entirety2 -
Hmmm hadn’t thought of that.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 #1242
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