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2020++ - smiling and waving and looking so fine
Comments
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I am pleased to announce, especially to @t2rry who has been rooting for me - that the padlock is open. well before I got to the 9000s. So when the gyms open, I will be using it to lock my kit up!! That's £5 saved on a new one, and only took me 5 hours or so - so brute force methods do sometimes work, and was quite zenI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Me too! I’m waiting to hear what the number combination was. I’m betting it’s 9998 😆MFW 2022 #71 £4400/£44004
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OK - I probably shouldn't but it was 8246 - eight because that's in our house number and 246 because of the Tom Robinson song 2-4-6-8 - and switched around because I'm sneaky. If I'd done it like the song (ie 2-4-6-8) - then I would have solved it Monday!!
Would have been good if I could remember that logic before I had to crack itI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
done my payday doings, and its one of those months were all the numbers just jumble up and won't untangle - so although I'm starting April, almost exactly as expected, the final balance between pension, credit card, kids and savings was a bit more varied than planned ... a LOT of stuff has come and gone through the accounts on the way to do its job elsewhere. I think I'll just leave it there and try to do better this monthI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
If only you’d started from 9999 and worked your way backwards.....MFW 2022 #71 £4400/£44004
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If you put the code in and pull the padlock right up you should be able to reset the number. Might be worth doing to something you're more likely to remember*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/3 -
True and true, but now I remember my logic, I'm unlikely to forget - the trouble was I hadn't used it for 2 years and just could not recreate that chain of thought.
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Catching up and forget the budgeting stuff, the carrier bag and padlock antics made me LOLIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Lovely day today - sat outside in the garden with DD1 who came to visit from about an hour away
Caught up on christmas and her birthday, and a lot of gossip, it was quite chilly out but we have a fire-pit thing and some clean(ish) logs to burn so still smell smoky but was worth itI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Glad you had time with your DDAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253
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