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Peering over the hill...
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Grogged said:Our parents started us on our journey by being naturally MSE before MSE existed 😂
I think that was true for many of our generation, it's just how you were brought up (and still is in some households).
The trigger was realising we didn't really know what we wanted from retirement.
We knew it wasn't what our parents had, neither was it the TV advertising version.
We also knew that saving hard just to spend it wasn't helping either.
We decided we quite liked our lifestyle and so asked how do you get there?
After this obvious bolt from the blue, we just worked backwards.
We need an income of X, so we better start saving for it properly.
Will we get there? Probably, but it's not guaranteed, but we like the odds!
ATB, G.
It's great that you learned from a young age! It was the opposite for us - both of our parents were terrible with money! OH's mum is/was on benefits and would spend it all and leave nothing for food. Mine racked up huuuuge debt. Neither of us want that life, so we've never had any debt at all.
I know your goal depends on the markets too, but you're so on top of it all it would take more than a global pandemic to knock you off track! 😂MFW: Starting balance, Jan 21: £102,950
MFW21 Challenge #255 -
You've both obviously come through some difficult times and come out the stronger for it.
I've no doubt at all you'll achieve your goals as well.
If it's not adding up, compound it!2 -
Disaster!
We've lost the stopper for the hot water bottle...☹️
...I personally think the brownies or elves stole it😡
MrsG authorised purchasing a replacement, with cosy cover.
(hmmm, is MrsG a suspect? no, don't go there!...)
TT news isn't looking much better for tomorrow either, the round to nearest £5 rule, means it will be 20p...
And it rained, a lot, then rained again in case we missed it.If it's not adding up, compound it!2 -
That really is bad news, mines had a lot of use recently. I’m glad a replacement has been authorised!!3
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Grogged said:Disaster!
We've lost the stopper for the hot water bottle...☹️
...I personally think the brownies or elves stole it😡
MrsG authorised purchasing a replacement, with cosy cover.
(hmmm, is MrsG a suspect? no, don't go there!...)Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.3 -
You do know that as soon as the replacement is bought & the stopperless bottle is binned that the stopper will turn up don't you?I speak from experience obviously, not of a hot water bottle but the principle is the same.4
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I was instructed in no uncertain terms to buy two...
But you're right, I expect to end up with 2.5, depending if I have enough courage to throw the bottle away!If it's not adding up, compound it!2 -
Is there not a company that just sells stoppers? I feel like there'd be a market for that kind of thing! It would be a true disaster in our house, I rely on one heavily during health flare ups AND for cosy winter snuggles!MFW: Starting balance, Jan 21: £102,950
MFW21 Challenge #253 -
I did see some stoppers for sale, but wasn't sure if they would fit.
I may end up with three usable bottles with two stoppers, or I may not...
I wasn't feeling that lucky! 😆If it's not adding up, compound it!2 -
That would be an utter disaster in my house! A couple of weeks ago my hot water bottle split and leaked in my bed. At the moment it's all that stands between me and hypothermia whilst working at home so had to buy a new one immediately .... It's now included in the list of things from 2020 that I never thought I'd hear myself say ' sorry I was late to the (zoom) meeting - I had to fill my hot water bottle up'.
Old one cut up really well and turned into Christmas tree decorations.Aiming for mortgage free by September 2030
Balance 1.1.20 - £69,701.80
Balance 1.1.21 - £63,699.80
Balance 1.1.22 - £57,762.80
Balance 1.1.23 - £53,074.20
Balance 1.1.24 - £47,902.00
Balance 1.1.25 - £44,141.20
over payments 2025 = £1,390/£1,500 /// invested 2025 = £900/£1,500 = TOTAL (YTD) £2,290/£3,0005
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