Eating a Vegetarian Elephant

Karmacat

I'm really optimistic about a hotbin - avoiding a nest space for rats is paramount for me.

debtfreeoneday

Advent socks?  I feel I need to know more…

Chiglepig

Karmacat said:

I'm really optimistic about a hotbin - avoiding a nest space for rats is paramount for me.

Being semi rural and close to a number of streams we haven't been able to put any veg waste in the ordinary bins, because of rats - although we do have a good local cat population who do their bit!

debtfreeoneday said:

Advent socks?  I feel I need to know more…

Less exciting than it sounds it's a string of tiny, numbered christmas stockings, just big enough for a chocolate each day!

debtfreeoneday

And there was me thinking she had 24 pairs of socks on the way…

Baileys_Babe

debtfreeoneday said:

And there was me thinking she had 24 pairs of socks on the way…

All Christmas themed 🎅🎀🌲⭐🎄✨🎆

Chiglepig

debtfreeoneday said:

And there was me thinking she had 24 pairs of socks on the way…

Baileys_Babe said:

debtfreeoneday said:

And there was me thinking she had 24 pairs of socks on the way…

All Christmas themed 🎅🎀🌲⭐🎄✨🎆

Oh, don't, there are striped elf style socks with bells on somewhere in DD's pit - I don't think I could cope with the Pup if she remembers those! On the other hand - some of Snag's Xmas special edition tights are quite tempting

Chiglepig

Achievements for today - Nectar points have made it over £100 for the year thanks to the build up to Christmas bonuses, and the £3 for the TV survey landed in my account. I couldn't work out what it was to start with, but tomorrow it can be added to this month's mortgage OP - I think it's just about a third of a day's interest!

Chiglepig

Also went to Sainsbys to make the most of the 25% off six bottles of wine deal. 12 bottles, which will see us through Christmas, and the total discount (including bottles that were already reduced and ones which obviously crop up in my basket a little too often, because I had bonus points on offer) was . . . £29.70 off the original total of £90

powerspowers

Oh well done on the wine! 

I’ve gone for a bokashi bin for the compost rather than a hot bin- I couldn’t quite justify it! We do pay for garden waste collections though as we’d never compost enough to get rid of the lawn clippings. We also need to offer the free leaf collection service to the local council to get a store of browns! 

Chiglepig

Not quite the end of the month, but the mortgage is paid today, so here's the round up for the month:

• Mortgage: £116,753

Total OP for the month was £464

• OP Reserve (EF): £11965
• S&S ISA: £5,620
• SIPP: £1,768 (not bad since I only started it in June)

I have other savings pots, and we have MrC's lump sum, but these are the two I think of as my MSE savings, becasue they are inspired by confidence I gained reading the forums, and are there to facilitate early retirement

• Nectar points (Christmas treat fund) £105.18
• Populus £15 ( very slim pickingsthis month)
  

I have had a little shuffle around with the S&S ISA to rebalance and address some of the more cautious investments I made when I opened it. I'm also considering altering the balance a little between the OPs, SIPP, and ISA, with the balance moving more to the SIPP. At my current rate of OP, the mortgage will finish just before my 60th (seven years early), but the balance in the last couple of years will be so low that I could decide pay it off anyway from savings, or TFLS from my DB pension.