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Giving every £ a job

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  • Sun_Addict
    Sun_Addict Posts: 24,118 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lawnmower and Sausage 🤣🤣
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lawnmower and Sausage 🤣🤣
    Tickled me 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
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The jumper sounds lovely. Knitting is very dark magic! 
    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: 3,908 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thanks @lucielle.  Grandson loves being snug and cosy (just like me) so I think the jumper will be just right.  I'm also making him a crochet blanket for the car, just big enough to tuck round his legs.  I wanted to try a ripple effect stitch so I thought a smallish blanket would be a good practice piece.

    enjoyed my Monday morning dancercise - Jim the cat was in residence but scooted out pretty damn quick when he saw a coach of school kids arriving for their swimming lessons.

    tax bill paid on line today.  Took it as close to the deadline day as I dared.  Tried to be sanguine about handing the money over and reminded myself that the capital gains tax liability was incurred as part of a bigger picture plan.  Anyway it's paid now and hopefully it's the biggest one off payment I'll ever need to make.

    made katsu sauce this afternoon and served with 2 breaded chicken fillets from the freezer so a tiny bit more space created.

    it's the last grocery shop of the month tomorrow.  Really wanting to have a surplus this month to move across into the repair and replace pot.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,429 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    I love a fisherman style jumper, if you accidentally make it in a size 14 I can give it a home 😁

    Hurrah for the sighting of Jim from the Gym, well done on dancercise

    And extra well done on the big tax paying. Better for it to be funding hospitals and schools than funding grasping relatives! 


  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The jumper sounds lovely
    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
  • Blackcats
    Blackcats Posts: 3,908 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    PIP - the jumper could stretch a bit but probably can't be reviewed as "fits larger than aged 3 - would suit size 14"

    thanks SH - jumper is looking good so far and a 3 year old is probably not going to be too harsh a critic.

    22 lengths swum this morning and I think it's getting easier to do the extra 2 lengths especially with the lure of a cup of tea afterwards.

    The end of the month is approaching and most budget pots are looking like they might yield a surplus to go into the repair/replace pot.  I really would like to get it to £500 this month!  I thought I'd done my last grocery shop and was trying to pat myself on the back for an underspend and then when I got home I realised - shock/horror - that I'd forgotten cat food 🙀.  The beast will be ok til Thursday but I'm going to have to buy a box of his luxury, fish (never meat) in gravy (never jelly) food.
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So impressed with people who can produce things like jumpers 🙂
  • Blackcats
    Blackcats Posts: 3,908 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @Alchemilla - thank you.  I know my limitations with knitting but I'm ok with simple patterns.  I also reassure myself that a 3 year old won't have very high expectations of his nan's knitting! 

    another week has flown by and January is nearly over.  

    MSE wins include
    sorting out a new broadband and mobile phone deal which will save me £200 over the next 12 months.  Never ceases to surprise me that companies suddenly have great deals and offers when you are about to leave.
    I got an item from freecycle which is exactly what DD needed.  I've given loads away on the site but never received anything.  

    And I'm super pleased that during January I've managed to scoop up all my odds and ends of money and add them to my Repair and Replace pot which has grown from £121 to reach its target of £500.  Top ups have come from surveys, Chase round up, Chase rewards, £50 from energy credit refund, underspend from groceries and eating out as well as regular tilly tidies.  February focus is going to be the Dental, optician, vet pot.  I've only got £71 in there currently and want to top it up to £500.00.  I probably won't be able to do it all in one month but will throw what I can at it.




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