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Giving every £ a job

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Comments

  • Sun_Addict
    Sun_Addict Posts: 25,566 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) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • Blackcats
    Blackcats Posts: 4,492 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: 29,200 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 £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • 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 - £7000 - £7000
    *Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
    *Nationwide Loan - £11,000 -£11000.00
    *Total Debt - £21623.18/£21623.18*


    Savings
    *Sinking Fund - £1400/2000
    *Emergency Fund - £0/£3000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Sun_Addict
    Sun_Addict Posts: 25,566 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) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • savingholmes
    savingholmes Posts: 29,200 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 £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • foxgloves
    foxgloves Posts: 13,346 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: 4,492 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: 25,566 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) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
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