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Giving every £ a job
Comments
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Beautiful blanketMaking 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 £1570/£3000
.
Studies/surveys April.....£43.44
Decluttering items 1402/2025. 171/2026
Books read 23 in 2025. 2026- 9 (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-up1 -
Well done on the swimming and the knitting. The concert and accommodation upgrade sounds fab too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
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 -
Good news about the upgrade!*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
Tesco Credit Card - £3652.32 £3270.54
*Total Debt - £10370.54/£15293.48*
Savings
*Sinking Fund - £2064.85/£3000
*Emergency Fund - £2500/£2500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
That looks fantastic, well done!
Artist was my guess before the clue so feeling very pleased with myself 😂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 -
Thank you for your compliments on the blanket - i enjoyed doing it and it does look effective.
dancercise, shopping, and packing & posting vinted parcels filled up Monday morning. Popped to the library and borrowed a nice slow cooker cook book.
I received an invite to granddaughter's 3rd birthday party. She stipulated i could only attend if I wore a party dress and sparkly jewellery 🥳
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That sounds like my sort of party ! What’s not to love about sparkles !Blackcats said:Thank you for your compliments on the blanket - i enjoyed doing it and it does look effective.
dancercise, shopping, and packing & posting vinted parcels filled up Monday morning. Popped to the library and borrowed a nice slow cooker cook book.
I received an invite to granddaughter's 3rd birthday party. She stipulated i could only attend if I wore a party dress and sparkly jewellery 🥳Sealed pot challenge 822
Jan - £176.66 :j1 -
@dawnybabes - sounds like a good party doesn't it 🥳. It's actually quite nice to be instructed by a nearly 3 year old to indulge myself with a nice dress and jewellery.
had some good news today that a friend's hubby is cancer free after the last 6 months of treatment and recuperation. They've tucked themselves away at home whilst going through treatment so we haven't seen them since the Autumn. We are meeting up next month for lunch and I can't wait to see them,
our new council tax bill arrived today and the increase is about what I was expecting. I can't see any billing update on our water rates account - not looking forward to that bill.3 -
Water rates seem to be a bit of a nightmare this year. The marvellous ofwat (note the sarcasm) seem to have allowed them a percentage which they can take by 2030 & some seem to have decided to take it all this year. Mine has gone up by 27.66%. I am not amused.1
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Great news about your friend’s hubby, what a relief for them.I love how you’ve been instructed to wear your party dress and sparkles by your DGD, what a superstar 🤣And your blanket is beautiful.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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@badmemory - I am shocked by the % increases on water bills. I'm a bit sceptical about why our water company doesn't have easy to find info about next year's bill.
yes @Sun_Addict - it should be a fun party though I expect I will be out sparkled by a gaggle of 3 year olds.
we went for a swim this morning and did a few chores at our local shops including collecting MrBC's prescription.
very pleased to have sorted out a niggly finance related task - took about 15 minutes even I've been cogitating about it for ages and putting it off. Big ✅2
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