📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Giving every £ a job

15758606263273

Comments

  • Sun_Addict
    Sun_Addict Posts: 24,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well you’ve got something to look forward to tomorrow I bet you can’t wait 🤣 Seriously though it will be a job well done in the end.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Blackcats
    Blackcats Posts: 3,905 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thanks SA.  Still recovering after a weekend of admin and sewing in the ends on a crochet blanket 🥳.  Actually it was a nice weekend.  A couple of good walks and a couple of get fit with Rick sessions (as recommended by SA).  A takeaway curry and a couple of glasses of wine.  
    I finished my audio book too.  The Secrets of Strangers.  I really enjoyed it and was sorry when it ended.  
    Trying to follow foxgloves' example and have a productive week.  
    I really need to do a freezer inventory as it's so full and I'm sure there are lots of meals to be concocted from within its depths.  I was trying to find a pack of prawns tonight and of course they were in the last shelf I looked in.  I waded through cornwttos that had spread themselves into every drawer, lots of packs of mince, some forgotten sausage meat (from Christmas I think), lots of frozen fruit etc etc.  I'm going to have a veggie chilli which I found for tea tomorrow - will make nachos with it as I also found frozen avocado to turn into guacamole.  That will create a tiny space but at least it's a space.  Will put a frozen home made ready meal on the food plan for the next few weeks.  
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A frozen home made ready meal will help you prolong your lockdown savings too... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Blackcats
    Blackcats Posts: 3,905 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I agree SH and also using the meat that's in the freezer as the basis for some meals will keep me out of the supermarket.  It's a low spend month again this month and I heard last week that I'll be getting a bonus in march's pay.  We never get a bonus and it is instead of a pay rise but I'm happy to get anything.  I'm going to put it straight into retirement savings  ... previously it would all have been frittered away on stuff I wanted and thought I needed.    I've bought some craft bits for the grandchildren for Easter from this months budget but they were relatively inexpensive and I used a £5 voucher towards it.  I'll buy them some Easter eggs too.  
    I've had a nice day today and I've got Monday off which is such a good feeling.  
    I tried a new recipe tonight - an African inspired chicken and rice dish and it was very nice.
    settled down now with all the fairy lights twinkling, a new candle lit and listening to music for a while.  Blissful.
    .  
  • foxgloves
    foxgloves Posts: 12,619 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sounds lovely, Blackcats. I've just lit my candles too including the last of a nice scented one I received at Christmas. Must try to shop next scented candle from home.... I haven't looked in my candle drawer for ages, but I am hoping there will be something suitably fragrant in there so that I don't spend any money.
    Good news about your bonus!
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.8kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news on the bonus - and your plans. Bringing your early retirement dream into focus now.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Blackcats
    Blackcats Posts: 3,905 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you Foxgloves and SH.
    I had my vaccine this afternoon - very well organised and I do feel a small sense of relief not just for me but because the roll out is progressing so well.  
    my council tax bill arrived yesterday 😱.  It's a significant amount of money.  I'm going to overpay by around 10% a month to get it finished sooner than the 10 month payment schedule.  10% is £35 ..... if anyone wants to do the sums!   If I could get it paid off in December I'd be really happy.  
    A day's holiday tomorrow - I'm loving these 4 day weeks.  I'd love to change my work pattern to a 9 day fortnight and I think I will be bold and ask my boss.  I know they wouldn't agree to 4 days a week but a 9 day fortnight might be ok.   I'm a grown woman, I should be able to request a flexible working pattern 🤷‍♀️.  I'm going to do it!  I've put I in writing now so that will incentivise me!  Just need to chose my moment.
  • Sun_Addict
    Sun_Addict Posts: 24,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We do flexible working where I work and they allow a 9 day fortnight. You can also do compressed hours, so you do your hours over 4 days then get a day off. Good luck with it 🤞
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the idea of a 9 day fortnight. I'd love a 4 day week
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Sarahwithlove
    Sarahwithlove Posts: 3,347 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I moved to a 9 day fortnight in August and was best thing I ever did 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.