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Giving every £ a job

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Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 6,648 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    I'm sure you can earn that £2 U.O.U back to yourself fairly quickly. Sounds like a good use of spends

    I am beaming with pleasure at you reuniting the jewellery set from your mum 😊
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you found them both

    Wishrmetic is entering my vocabulary 
    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
  • Blackcats
    Blackcats Posts: 4,498 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Another sparkly Advent day - jumper covered in sequins, big bling sparkly ring and penguin socks.  Really enjoying December.
    Final money into account for this budgeting phase.  Will finalise divvying it up tomorrow.
    right now I'm enjoying the football too much to do banking stuff.
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,648 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    That is a blimmin marvellous outfit.

    Poor Southampton, you gave them a right battering!
    I'm currently nervously refreshing the footie score 😁

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • Blackcats
    Blackcats Posts: 4,498 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    PIP - I'm pleased our footie rivalry is more evenly balanced this season.  However, I am worried about the need for alphabetical order if it stays so close.  I think that using kit colour as a differentiator is a better option as blue is the best colour and alphabetically ahead of red too.  I'm sure that's ok with you 😉


  • Blackcats
    Blackcats Posts: 4,498 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Advent cheer today - listened to my book The Christmas Appeal whilst enjoying a cup of blood orange and cranberry tea whilst also enjoying a seasonal snowball cake.  Curry for dinner with enough left for tomorrow.
    oh and I finished the birthday blanket with a few days to spare.  
  • foxgloves
    foxgloves Posts: 13,350 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    How pretty your blanket is! Lovely gift.
    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!
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,648 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Don't worry treacle, you won't be getting that close 😂

    What a lovely day and blanket 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • Makingabobor2
    Makingabobor2 Posts: 4,765 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    What a beautiful blanket. I hope to re-learn crochet soon and do something like that. When I was about 15ish, I learnt how to do it. But forgotten now. It can't be that hard
    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...£226.33

    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
    That’s a gorgeous blanket and puts my attempt to shame. I was going to put a pic on my diary but don’t want to now. 
    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
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