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Looking after the pennies
Comments
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Sounds like your planning ahead worked at the weekend and you have things in hand to make it to payday okay. Gifts don't have to be expensive to be thoughtful.Achieve 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 10/10/250 -
Hi @savingholmes Yes, I have just been offered a shift tonight also which all adds up!Pennies starts again...........2022 - £13,579.221
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Hi all,
Good news today, OH has had an email today from work with his Christmas gift, a £200 amazon voucher!! It is first year with them so we were both really pleased as we weren't expecting anything. He has said to put it towards Xmas shopping but to be honest we aren't too far away as it is. Old spendy pennies would have bought the kids a few extra bits, but I have suggested that we put towards and use it to buy a shed. We pulled down our old wooden one this summer and haven't had the money to replace yet but he has a decent bike and so do the boys which are outside with covers at the moment in the rain. Whilst we weren't planning on getting one until my (hopefully bonus) next year I think its a sensible buy before Winter. Looked online and found a very nice one for £253.00 inc delivery.
I also have had one of my CC limits increased today!! £300.00 which isn't ridiculous but will help to push my utilisation down so I am very pleased. Other than that I have been taking dinners to work this week and I am hoping to see some movement on the scales Sat. £24.77 left in the account and I have picked up a shift at the pub tonight too. I
Pennies starts again...........2022 - £13,579.222 -
That’s a great bonus. I’ve worked at my place for over 30 years…never had a Christmas bonus!Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p11 -
Lovely bonus - definitely helps especially at this time of year. Congrats on not spending for the sake of it.Achieve 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 10/10/251 -
Lovely news. We got a £50 Amazon voucher last Christmas. I saved mine and gave it to my brother for his 50th birthday 🙂1
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Enjoyed reading Your diary but finished it. Thanks for reminding me about HMRC saving I had signed up for it then forgot about it so set up a standing order for £50 a month. Will continue to read your diary how do I subscribe?1
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@anita55 at the top of the diary you will see a little red bookmark icon - click on it so it shades red and you will be subscribed. You can also do that on the left of the long list of diary pages that you used to get to this one.anita55 said:Enjoyed reading Your diary but finished it. Thanks for reminding me about HMRC saving I had signed up for it then forgot about it so set up a standing order for £50 a month. Will continue to read your diary how do I subscribe?Achieve 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 10/10/251 -
Thank you savingholmes xsavingholmes said:
@anita55 at the top of the diary you will see a little red bookmark icon - click on it so it shades red and you will be subscribed. You can also do that on the left of the long list of diary pages that you used to get to this one.anita55 said:Enjoyed reading Your diary but finished it. Thanks for reminding me about HMRC saving I had signed up for it then forgot about it so set up a standing order for £50 a month. Will continue to read your diary how do I subscribe?1 -
Hi @anita55 thanks for stopping by
glad to see you will be following along and thankyou @savingholmes for helping!!!
I am just about to start a new diary as quite a bit seems to have changed since I started this one, and I feel like a fresh start is needed! Hope some of you will join me xPennies starts again...........2022 - £13,579.221
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