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Giving every £ a job
Comments
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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
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
Glad you found them both
Wishrmetic is entering my vocabularyAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260 -
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.2 -
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
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael0 -
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 😉
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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.
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How pretty your blanket is! Lovely gift.
F2026'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!0 -
Don't worry treacle, you won't be getting that close 😂
What a lovely day and blankethttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael0 -
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 hardMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,984....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1480/£3000
.
Studies/surveys March.....£215. 49
Decluttering items 1402/2025. 132/2026
Books read 23 in 2025. 2026- 8 (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-up0 -
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.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
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