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Giving every £ a job

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  • Sarahwithlove
    Sarahwithlove Posts: 3,347 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Its always white and blue if I can find them for us, for mine and my mums football team. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Such lovely ways to remember our loved ones .  Flowers can do the job of making us happy even when we are sad.

    feeling pleased with my sant n dec bank account switch.  I've received the £175 switching money, cashback earned is slightly more than the £3/month account fee and I've now put the max £4000 into the 7% savings account.  Received £14 interest for the first part month.  Need to pay in £500 each month which hopefully I'll remember to do.

    I'm glossing over the football and enjoying The Hundred cricket final on tv. 
    And really enjoying my book - The Lamplighters by Emma Stonex - it's a bit different and although I'm halfway through I still haven't worked out what happened on the lighthouse.




  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    No money has been spent today because most of today has been spent trying to rescue the cat from our neighbour's garden.  Blackcat had decided to go adventuring rather than sleeping the day away and at lunchtime we heard some piteous miaowing over the fence in neighbour's garden.  On investigation cat was sitting helplessly at the bottom of the fence.  
    MrBC went into rescue mode -
    first attempt was to try to rationally explain to cat that he could climb onto the shed roof and then onto the fence and then back over to our garden - failed
    second attempt (which was always doomed to failure) MrBC attached some string to the handles of a plastic garden tub, sprinkled in some dreamies and lowered it over the fence.  Cat ate the dreamies without climbing into the tub.  Fail
    third attempt  was a plank of wood lowered over to form a ramp and then a detailed explanation to the cat on how to walk up the ramp -fail

    By now I've ascertained that our neighbours are on holiday!

    so one ladder over-the fence, one ladder wedged into our raised flower bed and MrBC clambers over, picks up a very docile cat, climbs back up and hands the cat to me.

    2 jolly hours spent on this ridiculous escapade.  Cat ate his dinner and is sound asleep on the sofa 😸
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 August 2024 at 9:10PM
    Glad you were both safe despite the cat's escapades! Be careful with that precarious balancing etc! If that'd been me - I'd have fallen and the cat would have jumped over me 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Oh no! Now Blackcat thinks that if he goes into the neighbours' garden and shouts, he gets brought dreamies! I hope he doesn't think it is worth repeating!
    Save £12k in 2025 #33 £2531.77/£5000 (If this carries on I might have to up my target!)
    April take lunch to work goal - 3 of 12
  • Sun_Addict
    Sun_Addict Posts: 24,092 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How did your cat get in the neighbour’s garden so he couldn’t get himself back out? Glad you successfully rescued him. Hopefully he won’t do it again although he might be tempted by the thought of Dreamies 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Ah yes, that's a potential additional flaw in the rescue plan but I'm hoping that Blackcat will remember being trapped and forget the dreamies.

    Friday fakeaway is chicken Gyros and MrBC is head chef tonight.  This means I can enjoy a glass of fizz and watch Four in a Bed - happy days.

    spending on the garden room is in full flow and I keep reminding myself that it is budgeted for but it's still a bit disconcerting flashing the cash.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hated parting with £ for my roof but it was sorely needed so I feel your pain. The garden room sounds like it will be well worth it.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Makingabobor2
    Makingabobor2 Posts: 4,227 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Hi @Blackcats, just started following you, as you so kindly read my diary. Catching up slowly a few pages at a time. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £590/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 771

    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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