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Giving every £ a job

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Comments

  • foxgloves
    foxgloves Posts: 12,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Lol, as a keen gardener, I am slightly disturbed by the idea of 'plastic lavender'. Is it just for decoration or has it been impregnated with faux lavender scent? I don't mean to sound judgemental, as I bought heaps of tat for my house back when I was spendy. I like natural things so used to spend a fortune on dried gizmos.... wreaths, swags, garlands, woven gubbins, baskets..... plus oddly, I also liked (& bought!) prints, pictures & postcards featuring all of the above!
    But I'm pleased to hear the plastic cactus has not yet been given house room.
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lol at faux it does sound better though
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Mum2Nan
    Mum2Nan Posts: 170 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    Hi Blackcats
    I thought I would drop by and say hello and thanks again for all your help recently.   I have only read through the first couple of pages of your diary.  I will continue with it later this evening.
    M2N
    BC1: 1460 1065 730 365 £0
    BC2: 4116 3999 3899 3799 3699 3599 3499 3299 2979 2659 2399 2019 £0
    Halifax MC: 10208.14 9895 9645 9277.33 8890.12 £5998253.95 7666.74 7239.53 7015.24 £0
    TSB Loan: 3083.34 2902.70 2721.98 2540.59 2358.17 2,175.38 1991.32 1807.63 1,623.54 1431.38 1158.28 928.88 716.06 502.72 287.77 74.43 £0
    Barclays Finance: 1049 961.58 874.16 786.94 699.32 611.60 524.48 437.06 349.64 262.22 174.80 87.38 £0
    MBNA: 7105 6925 6745 6565 6385 6205 5830 5050 4800 4300 3800 3300 2800 2300 1800 £1300
    Total Debt at highest December 2017: £28,929.14/£1300 + new debt: £3850 / Emergency Fund £4450
  • Blackcats
    Blackcats Posts: 4,161 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Foxgloves, the lavendre artificielle doesn't have a scent, although after reading your post I did momentarily wonder whether to buy a lavender scent to squirt on it to achieve that additional sensory pleasure. It is a very small and relatively Inoffensive item which serves as a reminder of previous frittering.  
    Hello mum2nan - I'm delighted that you got such a good outcome with your job.    Such a relief for you.    To summarise my diary for you, I have spent most of my adult life overspending and now I'm trying to re-train myself to budget, spend mindfully and save money towards an early retirement.  I'm a definite work in progress but I'm pleased to say that I still only own 3 teapots and won't be buying the one I was desperate for earlier this week.  😇 (Still pondering about some new mugs though 🤣).  
  • foxgloves
    foxgloves Posts: 12,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Lol at 'Lavandre artificielle', Blackcats. I don't mean to sound like your conscience re new teapots, etc, it's just that I reckon our past spendy behaviour was scarily similar!
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think you should add scent. Lavender can be very soothing.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • foxgloves
    foxgloves Posts: 12,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What a lovely cosy end-of week concept, Blackcats. Love it!
    I did smile at your descriprion of your past buys from vintage fairs because my house at the time was exactly the same!!
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    glad you are making time to relax. The lace 'explosion' sounds scary. I think they can look stunning but less is definitely more.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
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