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Giving every £ a job

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Comments

  • I'll bet you love that "clink" is it as good as colouring in a square though?! 
    I'd be a little annoyed if I was paying for 3 courses, but was just having a main and glass of wine. I suppose it all depends on what's already established though. And it's great you had a good time :smile:
  • Sounds like you are doing great! 
  • Blackcats
    Blackcats Posts: 4,415 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thanks Fran.  In a moment of understanding the bloomin obvious I've noticed that so far this month because I haven't really bought anything other than essentials and the expensive meal out, well guess what - I haven't spent much money! 
    However, I read on Foxgloves' diary about Orla Keily cake tins and was straight on the internet having a look at that range and almost convincing myself that I really, really needed a beautiful new canister for my tea bags.  I didn't succumb but I even surprised myself at how quickly I was gazing with desire at a canister.   

  • foxgloves
    foxgloves Posts: 13,237 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    But Blackcats...... Foxgloves had been looking to treat herself to a magazine subscription (from her Personal Spends, of course) & the cake tins were FREE!
    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!
  • "I didn't cheat on my budget!"
    "Yeah but you're looking around and that shiny hussey!" 
    "It didn't mean anything, budget! It's you I love"
    *Tearful* "I just feel I'm holding you back"
    "No budget, I love you, we work so well together!" 


    I need to get out more
  • Blackcats
    Blackcats Posts: 4,415 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    ha ha 😂.  Don't worry Foxgloves I'd convinced myself that I needed a magazine subscription - any magazine as long as I could have the "free" tins.  Notice that I didn't ask you on your diary where to find the offer, cos I knew you would easily work out what I was up to.  Oh no, I set out to find the offer myself - slaps own hand on your behalf.
    and Fran, oh yes indeed, that is a great dialogue.  Nearly succumbing to temptation but resisting.  I'm now humming the Heaven 17 song Temptation - you are too young to remember it but I bet foxgloves will be able to sing the chorus with me.  
  • foxgloves
    foxgloves Posts: 13,237 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Lol, yes I can, though was not a fan. I preferred rock....it was that perfect combination of hair, trousers & guitars.
    F
    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: 29,143 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've used products that were years out of date - and eaten them without problems. I draw the line at wriggly things in flour / icing sugar but other than that probably good to go.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
    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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