Future Proofing my life: Deposit saving then MFW journey in under 13 years

skint_spice

Glad you enjoyed your day!

South_coast

Your early night was later than my late one 🤣!

Glad you had a good day

Watty1

Great news re the wins and I totally get the comments re addiction and behaviour.   I think I will download the Tina Turner book.  

Someone used the term micro aggression when helping me write my court statement.  It really is a thing.- continual acts of micro aggression are so destructive.

LadyWithAPlan

@Watty1 'micro aggression' v apt term. I had a very strict second  word with the person also on Xmas Eve morning  about the behaviour and got the first apology ever I think .., However been with other family members since and excited kids so it has been hassle free  and lovely since..

The Tina Turner 'Happiness Becomes You' is great - and my friend listening to it for a 3rd time on audio .. I am a reader more than an audio person.

@South_coast I am a night owl .. made worse by the fact there are many cats here - 2 of which fight for the privilege of sleeping next to me/on my head ...  Hope you having a  lovely break.

@skint_spice tx hope you are having fun over this festive period..

Interested MSE parties in my GF breadmaking will be happy to know I finally have the much longed for 'always delivers' fabulous GF breadmaker by  Panasonic ...   I worked out last winter with energy and flour cost its about £1.30 a s/m loaf which is great vs SM and Schar versions. at over £3 .. I will be experimenting on the GF pizza dough  and various gf brown breads and cakes... It is in a HUGE box luckily I have a huge empty suitcase to return it home in..

Presents - I have had loads of lovely things ... and only one thing to send back a wrong size for a kid...
 
Horribly windy and rainy for all i think today - I managed to make GF sausage rolls with that GF Jusrol puff pastry but 20 mins was slightly too long on the oven. After a couple days of excess fabulous food, Bolly (dahling)  and Tattinger I am now just snacking. Had to do an hours work ahead of a couple more hours tomorrow. 


I am enjoying the fact that ynab has finally stopped firing Xmas gift spend categories at me  as no spending since the 23rd .... 
Xmas gift shopping in Dec alone  £556  (was probably £500 before in Oct/Nov ) plus £70+ xmas food so I will need to put £90 aside from Jan to cover from next month.

Just invested a bit more £300 into my SIPP from last weeks paid invoices so nice to invest not spend   
I have more sipp money and PB money to allocate against taxes but will hang on til I have sorted out my tax filing as first year of split SE and Ltd company.

Not planning a lot of spend between  now and year end. Nothing I need really and I will avoid any boot shopping

Not sure plans for NYE but not bothered in planning anything big NYE as I have lovely NY day plans and like to start the year feeling fresh... Last year I popped out for a quick NYE drink with friends at 8pm  and staggered home at 5am...
 ...

PennysIntoPounds

Glad you had a lovely time. 

If you do wake up on new years day wearing a traffic cone on your head, at least that will be mse for reserving a space for your moving van when you buy your home 😁

LadyWithAPlan

PennysIntoPounds said:

Glad you had a lovely time. 

If you do wake up on new years day wearing a traffic cone on your head, at least that will be mse for reserving a space for your moving van when you buy your home 😁

and I suit orange ..

Sadly La Paln always knows where she is at and to not wear a hat that needs moving as it will ruin her hair..

Hopefully we both will have our places sorted in 2024!

Watty1

ohh a bread maker. I used to have one and I loved it.  Not sure where it went but I feel the need for a breadmaker now!!

LadyWithAPlan

Watty1 said:

ohh a bread maker. I used to have one and I loved it.  Not sure where it went but I feel the need for a breadmaker now!!

I now have a spare breadmaker  as its GF bread  is not so great  - the Panasonic one is quick 1hr 6 mins vs 3 hours and always comes out perfect - I am looking forward to the GF pizza dough as well ..


MSE free wins! $99/£80 approx free = Track extra income from ebay/free money/refunds etc    £320.01 
Just heard back from YNAB as I had sent them my student id proof and I have a years free YNAB very excited- I can give it a proper whirl and focus on the house buying for 2024 
Not sure I will add this to ynab though - I could via cash but may not bother though I do with my smarket vouchers ,...

NSD - 8/13
Voluntary Spending today £8.83
spent nothing dec 24/25/26/27 .. but do need to replace a kids gift as wrong size today but maybe I can do it for less/the same than I spent
I have  just bought that book £8.83 Adult children of Alcoholics as I have read good reviews on it ... can be my learning reading next week. 
Just moved money around from internet savings - I have a 2 year internet deal where I dont pay for year one then £25 a month for year 2 which starts Feb...


Just joined MFW 2024 CHALLENGE to save  £17k and buy the home in 2024
Target 2024 is  £17,000 - ambitious but doable I think  - although I also add to my SIPP so  I will scale that back post April 5th to focus on home deposit
I am planning to save hard and then buy a home finally in 2024 so its an initial savings goal - depends on when I get invoices paid in full as well as work. .

SIPP now over £50k - woohoo
 I will fully update EOM/EOY at the weekend BUT I can see with the sipps having shot up in value I have finally hit the £50k SIPP value (£50,299 but markets up and down a lot). I have only added  £3035 this year so far and want to get it up to 10k before April 5th ... £10k a year is my standard goal on sipp  (or anything over BR tax threshold) as I am s/e and now this year I am putting sipp contributions through my ltd company ... 

savingholmes

Glad you got your apology and the break has gone better since.

Well done on the SIPP.

Merlin's_Beard

Well done on the SIPP - that's a great target to hit