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Cutting it Fine - the challenge is on!
Comments
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Thanks savingholmes, it was good to admit to a peer that I just felt unmotivated at the moment. Felt better the next day - a problem shared! And I'm not so scared of feeling down in future, it will pass.
Wool purchased, pattern arrived and needles at the ready. But will have to wait a few more days.
I've found a couple of old phones in the drawer, not sure if they are saleable as they are very old but I might give them a try. Did a trip to the recycling centre this weekend, so I'm at least clearing the decks."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Just updating my signature. EF has gone down due to a household spend (not an emergency though), Xmas Saver is a bit behind target, but this year I'm being a bit more relaxed about it - it will be used for xmas pressies only and the remainder split between me and DH. I've added my personal savings on - my premium bonds are £525 now and my ISA is at £240. No plans for it except to leave it there building up (and of course hopefully the premium bonds will come up soon
).
Feels a bit strange separating my savings out from our home savings, but DH seems to spend all of his money, and although I don't save much, I do save regularly and its all adding up."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Nice to have a savings pot for guilt free spends if you ever wanted.
Glad dropping the mask at work helped.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252 -
Thanks savingholmes, it really is. I never had my own savings pot until we became debtfree a couple of years ago."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Randomly I just started pots this month for me and DH for whatever we want. Only £25 a month but it’s ours to do with what we wish.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Its lovely to have your own spends debtfree, and its definitely guilt-free like saving says. I've bought a few things for myself lately, that I never would have before. I like to get a bargain and get my money's worth, but sometimes I like to buy good/buy once - and that's when having my own pot comes in very handy. It really highlights our attitudes to money too - Mr Shores' money burns holes in his pockets, but mine is building up nicely. He's always borrowing off me at the moment, he isn't able to wait for stuff. It really shows our different attitudes - he's a spender and I'm a saver. Apparently us savers can feel discomfort at spending money, but spenders just live for the now. I would say its best if your life partner has the same attitude to money (i.e. saving), but if like me you have different attitudes, the saver definitely needs to be handed the reins."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Sounds like you have a wise approachAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252 -
It's the same for us SS - I'm always reining in Mr F's crazy spending plans 😆
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living2 -
Its been a journey Fortune, a bit how I imagine cat herding would be.Fortune_Smiles said:It's the same for us SS - I'm always reining in Mr F's crazy spending plans 😆
Fortune x😂😂😂
"Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
I've done my fair share of thatAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252
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