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

SandyShores

I'm with savingholmes on not rushing onto a plane anytime soon, although if it was somewhere nice and warm with a beach I might be persuaded ☀️☀️☀️

LadyWithAPlan

savingholmes said:

Nice option to have. I won't be rushing on a plane anytime soon though

Yes  it was, the thought of being all My Heart Will Go On on the front of a ship going down the Rhine )  ..  I decided it makes no sense due to having to miss the first day, the testing and of course if I pick something up travelling I get to send 10 days in switzerland over xmas quarantining so ..

I am triple jabbed and I  did travel /worked abroad away this summer without any issues so,, I am missing travelling so much - I am normally away every other month at least abroad working and having fun .. Still my saving rates keeps going up

Always like to check my mid month monthly  Marc** interest  £16.42
(which would be more if I had not chosen to have faith in premium bonds, no wins as yet but it has been  only 3 full months )

MFW savings 11/08/21  £67,711.70   09/12/21  £79,243.47 /£100K
Dec savings  £991.17      of     Goal  £2,252,81pm   

This is actually too high as 20+k of my savings are in a S&S and it has come down £400 over the last 2 weeks. I am though still up  £3k 

PROGRAMME
Just  getting the front cover sorted and then need to check what is missing before setting it all up online. A friemd is going to help me add to paypal. It will be out before year end

Suffolk_lass

My S&S have resembled Tigger this week. This morning the global fund has uncreased by 740, having first lost a good proportion of that over the last two weeks so you are not alone.

Re PB I was reading an article a couple of months ago which basically said if you have less than £10k you beat the odds if you win anything. We have won six x £25 across two bond holdings this calendar year. Both are a bit more than £10k and all the wins have come within the £10k numbers. It makes me wonder if when I reach another £10k I should sell all the small ones and buy a block again.

I also have no readiness to fly again for the foreseeable future, but I had moved from flying as my first choice a long time before all this pandemic shenanigans 

savingholmes

Well done on the programme. It's a huge achievement.

Sistergold

Well done on managing to get the program ready to roll by end of year! It will mean a very good start to next year! Xx

LadyWithAPlan

Suffolk_lass said:

My S&S have resembled Tigger this week. This morning the global fund has uncreased by 740, having first lost a good proportion of that over the last two weeks so you are not alone.

Re PB I was reading an article a couple of months ago which basically said if you have less than £10k you beat the odds if you win anything. We have won six x £25 across two bond holdings this calendar year. Both are a bit more than £10k and all the wins have come within the £10k numbers. It makes me wonder if when I reach another £10k I should sell all the small ones and buy a block again.

I have just under £15,000 in the PB  so I was hoping that cos I was over £10k... ah well.

I will look at my funds at the end of the year  - these markets are crazy 

I am glad i did not go on the cruise - it ended up changing its route day 1 (covid) so I could not have gone on it and due to the French stopping Brits apparently they have today had to re-route most the cruise as the Brits cant get off in France!

Very hungover today but managed to work through it.

I am deliberately eating my freezer down so I can get back to one freezer only  for when I go away for xmas, so my food bills are low.. However it turns out my high bill is entirely due to having the boiler on for the heating so..

I am buying all my xmas gifts on my credit card just to track the total cost. I have a monthly gift budget anyway but I always end up spending lots of it for annual birthdays  so Nov and Dec is always throwing money at it. This year I will track what I spen and save extra earlier in the year.

Hope all are keeping safe. I feel very sorry for all the staff and restaurants who suddenly have half empty bars and tables being cancelled.

savingholmes

Yes I feel sorry for the restaurant and pub and holiday traders. Glad you didn't do the cruise. Good luck with clearing out the freezer.

Suffolk_lass

LadyWithAPlan said:

Suffolk_lass said:

My S&S have resembled Tigger this week. This morning the global fund has uncreased by 740, having first lost a good proportion of that over the last two weeks so you are not alone.

Re PB I was reading an article a couple of months ago which basically said if you have less than £10k you beat the odds if you win anything. We have won six x £25 across two bond holdings this calendar year. Both are a bit more than £10k and all the wins have come within the £10k numbers. It makes me wonder if when I reach another £10k I should sell all the small ones and buy a block again.

I have just under £15,000 in the PB  so I was hoping that cos I was over £10k... ah well.

I will look at my funds at the end of the year  - these markets are crazy 

I am glad i did not go on the cruise - it ended up changing its route day 1 (covid) so I could not have gone on it and due to the French stopping Brits apparently they have today had to re-route most the cruise as the Brits cant get off in France!

Very hungover today but managed to work through it.

I am deliberately eating my freezer down so I can get back to one freezer only  for when I go away for xmas, so my food bills are low.. However it turns out my high bill is entirely due to having the boiler on for the heating so..

I am buying all my xmas gifts on my credit card just to track the total cost. I have a monthly gift budget anyway but I always end up spending lots of it for annual birthdays  so Nov and Dec is always throwing money at it. This year I will track what I spen and save extra earlier in the year.

Hope all are keeping safe. I feel very sorry for all the staff and restaurants who suddenly have half empty bars and tables being cancelled.

Yes, me too. We overcame our reticence to mix with anyone before Christmas to have breakfast out yesterday and I made sure I took cash to leave a decent tip. When I worked in a restaurant, the tips paid for our treats at Christmas. I think the minimum pay improved things a bit but there are all sorts of strange practices in restaurants and bars with regards to charging and tax, sharing and what-not.

When I ran the place back in the 1980s we received a tiny amount of money (literally under £10 pay) per session and relied on tips. Then when the owner added 10% to the bill he was pursued for the VAT and told us he would pay us more and our tax and insurance. The adding of service charge meant most people stopped tipping. It's worse now with cash reducing. We used to put all the tips in a big pot and share them across all the front of house staff (as the kitchen staff were paid much better), including the meeter and greeter, bar and desserts preparer

LadyWithAPlan

Quick end of year roundup - HAPPY NEW YEAR ALL

SIPP - £30,421.39 - so met my 30k goal.

House deposit - will come back on this. Didnt get paid in Dec so will wait for that to clear as moved 3k over covering xmas and new  mac laptop. 

I do need to buy a new one for some new work has come in which will cover the cost and new software I need at least - so will be a small dip in deposit before I  get paid for that. Will shop around but it will be £2.5k probably - I did make £700 this month on MB which helps as free money. I buy a new computer every 6 to 9 yrs so.. If I buy cheaper I will regret it.

SandyShores

Happy New Year to you too LadyWithAPlan!