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Giving every £ a job

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Comments

  • Sun_Addict
    Sun_Addict Posts: 25,275 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Might be worth breaking that savings goal down into manageable chunks. I find the 100 squares method is really good. You have a grid of 100 squares, divide the amount by 100 and colour in each square as you achieve it. 

    Enjoy your evening 🥂
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Blackcats
    Blackcats Posts: 4,401 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thanks SA - I love a bit of colouring in 😍.  I found an idea on Pinterest which I'm going to use - a sweetie jar with 100 "sweets" in to colour.  I'm rubbish at drawing so I'm going to practice drawing the jar before I do it in my "best" notebook.  
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the visual aids. Candle light sounds lovely too
    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 16/1/26
  • Visual aids always good motivation. One of things I miss about working in office is being able to print things off.
    That's a shame about the beach being next county over. Hopefully you'll get the chance to go later on this year. I'm very lucky with where I live. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £0
    *Total debt - £7000/£11641.17*


    Savings
    *Sinking Fund - £800/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Sun_Addict
    Sun_Addict Posts: 25,275 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’ve also got lights round my fireplace plus a twig tree all year round. My cat will only eat Felix, she won’t downshift which is very inconsiderate of her 😆Fingers crossed your car passes its MOT🤞
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I too have fairy lights and twig tree
    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 16/1/26
  • foxgloves
    foxgloves Posts: 13,222 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I love fairy lights too. I'm hoping to put one of the 50p strings I bought in Wilk*'s sale the other week up in our conservatory today.
    F x
    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!
  • Blackcats
    Blackcats Posts: 4,401 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thank you SA, SH and foxgloves - fairy lights are a great way to create a nice atmosphere.  I need to top up batteries on a couple of sets that were languishing at the back of a cupboard and then I'll put them on the mantelpieces.  
    Was booked to go for a walk at a NT garden today but because of the snow it was closed. I'm quite relieved as I do a great impression of bambi on ice but not quite as elegant.
    Instead we took a flask of tea to a local car park with fab views out over the distant city.  Stayed in the car but it felt refreshing as a change of scene.
    no money spent again today.  I've nearly run out of shampoo and conditioner so I've used the decanted pots I made over Christmas where I tipped all the mini hotel bottles together into an empty shampoo bottle.  It's got quite a "lively" scent but it does the job and best of all prevents a trip to the shops which would probably involve buying more than a bottle of shampoo and conditioner.  
  • Sun_Addict
    Sun_Addict Posts: 25,275 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You know how to live with your flask of tea in the car park 😆 I think this virus has taught us to enjoy the simple things. That’s very frugal of you with the shampoo and conditioner. I must admit I’m one of those people who cut tubes in half when they’re pretending to be empty, always loads left still.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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