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Giving every £ a job

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  • Blackcats
    Blackcats Posts: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @KeepOnKnitting - yes indeed Brighton was our nearest seaside destination and we'd get the train there or as what seemed to be a special treat we would get the green line bus.

    A nice but busy couple of days including looking after 2 grandchildren for a day.  We had plenty of fun including a picnic and ice creams, despite the much cooler weather.   It seems to me that there is a massive pull for parents/grandparents to spend money on school holiday activities for children.  We went to a small animal charity centre yesterday which was a great place and a reasonable cost which should go towards looking after the animals but we had thought about going to a nearby fancy breeds farm until we saw the admission price of £40 per child 🙀.  Apparently it gets busy there even at that price!

    We need to rein in "frippery" spending this week as the fun and eating out budget for this month is looking a bit sorry for himself.  It's possible to have fun with a walk and a flask and after Lent finishes we can enjoy the free birthday cake and coffee at the garden centre.  We are visiting friends for lunch on Friday and already have wine to take with us and I'm making a ginger cake with spiced pineapple in rum syrup to take with us for pud so a low cost but fun day ahead.
  • Blackcats
    Blackcats Posts: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    A day out today with a couple of our teenage grandchildren.  We went to an event at a local(ish) museum where we are all members so no additional entry fees today.  We met at 11.30 for brunch in the sunshine and conformed to gender stereotypes as the boys had bacon butties and the girls had Nutella and banana crepes which were definitely the best choice!  We had a good walk around the display which prompted some interesting conversations and some future focussed thinking for the eldest grandchild who was inspired by some of the things we looked at.
     By the look of our depleted fun budget we've been having plenty of good times this month.  Spending time with family and friends is always worth any money we spend (with the exception of that bit of the family that is no longer mentioned 🥴)
  • RebeccaPAgain
    RebeccaPAgain Posts: 55 Forumite
    10 Posts Name Dropper
    Sounds like you are having a great time with all of your family BC (Excluding they who must not be named!). So lovely the chippy tea with your dad and the surprise of hotel being paid for!
  • lucielle
    lucielle Posts: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like an excellent time was had by all!
    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: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thanks RebeccaP and @lucielle.

    we spent Monday afternoon with another grandchild (we have plenty!).  We went to see our local football team which involves standing right next to the pitch, getting a cup of tea and kitkat and buying £5 of losing raffle tickets.  DGS has been to Old Trafford, The Etihad and even the blooming Emirates Stadium this season but said they thoroughly enjoyed an Isthmian League match with us.

    Another exciting day today 🙃 which involved a trip to the garden centre where we seemed to spend hours.  I had my annual free coffees and cakes voucher so we started in the cafe with a slice of banana & caramel cake and a slice of dragon fruit & lime cake which we divvied up.  I'm not sure how much dragon fruit was in the cake but it was very tasty.  Then we went into the on-site food retailer for milk and ended up getting some great YS food bargains.  A fancy sourdough pizza for 64p, cod and haddock moray reduced from £8.20 to 82p, a seeded loaf for 11p, a bunch of bananas for 30p, a posh tub of soup for 15p and lemon curd yoghurts for 10p.
    eventually we bought 2 plants for some pretty pots that have been languishing empty for a year.  By this stage I was ready for a cup more tea but waited til we got home and made a cuppa in the garden room.

    MrBC has sold another item on E. bay.  He only listed it speculatively as it's quite niche but kerching £46.00 into the holiday pot.
  • Makingabobor2
    Makingabobor2 Posts: 4,282 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Some great bargains there. I love a YS item
    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


  • PennysIntoPounds
    PennysIntoPounds Posts: 4,603 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Harsh way of checking I fully read your posts 😐 😂⚽️

    Great ys, mse, and ebbay work. Hope the new plants settle in well 😊

    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
  • LzzyIsGod
    LzzyIsGod Posts: 474 Forumite
    100 Posts Photogenic Name Dropper
    I'm still in shock reading about the £40 admission to a farm!!!
    LBM Oct 24 
    Start Nov/Dec 24  £39 564

    July 25  £34 531
    Aug 25  £33 866.83
    Sept 25 £33 005.93
    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • lucielle
    lucielle Posts: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Some great Billy bob bargains!  Still have garden room envy!
    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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you are living life to the full. An example to us all.
    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
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