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Giving every £ a job

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  • tunathe_cat
    tunathe_cat Posts: 470 Forumite
    Part of the Furniture 100 Posts
    edited 9 September 2024 at 9:00PM
    Loved Christmas time when satsumas became available.

    We called them Christmas oranges.
    Love sea side picnics enjoyxx
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's really sweet when you get family generational sayings like that. 

    Well done on the free fun too.
    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
  • Hope you are having a lovely time despite this horrid weather we have been having 
    *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/
  • Glad you are having a good time. 2 weeks Saturday till we go. Very excited. 
    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  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

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


  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Breakfasting on the beach sounded like good fun. 
    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
  • Blackcats
    Blackcats Posts: 3,903 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you all - yes indeed we are having a great time.  Weather has been variable but hasn't spoiled our fun.  actually enjoyed sitting in the conservatory last night with the rain hammering onto the roof.

    Lovely lunch in a former railway station today - great food and the most scrummy homemade pink lemonade.
    @Makingabobor2 - not long to wait now.  I really like having a holiday to look forward to.

    back home the gardener is tantalisingly close to finishing and has sent some photos.  Looking forward to seeing his progress.  Less looking forward to getting the final bill.

  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the pesky gardener is making progress. Our fencing has finished and also joining you on the dreaded bill. 
    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
  • Ooh, where is the old railway station?  Sounds like it might be worth a visit
    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  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

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


  • Blackcats
    Blackcats Posts: 3,903 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @lucielle - hope the bill is what you are expecting.  Whilst I've got the money to pay, I rather like seeing it in my bank account.

    @Makingabobor2 - it's called Off The Rails in Yarmouth.  There's a nice walk along the disused railway track too.  You are probably best to book.  Highly recommend it as a bit of a quirky eatery with good food.  Also recommend Baywatch at St Helen's/Bembridge - very nice spot by the beach.

    Glorious sunny day today.  Going home tomorrow - I like being on holiday but I don't really mind going home.  We will probably have a fair bit of food and drink to take back with us, so hopefully can avoid shopping until Monday.  Will balance the books when I'm home.
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