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Giving every £ a job

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Comments

  • savingholmes
    savingholmes Posts: 29,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with your mot
    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 16/1/26
  • Blackcats
    Blackcats Posts: 4,428 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thank you SH.
    car passed its MOT and that has enabled me to get on and buy this year's car tax.
    we took a flask and some overnight oats with us so we could go for a nice walk while the garage was doing its stuff.  Breakfast by the village pond watching the ducks, coots and moorhens.  
    I used the very fancy and very expensive oats we bought from the farm shop when we were on holiday and they really were delicious.  I added grated pear, mashed banana, walnuts and prunes.  The pear and banana were lurking in the fruit bowl threatening to go past themselves so food waste avoided as well as delightful breakfast concocted.

  • Makingabobor2
    Makingabobor2 Posts: 4,699 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Glad the car passed. 
    That sounds a delicious combination of flavours. Love walnuts
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....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.  172/2026
    Books read    23 in 2025.  2026- 10 (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-up


  • Blackcats
    Blackcats Posts: 4,428 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thank you @Makingabobor2.  The carrot cake combination was mostly based on use it up rather than a carefully curated flavour selection.

    we went to our long awaited concert last night which was absolutely fabulous, joyous and uplifting.  I am perplexed though about why people can't make their way to the auditorium as requested and wander in late, chatting, looking for seats and disturbing people around them.  If I was the admissions prefect I'd tell them they were too late and could listen outside.  This was an outdoor event at one of Henry VIII's gaffs which was open for picnicking from 5.30 so no great rush to get to your seats by 8.30.  We received a text in the morning to say that the artist wanted to start promptly at 8,30 to fit in all his songs and there were frequent announcements throughout the evening.  Anyway the show was brilliant!

    We took our own picnic and sat by the river scoffing prawn and avocado wraps, vegetable crisps, salads etc.  followed by cherries, strawberries and nectarines.  Just like royalty.  We didn't take any booze with us as MRBC was driving and I wasn't going to pay £12.50 corkage for a single serving bottle of wine.


  • foxgloves
    foxgloves Posts: 13,254 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @Blackcats - Mr F shares your view of chaotic concert goers. He once commented that they should have to take a test on the way in to check they know how to behave....& he wasn't joking, lol!
    F
    2026'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!
  • ladyholly
    ladyholly Posts: 4,096 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I can sympathise with your annoyance at people who cant be bothered to be seated on time. As someone who nearly always books the end of rows in theatres I find it very annoying as I have difficulty getting up and down. Having said that a couple of years ago I mistook the time of the panto with dgds and we arrived about 20 minutes late. I did offer  to stand at the back until the interval but the staff were quite insistent we should be seated and of course we were in the middle of the row. I coud only apologise profusely during the interval.
  • Sun_Addict
    Sun_Addict Posts: 25,336 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad it’s not just me who has to verify I’m human every time I come on here just lately. Very annoying. On the plus side at least it’s not those little squares where you have to click on pictures with cars/motorcycles/traffic lights 😩
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • ladyholly
    ladyholly Posts: 4,096 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad it’s not just me who has to verify I’m human every time I come on here just lately. Very annoying. On the plus side at least it’s not those little squares where you have to click on pictures with cars/motorcycles/traffic lights 😩
    I too am glad I am not the only one who has to prove I am human. I thought it was because of some security check Mr LH had added.

    I have trouble with those and always seem to have to go through them several times but the ones with letters are worse and even if I elcet to hear them they are so muffled and distorted I dont know how anyone manages them.

  • Makingabobor2
    Makingabobor2 Posts: 4,699 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Yep, I lost ,my post yesterday as well. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....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.  172/2026
    Books read    23 in 2025.  2026- 10 (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-up


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