We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Giving every £ a job
Comments
-
I keep thinking I need to be realistic and just apply polyfilla
Have a marvellous time, it's most mse to be able to enjoy something knowing the finances for it are in orderhttps://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 -
Agree re waste on toiletries/beauty products. When I first started using a lip-brush to extract the last of a lipstick, I was horrified to find that it amounted to about a third of the actual product. The cases are such that we pay for a nice lipstick, use 2/3 & throw the remaining 1/3 away. What an utter waste!
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!1 -
@PennysIntoPounds - I've started with primer and might work up to facial polyfilla.
@foxgloves - totally agree about lipstick. Back in my spendy era I was actually happy to sort of finish a lipstick so I could justify a trip to one of the fancy make up counters and treat myself to some new cosmetics and hopefully spend enough to qualify for a "free" gift 🤷♀️Utterly fabulous concert last night, such a professional group with so many great tunes. An added bonus was sitting on the next table to 2 of the band at breakfast today. We booked the show and accommodation last May so it was a nice surprise to find that the hotel had already been paid for. I didn't think it had but that's what the lady said so I'm happy to take her word for it.4 -
That was a nice surprise the hotel was already paid for however that happened. Glad you had a good time 🙂
Back in the day I was also a sucker for the Gift With Purchase, often ending up buying things I didn’t really need just to get the gift 😐I get knocked down but I get up again (Chumbawamba, Tubthumping)1 -
Oh I wasn't going to go for facial polyfilla, just the stuff for walls, no need to be unnecessarily fancy 😁
Ooh hark at you breakfasting with band members!
Glad you had a fab time, what a win to find the hotel had already been paid forhttps://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 -
Night away and gig sounds great.Achieve 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 -
SA and PIP - the already paid for hotel was a nice surprise but did remind me that my financial management system might have a little flaw in it 🙃
thanks SH - it was a really energising and uplifting concert which we booked last May and it was worth waiting for.
our fun budget is taking a hammering at the moment but we have got a few meet ups with friends and family which I'm pleased about. Fish n chips with my dad tonight which he was so looking forward to and thoroughly enjoyed, lunch out tomorrow with in-laws and then on Mondaybsharing a takeaway with one of our kids and grandkids. After that we will be ready to enjoy some home cooking.
2 -
Fun budgets are supposed to take a hammering if you're living life well. Bask in having been able to budget the money for it. Especially glad your dad was looking forward to his grub and enjoyed ithttps://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 -
yes PIP it was really sweet to see him so chirpy for his chippy tea. He had his tray ready on his lap when we arrived! Cornetto afterwards and it was like a day out to Brighton.3
-
That's so cute about your dad with his tray. I hope your childhood included fish and chips for tea in Brighton, because mine did and it was fab. To relive that with him must have been lovely.
Save £12k in 2025 #33 £2531.77/£5000 (If this carries on I might have to up my target!)
April take lunch to work goal - 3 of 121
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 247K Work, Benefits & Business
- 603.6K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards