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Giving every £ a job

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  • CL21
    CL21 Posts: 253 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Yes! We have loads of conditioner and no shampoo. I don’t think it’s possible to do it - that would be almost as mystical as actually finishing a lip balm instead of having 4 in varying that I’ve half finished and then forgotten 🤣
    Credit Card 1 - £6249.99 £4,900
    Credit Card 2 - £13,481.47 £12,985

    Total debt - £19,731.46 £17,885

    Emergency fund £930
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done for planning to work through your items before switching. I found a huge bottle of shampoo yesterday so I'm sorted for quite some time to come. Now shower gel equivalent - that evaporates at an alarming rate.
    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: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Glad it's not just me with the shampoo and conditioner - and the multiple lip balms sounds very familiar.

    I've added up my Christmas spends 😵‍💫.  I did put money away each month but deep down I thought I'd have a fair bit left over - but the pot is now empty.  Im pleased with my purchases but when I stand back and look at the pile of presents it doesn't look like great value for money.  Another sign for me of changing behaviours and changing values.  

    Had a horrid week at work - one person in the team is very challenging and difficult and I've ended up thinking about work on and off for the whole weekend.  I've tried hard not to but I keep going over our last conversation.  

    29 weeks to go ....
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    29 weeks to go.... Focus on that instead... 

    You will be free and they will still be working.

    Hugs though. It's horrible when things don't go as planned at work. 

    I've spent less per person but as a result have been far more creative - like finding vintage comics on FB for a fiver etc that I know my brother will love... 
    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
  • We've one of those at work at present - used to be a lovely team to work in, but now....

    Thank god you've only 29 weeks to go.  Goes to show it is DEF the right decision as work DOES NOT deserve your attention over the weekend (at least not for those reasons).

    I hear you on the shampoo vs conditioner ratios!  There's 3 part bottles of conditioner in our shower, yet I had to get another bottle of shampoo out of stores this morning!
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you SH - you are so right that my annoying colleagues have got years of working ahead of them and fairly soon they will have no impact on me at all.  (Insert a suitable smug face here)
    nice to see you Rebecca - looks like exciting times ahead for you and the family.  I'm so pleased for you. 


  • QueenJess
    QueenJess Posts: 4,516 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Congrats on the brilliant progress, happy diaryversary and I hope 2022 doesn’t include any cactus 🌵😂
    2025 decluttering: 3,984🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 340🥉🥈🥇💎🏆
    Big kitchen declutter challenge 113/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You don't sound smug at all - you sound like you are taking stock of your life and celebrating what you've achieved and are still achieving. That's a good thing. Well done
    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
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