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Giving every £ a job
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If you’ve overspent it’s totally understandable in the circumstances, you’ve had a lot going on. When I lost my mum I found it easier when I could no longer say “this time last week/month/year”. It’s a very hard time for you so anything that helps make it easier is good, be kind to yourself, accept offers of help, anything.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Hi Blackcats
Not surprising everything feels surreal. It always felt weird to me that the world kept spinning and people went on with their lives while I was grieving - I loved the 'stop the clocks poem' for that reason - particularly as read out on 4 weddings and a funeral - you can find it on Utube
I read
The money diet - by Martin - unless he updated it - it will be well out of date now. The wallet workout on here pretty much says the same thing in less words
I also like
The millionaire next door - talks about how our upbringing etc impacts our £ as well as life circumstances
Simple path to wealth - basically says use Vanguard index trackers or equivalent
The millionaire mindset - changing our relationship with £
and loads more...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 16/1/260 -
Definitely take it easy on yourself blackcats - you need some nice things to look forwards to.
Though it is borne out of tragic circumstances, love that you are finding some nice pictures/family history.1 -
Thanks SH - Stop the Clocks is beautiful. I found a piece of paper where my mum had written out the poem "the life that I have" - it's a lovely poem with an interesting history as it was used as a code during WW2.Thanks for the book suggestions too.
thank you Rebecca. My mum had done lots of work on the family tree so in due course I shall look through all those papers.
retirement countdown 50 weeks to go.
no spends today, in fact I got some money paid to me for some purchases I'd made for someone. I was paid in cash so I'll keep that in my purse and try not to fritter it.I used some home grown potatoes to make potato salad tonight.2 -
Gotta love home grown potatoes!
Lovely poem you shared 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 16/1/260 -
Home grown potatoes are the best! My grandma had a vegetable patch at the bottom of her garden and I remember she used to go out and dig up new potatoes and then cook them with a load of butter and mint (also from her garden) - never tasted anything better in my life. It really is the simple things.2
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I've never grown potatoes before but my mum bought me a kit that she saw advertised in the paper so she would be pleased that I actually ended up with some edible produce. I agree Rebecca that butter and mint is perfect. I love Jersey Royal potatoes - especially the first taste of the season - there is no taste like them.It took a bit longer at my dad.'s tonight and we were so tempted to buy a takeaway on the way home but actually couldn't agree what we wanted and neither of us were enthusiastic about a particular choice. OH pulled up outside a kebab shop but to be honest it looked a bit grotty so we drove home and had some fresh tortellini (from the fridge) with some tomatoes (from the garden) and some onions, peppers and tomatoes - added a sprinkle of cheese - delicious. Took 10 minutes to make and everything was already here.4
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On the advice of Jamie Oliver on one of his TV shows, I planted some sprouting potatoes in a bag of compost. They grew shoots and leaves very rapidly and I was pleased to see a few weeks later they had produced some potatoes. Imagine my disappointment when I discovered these were the very same potatoes I’d planted originally 🤦♀️I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Baby jersey royals are amazeballs!
Well done on not plumping for a takeaway - your supper sounds so much more satisfying (and bonus that it was free!)2 -
I think that the seed potatoes for 'jersey royals' are 'International kidney' tuber variety. Agree new freshly dug potatoes just need butter & mint for yum-ness.
F x2026'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!2
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