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Giving every £ a job

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,282 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Beautiful blanket
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

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

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  September £18.30

    Decluttering items 1198/
    2025
    Books read    17
    Jigsaws done  11

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


  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • Sarahwithlove
    Sarahwithlove Posts: 3,404 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Good news about the upgrade! 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,604 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    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

    Books read 2025: 49

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • Blackcats
    Blackcats Posts: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    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 🥳


  • dawnybabes
    dawnybabes Posts: 3,448 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 🥳


    That sounds like my sort of party ! What’s not to love about sparkles ! 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Blackcats
    Blackcats Posts: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @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.
  • badmemory
    badmemory Posts: 9,855 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,239 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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)
  • Blackcats
    Blackcats Posts: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @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 ✅
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