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Giving every £ a job

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  • Blackcats
    Blackcats Posts: 4,047 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Happy new tea towels to us Autumn embracers.

    @Scott-Weiland - that is great detective work there which would make Vera proud.  I'm only sorry it's not right   The blackcats reference is a completely literal reference to my feline friends and my team are currently 2 places above the black cats you refer to. And in case PIP is reading I acknowledge another London team are top of the league because of my team's win on Saturday.

    Have been MIA as we have been having great fun with some visitors from the land down under.  The sun has been shining for lots of days out exploring coast, country and the capital.  They are stunned at how much there is to see and do.  Highlights for the kids have been Trooping of the Colour, dinosaurs at the Natural Hiatory museum (both free activities other than travel costs) and yesterday's family conkers competition followed by Sunday lunch at the pub.

    budgets looking ok even though we have booked a week away at the end of the month.  It's self catering with a few eating out options.  I've-got a separate savings pot set up for our 2026 Channel Islands holiday and another for our July family get together holiday.  Once a year we gather as many of our children and grandchildren as we can for a weekend away which we pay for.  We always come home feeling so happy that it's worth every penny.

    i'm concentrating very hard on our grocery spends this month and aiming to meal plan and budget rather than just track spending.  6 days into the month and it's going ok 🤣


  • lucielle
    lucielle Posts: 11,611 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gosh you’ve been very busy and having lots of fun. The family holiday sounds great and lots of memories to be made. 
    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
  • amber03
    amber03 Posts: 1,405 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Love the Channel Islands especially Jersey. Been a couple of times, so easy to get around on the buses and island is so full of history. We’ve had a few family hols recently, love them but gosh I come back exhausted. 
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • Scott_Weiland79
    Scott_Weiland79 Posts: 226 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    @blackcats your a cat lover.not a Sunderland fan thats good lol 

    Ahhhhh Chelsea fan lol


  • PennysIntoPounds
    PennysIntoPounds Posts: 5,076 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Always reading, always gracious when top of the table (*stops doing the point and laugh dance*) thank you for your help 😁

    Sounds like you've been having a brilliant time, I'm glad the visitors were impressed with our offerings 😊

    What lovely pots to be saving into, definitely worth putting the effort into grocery spends watching for.
    I can't recall if you have much olio activity near you, so much bread and fruit n veg gets otherwise binned by shops so worth having a gander 
  • Sun_Addict
    Sun_Addict Posts: 24,507 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you've had a great time with the visitors and you've got a lovely holiday to look forward to as well. Very exciting!
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • EssexHebridean
    EssexHebridean Posts: 24,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What a great time you've been having - lovely to hear it!

    We'd definitely like to get back to Guernsey at some stage as from the limited amount of time we had there we did really like it. mind you a return trip to Alderney is also on our radar! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
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    she/her
  • Blackcats
    Blackcats Posts: 4,047 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Lovely to have diary visitors.  @amber03 we have hired a car when visiting Jersey and taken our own car to Guernsey.  From what we've seen the buses seem frequent and reliable.  
    EH - this will be our 3rd trip to Guernsey and we've chosen the week of the longest day so that we can enjoy the sunsets over the bay outside our cottage,
    PIP - we used olio a lot in the year before I retired and enjoyed the thrill of the chase and the requirement to be imaginative with our food hauls.  However, the local food waste hero gave up, more people used it and we were not very successful with being allocated anything so we gave up.

    However, we are trying hard with meal planning and reducing food waste and are usually close to our monthly grocery budget.  I think I'm guilty of treating the budget as an amount to spend rather than achieving a lower spend than budgeted.  Having worked in the public sector for years we were never encouraged to come in under budget as the budget would then be cut back the following year.  In my last job my boss lectured me that my underspent budget was worse than my colleague's overspend.  I always struggled with the concept so now I can rebel with my very own grocery budget underspend and stick 2 fingers up at the old bat boss 😉
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like an amazing time was had by all. Lovely that they got free tickets too. It all helps.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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