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Giving every £ a job

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Comments

  • tunathe_cat
    tunathe_cat Posts: 472 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: 29,200 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 £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • Hope you are having a lovely time despite this horrid weather we have been having 
    *Dad loan - £7000 - £7000
    *Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
    *Nationwide Loan - £11,000 -£11000.00
    *Total Debt - £21623.18/£21623.18*


    Savings
    *Sinking Fund - £1400/2000
    *Emergency Fund - £0/£3000


    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 £26,544....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £750/3000
    .

    Studies/surveys May...£245.56

    Decluttering items 1400/
    2025.  306/2026
    Books read    23 in 2025.  2026- 13  (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

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


  • lucielle
    lucielle Posts: 11,848 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: 4,498 Forumite
    Seventh 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: 11,848 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 £26,544....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £750/3000
    .

    Studies/surveys May...£245.56

    Decluttering items 1400/
    2025.  306/2026
    Books read    23 in 2025.  2026- 13  (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

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


  • Blackcats
    Blackcats Posts: 4,498 Forumite
    Seventh 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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