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Giving every £ a job

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  • lucielle
    lucielle Posts: 11,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Do love a nice candle. I have quite a big one that had tunnelled, tried wrapping it in foil but I think it’s too far gone 
    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
  • I_Love_comps
    I_Love_comps Posts: 2,488 Senior Ambassador
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    Just read through your diary @Blackcats .  I will continue to follow your diary  
    I am a Senior Ambassador on the Competitions Time Board and the Old Style MoneySaving Board.
    If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators.  Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.



    My Diary Link My Frugal Year 2023 My Frugal Year 2023 — MoneySavingExpert Forum

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  • EssexHebridean
    EssexHebridean Posts: 24,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm actually (finally) running a bit short of candles - we have tealights still, not not many larger ones. We do have some salvaged wax though, and I'm certain we also still have some of the wicks I bought a while back so with luck we might be able to create some more - that might be a job for the weekend, perhaps. 
    🎉 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
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  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another win on the shopping from home front on the wax melt.
    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
  • Love a candle.  Ha, that lady you speak of at the front would be me - I have zero co-ordination!!
  • Blackcats
    Blackcats Posts: 4,012 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    edited 14 February at 12:46PM
    @lucielle , @EssexHebridean and @savingholmes - a nice candle or wax melts are such a treat for me and I used to buy lots of them, start to use them then start another, then buy another and start that and so on and so on.  I was surprised at how many I still had because I've been trying not to buy more.  I do get them as gifts though.  Anyway I'm enjoying my shopping from home from the candle cupboard.  Geranium leaf scent tonight.  I wasn't sure I'd like it but it's really nice - a bit like sitting in a Mediterranean courtyard garden.

    @I_Love_comps - hello and lovely to meet you.  Please feel free to join in.  I really credit this diary with enabling me to get into a position where I was able to retire early which was my dream when I started posting.  I'm much more focussed and sensible with money than I ever used to be.  Definitely not perfect but much improved.  I'm so happy to have the freedom to enjoy time with family and friends now that I no longer have to work.  I don't feel like I go without things because I probably bought too many things in the past - eg candles 😉

    @[Deleted User] - you would fit in very well with Monday morning dancercise - lots of limbs flailing around but lots of fun.

    this week has flown by - such a cliche but I really don't know how I had time to go to work!  We've been busy doing bits and bobs for my dad which he's appreciative of.  He treated us to a curry last night which we really enjoyed and brought the leftovers home with us to form the starting point of tonight's tea.  I'm feeling nervous though as MrBC has naga hot vindaloo 🤯.  

    We are away next week for a few days and all the costs including cat care were covered by our holiday savings pot.  It's down to under £100 in there now but our May holiday to the Channel Islands is already paid for.

    I've made a few £'s doing surveys this week including a 5 part survey which runs over a few days.  I wonder if any other MSE chums are attempting to learn some words in another language?  I now know how to say crab and carpet if I'm ever in certain parts of East Africa!

    apparently dinner is served - it's gonna be spicy!!
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,940 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 15 March 2024 at 7:53PM
    Best of dinner luck to you and Mr BC.

    I thought of you both when I saw that bay of E are putting their sellers fees up, so might be worth prioritising sorting and listing any higher value items (or particularly annoying items you want gone) with enough time to sell before you get a smaller cut
    https://www.moneysavingexpert.com/family/selling-on-ebay/#n2k-4

    Away for a few days now you know how to say crab and carpet in parts of East Africa? Blimey, you're a dedicated survey respondent 😁
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 59

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • redofromstart
    redofromstart Posts: 5,947 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I would also be the random waver of uncoordinated limbs. I wish I had any sense of timing whatsoever. I hide in the back row (at home) and try not to fall over the cats. 
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I too am very uncoordinated.

    Good that you are enjoying your previous purchases - the worst thing is when you don't even like it any more or it has gone past any reasonable use by date and spoiled.
    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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