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Giving every £ a job
Comments
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Loved Christmas time when satsumas became available.
We called them Christmas oranges.
Love sea side picnics enjoyxx1 -
Thank you @Sun_Addict and @savingholmes -we are enjoying our holiday.A lot of free fun like a classic car show, beach walks, cliff top walks etc. had breakfast on the beach yesterday and chose an Aloha bowl to bring Hawaii to the isle of Wight. Frozen pineapple sort of slush , passion fruit, bananas and raspberries with granola, açai, nuts and seeds which was yummy.
Hello @tunathe_cat. You remind me that my mum always bought cream soda at Christmas and my children used to call it Christmas lemonade. Actually they still call it that and now their children do too.5 -
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 £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
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/1 -
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 £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Breakfasting on the beach sounded like good fun.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 #1240 -
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.
3 -
Glad the pesky gardener is making progress. Our fencing has finished and also joining you on the dreaded bill.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 -
Ooh, where is the old railway station? Sounds like it might be worth a visitMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
@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.3
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