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Giving every £ a job

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Comments

  • badmemory
    badmemory Posts: 10,031 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    I have to deal with my broadband & landline very soon.  I really hate it.  It was so much easier when everyone paid the same & I didn't land up always feeling conned and/or I had made a dreadful mistake.
  • Makingabobor2
    Makingabobor2 Posts: 4,354 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    That's a great idea to focus your odd ££ on 1 pot at a time. I tend to spread mine around & it takes longer fot each one to grow that way. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,084....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £700/£3000
    .

    Studies/surveys  October £29.25

    Decluttering items 1346/
    2025
    Books read    19
    Jigsaws done  11

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


  • PennysIntoPounds
    PennysIntoPounds Posts: 4,859 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Wonderful January mse stuff Blackcats 👏
    And don't forget the lifelong savings of telling the in-laws where to go!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • Alchemilla
    Alchemilla Posts: 6,276 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on the repair & replace pot
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on growing your savings pots. A good result in a month that also featured a holiday. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Blackcats
    Blackcats Posts: 3,998 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @badmemory - keeping on top of things like phone, broadband, tv services etc is a real pain.  It's shocking how there's always a better deal available when you threaten to leave a current provider.  I've got to grapple with V media soon on behalf of my dad.  That's the worst company to deal with in my view.

    @Makingabobor2 - I used to top up all my pots fairly evenly but I've been much more motivated by focussing on one at a time.  

    PIP - we haven't heard a peep from the relatives since declining their demand to double the amount of money we were prepared to send them.  I reckon they lost at double or quits.

    thank you SH and Alchemilla.

    well the sun has made a welcome appearance today so we have been in the garden cooking pizza.  Ate it in the garden room and now feel like a carbohydrate induced snooze but we need to visit my dad soon to do our Sunday tasks and watch football with him.

    we had to buy some lightbulbs yesterday and I remembered why I hate doing that.  So many choices and so expensive but the kitchen and bathroom are now fully lit up again.

    I need to start my new reading group book which is The Paris Apartment by Lucy Foley.  It looks like it should be good and because it's for book group I will be endeavouring to think of intelligent things to say about it!
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,859 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Hope you're right about the scuzins but I'll have a fiver on them making a manipulative reappearance.
    Have MrBC and his brother been able to ease their minds about elder relative? I get really cross every time I think about the thoroughly scuzzy behaviour!

    Garden cooked pizza sounds lush, and well done getting the lightbulbs sorted. Why are there so many types?! I don't even want to deal with bayonet or screw, let alone get a blimmin masters to be able to achieve 'press switch=light on'

    Today's football you say... 😁

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

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • lucielle
    lucielle Posts: 11,582 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent shopping from home finds there! Glad you’re getting use out of the garden room, it sounds lovely. 
    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
  • RebeccaPAgain
    RebeccaPAgain Posts: 55 Forumite
    10 Posts Name Dropper
    Home made pizza in the garden room sounds amazing!  What's your go-to topping?  DH has recently done one with squash, pesto and stilton which was fabulous and I'd highly recommend!

    I love the shop from home - its so funny how so many of us have so much stuff stashed away.

    The scuzins sound dreadful - I hope they get their just desserts!

    You are such a beacon of inspiration on the MSE front - you seem to have everything so well organised and sorted.  Must take a leaf out of your book!
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